End-to-end issuer solutions—endlessly configurable
Our cloud-native platform delivers experiences beyond your customers’ expectations. From origination to processing and risk management—whatever your payment needs, our API-driven platform delivers.
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Choose one. Choose all.
Our cloud-native solution is comprised of microservices tailored to your changing needs. With configurable technology, you have control over how it works for your business.
Digital onboarding
Easy applications to instant approvals to immediate activations.
- Configure our automated decision engine to your risk policies.
- Create accounts and cards more easily than ever.
- Instantly provision virtual cards to digital wallets like Apple Pay, Google Pay, and Samsung Pay.
- Customers can start spending straight away.
Activations and rewards
Encourage activation with targeted offers and rewards.
- Manage accounts in real time with open, flexible APIs.
- Laser-target your offers with data-driven analytics and machine learning.
- Tailor the experience to each customer’s needs, give the offers they care about most.
- Strengthen brand affinity and loyalty.
- Promote card usage--offer balance transfers, special rates and more.
Authentication
Maximize approval rates, by combining real-time customer interaction and transaction data with machine learning and predictive modeling.
- Pinpoint identity theft and work to reduce takeover fraud.
- Block suspicious activity and stop synthetic identity fraud in its tracks.
- Our authentication engine meets PSD2 Strong Customer Authentication (SCA) requirements.
Loyalty
Give your customers another reason to pick your card first, with incentives and benefits tailored to their lives.
- Turn browsing into buying: tailor our flexible loyalty program to your customers.
- Understand your customers’ preferences and buying habits in detail.
- Get real-time insights, using artificial intelligence and machine learning.
Payment processing
Credit and debit processing—sorted. From the simplest to the most complex.
- Stay compliant with evolving regulatory frameworks across 80+ countries.
- Connect everything: authorization, real-time posting, settlement.
- Customize the experience to individual accounts.
- Benefit from our expertise—processing over 24 billion transactions a year.
Managing risk and fraud
Detect and block fraud in real time. Develop and optimize strategies. Write and edit rules with our configurable tools.
- Award-winning, end-to-end fraud scoring. We combine machine learning with adaptive behavioral risk models.
- Account decisioning
- Authentication
- Account acquisition
- Adapt your risk policies in real time.
- Respond to local and worldwide fraud trends, using structured and unstructured data.
Data and portfolio analytics
Get accurate insights and predictions on cardholder behavior and portfolio performance.
- Use real-time data and predictive analytics to optimize your portfolio.
- Meet regulatory requirements, and respond to fast-moving trends.
- Use our streaming APIs to send cardholders instant notifications about account changes, enriching their experience.
Service and CRM
Our CRM system delivers unbeatable call center, on-site, or back-office support. No more siloed solutions.
- Use our API or prebuilt UI—simply embed or configure the platform around your needs.
- A 360º view of your customer journeys gives you control.
- Identify and investigate disputes and fraudulent transactions, within regulatory policies. Automatic recovery for confirmed fraud cases.
- End-to-end collections servicing, with case management, shared policies, and workflows.
Realize the full power of payments
Where can you go with an expert partner at your side? From strategic planning to technical support—our team will get you to your goals.
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Power your growth. Cloud native. API first. Configure new, automated solutions that future-proof your business.
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Deliver more for your customers—and attract new ones—by adding our microservices to your current platform.
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Out-of-the-box solutions get greenfield, end-to-end digital card programs up and running—fast.
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Deliver branded programs that drive sales and build loyalty—built around you and your customers.
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Full stack commercial card offering that supports your customers’ business structures–however complex.
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Expert support across the whole benefit administration cycle–card processing to servicing and management.
Whatever you need
—we deliver
