Processing Only

Bring your own sponsor bank and manage compliance in-house, leveraging our purpose-built issuer processor to seamlessly issue any kind of card.

Customized Authorization Decisioning

Apply custom authorization logic to accept or decline transactions in real-time, then modify and improve your logic on-the-go; layer on any of our readily available spend controls that fit your use case.

Highly Reliable & Network Direct

Access Visa and Mastercard's latest technology and rich data streams via our direct connections which offer better reliability, flexibility, and fewer third party dependencies.

Complete Ledger Flexibility

Pair our issuer processing platform with your homegrown ledger, a third-party ledger, or Lithic’s robust ledgering solution.

Reliable Settlement Reporting

Access settlement and interchange details for all transactions via the API. Easily create cash reconciliation and other reports for your bank, operations and finance teams.

Read Our Expert Guides

Fintech Guide to Bank Identification Numbers (BINs)

When you’re building a card program, one of the first major sets of decisions you’ll make is around Bank Identification Number (BIN) sponsorship.

Fintech Guide to Bank Partners and Sponsors

Bank partnerships are a critical part of most US fintech offerings. In this guide, we'll help you navigate the process of selecting a sponsor bank partner for your fintech.

What is Interchange? How Fintechs Earn Interchange Revenue from Credit and Debit Cards

Interchange is a major revenue driver for many fintechs. Companies that offer card products are growing revenue rapidly and securing massive valuations, such as Brex ($12.3B valuation) and Ramp ($8.1B valuation). Much of that revenue growth is due to interchange.

Want a payments platform that helps you as you grow?

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Explore Sandbox

Launch a Next-Gen Card Program on our Developer-First Issuer Processing Platform