CREDIT PROGRAM

Credit Card
Programs

Launch full credit card programs with integrated underwriting, configurable credit limits, and revolving balance management. Built for fintechs, banks, and brands ready to offer credit at scale.

USE CASES

Credit programs for
every market

Whether you're building consumer rewards cards, corporate expense solutions, or credit builder products, our platform supports every use case.

Consumer Credit

Launch rewards cards, cashback programs, and store-branded credit cards that drive customer loyalty and spending.

Rewards cards
Cashback programs
Store cards

Business Credit

Empower companies with corporate cards, expense management tools, and working capital solutions built for growth.

Corporate cards
Expense management
Working capital

Secured Credit

Help underserved consumers build credit history with secured card programs that graduate to unsecured over time.

Credit builder programs
Secured cards
Graduated limits
PLATFORM CAPABILITIES

Full-stack credit
infrastructure

Everything you need to run a credit card program, from origination through collections, in a single API.

Credit Underwriting Support

Integrated decisioning tools with bureau pulls, risk scoring, and automated approval workflows for fast, compliant origination.

Revolving Balances

Full revolving credit infrastructure with configurable credit limits, minimum payments, and automatic balance carry-forward.

Statement Generation

Automated monthly statement generation with itemized transactions, balance summaries, minimum payment calculations, and due dates.

Rewards Engine

Flexible rewards infrastructure supporting points, cashback, and miles. Configure earn rates by MCC, merchant, or spend category.

Interest Calculation

Configurable APR management with support for introductory rates, variable rates, penalty pricing, and grace period calculations.

Collections Management

Automated delinquency tracking with configurable collection workflows, payment plan support, and charge-off management.

COMPLIANCE

Built-in compliance for
credit programs

Navigating credit regulations is complex. Our platform embeds compliance guardrails at every step, from application through account servicing, so you can launch with confidence.

Truth in Lending Act (TILA) disclosures
Fair Credit Reporting (FCRA) compliance
Equal Credit Opportunity Act (ECOA)
State-specific lending regulations

Ready to launch your
credit program?

Get started with our sandbox environment and issue your first credit card in minutes. Full underwriting support included.