Do I need to be a payment processor or payment facilitator if I’m offering a credit card to a bank that is a unique financial product?

My scenario is as followed:

– I’ve built a unique financial product that I want to offer to banks. This financial product would be tied to a credit card that I want to offer to banks. These banks extend loans to their clients, but I would offer the credit card product that would use transact the funds from the loan. What exact type of solution do I need to develop on my end?