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Validating Ideas with Fintech Actuator

Fintech Actuator is the go-to destination for those wanting to validate a financial service.


The program provides a Mastercard prepaid debit card on a live payments platform to help validate an idea affordably!

Whether you are a start-up or an established business, our card program and team of payment, investment, industry bodies, banks, payment providers and business experts can help.



Change Financial

 Supporting the Fintech Actuator program.

Fintech Actuator is focused on supporting innovation and creating the next generation of financial products.


We are dedicated to supporting innovative solutions and working with industry leaders.


Fintech Actuator acts as a program manager and provides an 'in a box' prepaid card payment platform
'Incubator' for validating ideas. 

The Incubator is for innovators to test and validate their ideas, and then create solutions that are ready for market. More than 40% of start-ups fail because their offer does not suit the market needs.


Our team of experts are card payment specialists and use their knowledge and experience to support you in turning ideas into tangible products.

A key outcome and benefit of the Incubator is that when you have validated and tested your idea in the market, you are ready to graduate to a full program with Change and Mastercard.

This is very important as you do not need to start over again to launch!


So, if you’re looking to innovate and create the next big thing in finance, the Fintech Actuator Incubator is the place to start. Contact us.

Call 1300 995 289 or email


What We Offer


Included in the Incubator is: 

  • Mastercard Prepaid Debit Cards

  • Processing

  • Card Management System


  • AFSL  /  Corporate Authorised Representative (CAR)

  • Fraud Management

  • AML / CTF Services

  • Card Production and Distribution

  • Professional Services.

The Incubator program has the flexibility to support Simple, Advanced and Complex Incubator solutions for up to 9 months of testing, allowing the appropriate time for validation.


It is expected that number of cards issued for your validation will be less than 250.

Fintech Innovation


We support the validation of ideas with our industry-supported environment.

Scaling up

Advisory Service

Hands-on support and mentorship by financial industry experts is available.

Enabling Fintech Ideas

Technology Leaders

With exclusive access to industry technology suppliers and experts, the Fintech Actuator Incubator will help to strengthen your business strategy as you advance closer to the market by testing your idea live

Enabling Fintech Innovation


Develop an understanding of the market by testing your idea live.

Built for Fintech Innovators, by Payment Specialists.

The Incubator is for Australian Fintechs to validate an idea, live. 


The program will simultaneously accelerate time to market, solution development, build team capability and open the doors to investment. 

Card Platform

MVP testing with live system.

Reduce time to market 


Enabling fintech innovation with Mastercard

Innovation – then, now, always

For more than 50 years, Mastercard has pioneered technology to make payments simpler, smarter and safer.


Enabling fintech innovation with Change Financial

Simplifying payment experiences worldwide

Change Financial is redefining payments and card issuing. Our innovative payment solutions have customisation, client experience and service at their core

Frankieone.   AFSL House    IDEMIA    Fintech Australia   BASIQ           

of an Incubator 

Ultimately, you want your idea to be successful. Your idea may relate to;

  • Adding a prepaid card to a non-bank lending offer

  • Rewards and loyalty 

  • Employee benefits program

The key advantage of an Incubator is that it not only validates an idea, it provides a live application/product that people can see, touch and use.

Furthermore, if investors buy-in, the solution can launch quickly without having to wait months...

The biggest benefit of developing an Incubator is that it allows you to test your business concepts.
By offering the core set of features rather than a full-blown, feature-heavy product, you can verify that your product concept resonates with your target audience.

Investing in an incubator program is all about testing; seeing what works and what doesn’t.


The incubator is more about trying to achieve an understanding of the market demand than it is about trying to sell or acquire customers.

With so many considerations to keep in mind, it’s possible to believe one strategy will work, and be wrong.
The best thing to do is test your assumptions with an Incubator.


Our goal is to make testing your idea affordable. Funding and investing in a full card program can be very challenging and stressful. 


The incubator program takes a multi-disciplinary approach with many different technologies and experts involved. We have an 'out of the box' card solution available to use for periods from 6 - 9 months. 


Ideal for startups or small businesses looking for a simple idea.


Suitable for businesses requiring a more comprehensive idea.


Tailored for large-scale projects that require complex solutions.

There is a setup and monthly support fee for each idea.  Pricing will be prepared on application.

In the News

Doing Good Rewards selected as the first participant in the joint Mastercard, Change Financial and Fintech Actuator incubator program.


Dec 2023 Brisbane’s global fintech, Change Financial, unveiled Doing Good Rewards as the debut participant in their ambitious Prepaid Incubator program.

Doing Good Rewards is the world’s first loyalty program to automatically combine shopping discounts and charity giving in the same transaction. Their fresh approach has drawn attention for its powerful social impact and novel application of Mastercard prepaid cards, contributing to merchant onboarding and enhancing business visibility in the Australian market.

“Being chosen as the first participant in this remarkable program marks a pivotal moment for Doing Good Rewards. It validates our innovative approach in blending commerce with charity, and we are thrilled to work alongside esteemed partners like Change Financial, Fintech Actuator, and Mastercard,” said Brad Langdon, Chief Executive Officer of Doing Good Rewards.

“Brad and the team put forward a compelling value proposition and we’re excited that our first incubator participant has such positive social impact goals,” added Tim Boucaut, Managing Director, Fintech Actuator.

Full story 

Leaf Pattern Design

Get in Touch

1300 995 289

Thank you for your interest in the Fintech Actuator Incubator.

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