Jordanian fintech infrastructure provider, GatetoPay has joined the Mastercard Product Express platform, a move expected to simplify how fintech startups and financial technology companies launch payment products in Jordan while strengthening the country’s growing digital finance ecosystem.
The partnership positions GatetoPay as a recognised fintech enabler within Mastercard’s global network, allowing startups and emerging financial services companies to access critical payment infrastructure more quickly and efficiently.
The development comes as fintech activity continues to accelerate across the Middle East and North Africa (MENA), with regulators, banks and payment providers increasingly working together to reduce barriers that have traditionally slowed the launch of digital financial products.
Through its inclusion on Mastercard Product Express, GatetoPay will now be available to fintech companies seeking Bank Identification Number (BIN) sponsorship or Card-as-a-Service (CaaS) capabilities, enabling them to bring payment products to market faster while meeting regulatory and compliance requirements.
What you need to know
Launching payment products often requires fintechs to navigate complex relationships with banks, card networks, processors and compliance providers before reaching customers.
Mastercard created Product Express as part of its broader Engage programme to address these challenges by connecting fintech firms with pre-qualified partners capable of supporting product development and deployment.
Under the arrangement, fintechs can select GatetoPay directly through Mastercard’s Product Express platform to access card issuing capabilities, payment infrastructure and associated services required to launch digital payment products.
The approach is designed to reduce implementation timelines and lower operational complexity, allowing fintech companies to focus on customer acquisition and product innovation rather than infrastructure challenges.
Industry analysts have increasingly identified infrastructure accessibility as one of the key factors influencing fintech growth across emerging markets, where regulatory requirements and technical integration processes can significantly extend time-to-market.
Mastercard backs Jordan’s fintech ambitions
The partnership also reflects Mastercard’s broader strategy to support fintech development across the region by providing innovators with easier access to payment infrastructure and global expertise.
“At Mastercard, we use the expertise of our global network to help fintech companies take their business to new heights. The launch of Product Express with GatetoPay in Jordan marks a significant step forward for the Kingdom’s fintech ecosystem. This initiative reflects our commitment to supporting the region’s fintech growth and empowering innovators to quickly bring competitive, scalable solutions to market,” said Adam Jones, Division President, West Arabia, Mastercard.
Jordan has emerged as one of the Middle East’s increasingly active fintech markets, supported by regulatory reforms, growing digital adoption and efforts to expand financial inclusion.
The country’s central bank has introduced initiatives aimed at encouraging innovation while maintaining oversight of the rapidly evolving payments sector.
Expanding access to Card-as-a-Service
For GatetoPay, the partnership represents an opportunity to strengthen its position as a provider of embedded financial infrastructure and payment services.
The company plans to leverage Product Express to expand its Card-as-a-Service and Platform-as-a-Service offerings, helping fintech firms access end-to-end payment solutions without building complex infrastructure from scratch.
“To collaborate on Product Express in Jordan is a proud milestone for GatetoPay. We truly appreciate Mastercard’s support throughout the onboarding process. This collaboration allows us to equip fintechs and startups with seamless, compliant, and scalable CaaS solutions as they navigate their journeys within Jordan’s thriving payments ecosystem,” said Rasha Asfour, General Manager, GatetoPay.
Card-as-a-Service models have gained traction globally as fintech companies seek faster and more cost-effective ways to launch debit cards, prepaid cards and digital payment products without obtaining their own issuing licences or building expensive processing systems.
A growing market for fintech infrastructure
The partnership highlights a broader shift within the fintech sector, where infrastructure providers are becoming increasingly important to the industry’s growth.
Rather than building every component independently, many fintech startups now rely on specialised providers for card issuance, payment processing, compliance management and banking integrations.
This infrastructure-led model has helped reduce development costs while enabling faster innovation cycles.
By joining Mastercard Product Express, GatetoPay gains greater visibility among fintech companies seeking launch partners while positioning itself to support future expansion beyond Jordan.
The company said it intends to extend its services regionally over time, creating opportunities to support fintech growth across neighbouring markets.
Talking Points
It is encouraging to see GatetoPay joining Mastercard’s Product Express platform, as access to payment infrastructure remains one of the biggest hurdles facing fintech startups across emerging markets.
By making it easier for fintechs to access BIN sponsorship and Card-as-a-Service capabilities, the partnership removes some of the operational and regulatory complexity that often delays product launches.
At Techparley, we see infrastructure partnerships like this as a critical part of fintech ecosystem development. Innovation does not happen only through customer-facing applications; it also depends on the underlying systems that allow startups to build, test and scale products efficiently.
The collaboration could help reduce time-to-market for fintech companies in Jordan, enabling founders to focus more on solving customer problems rather than navigating technical integrations and compliance requirements.
However, infrastructure alone does not guarantee success. Fintech adoption will still depend on how effectively startups address local customer needs, regulatory requirements, financial literacy gaps and trust concerns.
There is also an opportunity for GatetoPay to expand beyond card issuance and payment enablement into broader embedded finance services that support the next generation of digital financial products.
As Jordan continues to strengthen its position as a regional fintech hub, partnerships between global payment networks and local infrastructure providers could play a significant role in accelerating innovation, financial inclusion and digital economic growth across the region.
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