Yet, that's what Union54 intends to accomplish by creating its card scheme. Card schemes are payment networks linked to payment cards, such as debit or credit cards. According to Wiki, any bank or eligible fintech can become a member. The most popular card schemes globally are Union Pay, Visa and Mastercard. In the U.S., there are other schemes such as Amex, Discover and American Express. But in Africa, Visa and Mastercard dominate the market share; for example, in South Africa, the distribution of cardholders with Visa is 51% compared to Mastercard's 48%.