Alternatives to Highnote
Compare Highnote alternatives for your business or organization using the curated list below. SourceForge ranks the best alternatives to Highnote in 2026. Compare features, ratings, user reviews, pricing, and more from Highnote competitors and alternatives in order to make an informed decision for your business.
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Wallester
Wallester
Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control. -
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PowerCARD-Issuer
HPS
PowerCARD-Issuer provides complete services for the issuance and management of all payment types in all formats (credit, debit, prepaid, etc.). PowerCARD-Issuer has been developed to support all kinds of issuers, from small to large and global financial institutions, banks, credit companies, retailers, and private card processing companies. The system has full multi-currency, multi-product, multi-institution, and multi-language capabilities and manages card portfolios across different countries and for different issuers on a single global platform. PowerCARD-Issuer’s rule-based engines allow the modernization of financial institutions’ payment systems to achieve origination from any channel and any format, adding advanced workflow design to improve the collection and use of payment information. The powerCARD-Issuer architecture supports configurability, access, and use of information, which is not readily possible in a more rigid, black-box environment. -
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Solid
Solid
Instantly create bank accounts, offer crypto wallets, send payments, and issue cards to your customers. Solid offers a fully integrated & compliant suite of FinTech services. Integrate in minutes to build never-before-seen experiences. Solid's Banking as a Service (BaaS) enables companies to build and launch deposit products, such as business and consumer checking accounts. It includes the ledger, statements, and everything needed to create delightful banking experiences. Solid's Card Issuance and Management platform is the first of its kind. Issue cards are the modern way, to serve the needs of your customers, with one single API. Credit, debit, and prepaid cards, both in physical and virtual form factor, are all fully managed by Solid. Engage your customers with a light & powerful experience, in your product, with Solid's instant bank /account creation API. Issue branded physical and virtual cards instantly, with the spending controls they need with Solid's /card API.Starting Price: Free -
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Hydrogen
Hydrogen Platform
Embedded Finance Made Simple. Quickly embed financial services in your business using ONE connected no-code platform. Fintech is Hard. We Make it Easy and Embeddable. There are dozens of contracts, approvals, integrations, and workflows needed to build fintech. Luckily, Hydrogen has done all of the hard work for you, saving you 80% of the cost and time! Explore our embedable products: Cards Physical & Virtual Card Issuance. Cards. Issue physical and virtual debit cards with our fully built and configurable embeddable apps. No lockups, minimums, or program setup. Plus, earn revenue on every swipe! Payments ACH, Bank Auth, P2P, Roundups Payments Add ACH, bank auth, P2P, wallets, roundups, and other payments to your business, with our fully built and configurable embeddable apps. Money, Personal & Business, Finance. Add aggregation, accounting, cash flow, and budgeting analytics to your business, with our fully built and configurable embeddable apps. -
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BlueBanc
BlueBanc
BlueBanc offers scalable business banking and card issuance capabilities, empowering fintechs, media agencies, and other businesses to create their own branded financial services via robust APIs. It provides flexible card issuing options, including physical, virtual, prepaid, debit, and credit cards compatible with Apple Pay, Google Pay, and Samsung Pay, backed by features like tokenization, 3-D Secure, dedicated or shared BINs, and real-time funding that automates balance replenishment at the moment of transaction. Clients gain access to over 30 prebuilt BIN configurations to launch programs quickly while benefiting from efficient multi-company management: FDIC-insured checking accounts, team controls, split payments, 24/7/365 book transfers, and the ability to manage multiple users, roles, and accounts, all delivered via a comprehensive Open Banking API that accelerates development and deployment from concept to live. -
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HST has been providing EMV solutions and supporting banks and financial institutions with card issuance throughout the Americas for almost 2 decades. Whether you are a financial or retail institution looking to offer instant card issuance to your customers or you are a bureau looking for a multi-vendor centralized issuance solution, HST has the right solution and the right team to get you started on the right foot. HST offers two different options for EMV instant card issuance. HST offers 2 options for EMV instant card issuance, a cloud-based solution for all budgets and sizes of institutions and a fully customizable, local solution running on your own infrastructure. Central Issuance is a key part of a balanced, card issuance strategy. Ideally, a financial institution would take a dual approach to card issuance; centrally issued cards for large batch issues complemented by instantly issued cards at the branch for new accounts or replacements.Starting Price: Free
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CoreCard
CoreCard Software
CoreCard's platform offers transaction processing and account management software. We bring unparalleled payments industry experience and first class end-to-end software to our clients. CoreCard enables processors, merchants and banks across the global payment industry to create and manage all aspects of their card programs including prepaid, fleet, credit card (private label and branded networks) and accounts receivable. New account creation, card issuance, transaction processing, loyalty programs, AR billing, loans. Merchant account management, transaction processing and settlement. Case management, recovery strategies, collections automation. We recognize the importance of a successful project. Whether you are looking to license your own system and integrate with 3rd parties or you want to issue cards from our processing environment, we can help with all the checkboxes. Our implementation teams are comprised of industry veterans. -
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Enfuce
Enfuce
Enfuce is a cloud-based card issuing and payment processing platform that lets financial institutions, fintechs, retailers, and non-financial businesses launch, run, and scale payment cards and digital payment products globally with flexible, modular capabilities; it supports virtual and physical debit, credit, prepaid, fleet, fuel, and EV charging card solutions with real-time transaction processing, spend controls, compliance, and fraud protection built into the service so partners can deliver seamless and secure customer payment experiences without legacy systems. It provides API-driven integration for embedding card issuing and wallet provisioning into existing apps and services, handling regulatory compliance, security (PCI-DSS, GDPR, PSD2), licensing, and scheme connectivity so partners can focus on product innovation and growth rather than backend complexity. -
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Galileo
Galileo Financial Technologies
We are a proven financial technology platform, an engine of innovation, and a leader in card issuance, payments, and digital banking. Every day, we partner with great thinkers like you to reinvent the way people interact with their money and build a better financial future for all of us. Invent, build, launch and scale your own unique financial services with our proven platform that is secure and supported from the start. Create a custom multi-product solution that includes card issuance, payments, checking, savings, deposits, loans, and futures products, all through industry-leading APIs. Build a personalized financial program that suits your clients' needs. And use our simple tools to optimize your business and drive continuous innovation for profitable growth and maximum impact. -
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Bond
Bond Financial Technologies, Inc.
Bond allows any company to become a fintech. With Bond, you can build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified platform. Automation has never looked so good. Watch as Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live. -
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Fisa Credit Card
Fisa Group
Modular and integrated software that makes credit and debit card business management easier from the perspective of the issuer, cardholders, and businesses. Quickly and easily, customize and automate the management of credit, debt, and Prepaid Cards according to the requirements of your institution. It implements a transactional engine that manages credit card authorizations around the world. Secure your institution with a technological solution, which includes loss prevention software for transactions made with open and closed credit cards. Manage payments for your business with international security and transactional certifications. Agile creation of new products and payment services to analyze your business and income generation. -
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With more than 7,500 installations worldwide and over 15 years of experience, Entrust empowers financial institutions and retailers of all sizes to put ready-to-use cards into the customer’s hands instantly. Instant issuance helps you increase activation rates and card usage while improving customer satisfaction. It also helps reduce costs associated with card pre-printing, inventory management, and mailings. Support instant card issuance and replacement, queued issuance, and low-volume batch card issuance. Issue the card types you want from a choice of blank stocks from a single multi-hopper system. Create, monitor, and report on card setup, issuance and administration based on your requirements. End-to-end encryption capabilities meet PCI PA-DSS security standards protect your data in transit and at rest. Connect your business to valuable opportunities in the fast-rising self-service kiosk market.
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CARD91
CARD91
Enable new-age payment use cases via card issuance and management by empowering businesses with payment decisions and transaction control. Seamless real-time data access with reconciliation keeps stakeholders updated all the time every time without manual intervention. Use our dashboard or yours and integrate our APIs to issue payments and reconcile usage data in a frictionless, secure manner for free. Our next-generation super fast payment rails will help you create card-based programs your business needs on the go. We make money when your happy partners do transactions via card issued by you. With our open API, we have converted the complex payment issuance process to a few lines of code. And if you are still feeling lost, our tech experts are here to help you. We are offering it all for free. We are launching our sandbox in another month. Would love to hear your feedback on that.Starting Price: Free -
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Rain
Rain
Rain is a full‑stack platform that empowers fintechs and crypto‑native businesses to launch and scale stablecoin‑powered card programs globally with a single integration. As a direct Visa Principal Member, Rain issues cards that let users spend digital assets anywhere Visa is accepted, turning every transaction into real‑world revenue. Its modern, API‑driven infrastructure supports multiple markets and lets teams fully customize card design, wallet architecture, and partner integrations. Built‑in features include secure, high‑performance processing, automated DDoS protection, managed firewalls, regular SSD‑backed backups, and compliance with industry standards. Merchants gain flexible administration via cPanel‑style dashboards, robust transaction analytics, and global coverage through peering‑accelerated POPs to ensure low latency. -
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Cards on the Spot (COTS)
Matica Technologies Group
Offer your cardholders the convenience of instantly issuing debit, credit, and ATM cards in your branches. Instantly issuing payment cards has never been so easy. Visa and MasterCard, credit, debit, and ATM cards, whether contact or contactless, are instantly issued and instantly activated in as little as three clicks with Matica’s instant issuance software, Cards on the Spot™. The Cards on The Spot™ software provides a complete, fully integrated browser-based platform that can instantly issue multiple high-quality printed card types. Matica’s Cards On The Spot™ outshines all competitive products. We make it faster, easier, and more accurate than any other solution. Simply deploy, update and maintain browser-based for any card issuance need. The software integrates directly with cores and transaction processing networks. Perpetual-use branch licensing means unlimited users per branch, no cost per card, and no annual license fee. -
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M2P Fintech
M2P Fintech
We handle opening of user/bank accounts, customer onboarding, compliance checks, and regulatory requirements, end-to-end. We guarantee industry standard compliance and a frictionless user experience. Roll out future-ready, customer-relevant banking services with our holistic core banking system. We help businesses provide smooth payment experiences to their end customers. Whatever the payment requirement, our solutions can handle it. We help organizations and banks issue branded physical and virtual cards. We configure requirements and co-create card programs specifically for your needs. We connect finance, technology, and commerce, with our capabilities like collection tech, payouts, plug-ins for merchants, payment gateway, and more. Our solutions are end-to-end, meaning we do all the heavy lifting, enabling you launch cards, programs, any fintech product in no time at all. -
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Torpago
Torpago
Power growth and strengthen customer relationships with our program management solutions. Our turnkey technology platform solution lets banks launch a branded business credit card quickly and without costly software development investments. With our bank admin tool, banks get real-time access to their program data and a no-code solution for managing their credit card program. Launch and manage your credit programs seamlessly with the help of our team of experts, with services ranging from risk and underwriting to marketing and customer support. Our platform can be tailored to your program needs and can cover every stage of the process. Your customers can manage all aspects of their business's finances, including spending, approvals, bill pay, and reimbursements, easily through our white-labeled platform and mobile app. Your customers can effortlessly issue your branded physical or virtual credit cards and instantly add them to digital wallets.Starting Price: $33.33 per month -
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Card@Once
CPI Card Group
CPI’s Card@Once is a secure, affordable solution that makes it easy to instantly issue magnetic stripe, EMV, and contactless debit and credit cards in branches and on demand. It’s a simple way to improve activation, decrease expenses and elevate your cardholder experience. Provide flexibility by replacing lost or stolen cards. Implementation is easy and requires relatively minimal up-front investment. CPI manages the whole process, including set-up, training, and support. Card@Once is easy to operate, there is no IT to manage. All you need is power and an internet connection. Card@Once meets all security requirements for EMV and dual interface cards. Accessing the unit requires a physical key and code, and no financial institution keys are stored in the unit. Ensure security and compliance. Get up and running, keep it simple. Learn what makes Card@Once different from software for purchase models. Serve customers faster with instant issuance. -
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Tietoevry Banking
Tietoevry
Decrease operational costs and faster financial product release with a modernized card platform. As the world of payments is shaken by ever-growing customer expectations and growing regulatory requirements and new market entrants, banks and payment processors are struggling with legacy card systems that are expensive to maintain and lagging behind modernization. Our vast experience in legacy replacement can move your critical functions seamlessly, to efficient, agile solutions, allowing you to better serve customers and bring new products to market quickly. Our cloud-ready platform provides full life cycle management of payment issuing, acquiring, switching, and clearing solutions. Increased process efficiency of agile systems allows you to scale business volume efficiently, saving time and boosting profits. A flexible and highly configurable platform allows you to promptly change to existing operating procedures, integrate with other systems, etc. -
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KAPED
KAPED
KAPED is the only service provider offering everything you need to run your credit card business under one umbrella, use all or only what you need. Prevent erroneous applications from being sent to your underwriters. Offer cashback, crypto, travel rewards, and discounts +more! Card issuance, transaction data, & portfolio monitoring. Automate customer service and collections. The ultimate reporting tool to track and monitor the flow of funds. Approve applications faster by setting your parameters. Use our proprietary profit calculator to view how much your revenue will increase. KAPED takes care of the collections & customer service under your brand. Earn on interchange, cashback, and cardholder fees. See pricing for more info. Give your clients a no-penalty LOC and allow them to carry a balance. Issue cards in the US, UK, Canada, Mexico, & Brazil. KAPED is a financial technology company, not a bank. Use our technology to issue branded credit cards in 5 days or less.Starting Price: $100 -
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Kobble
Kobble
Kobble is an innovative financial technology platform designed to accelerate the deployment of new financial products through AI-powered, modular Banking-as-a-Service (BaaS) solutions. Our platform empowers banks, non-bank financial institutions, fintechs, and retailers to build and scale financial products with agility and ease. By leveraging Kobble’s modular architecture, you can seamlessly integrate: ● Digital Wallets - Apple & Google Pay ● Retail & Corporate Ledger ● Virtual account (BSB/Acc & PayID) ● Payment rails (DE, NPP, PayTo & Acquiring) ● Card issuing (prepaid, debit & bin sponsorship) ● FX / Remittance Services* ● Multi-Currency accounts* ● Rewards & loyalty solutions* ● KYC, liveness, PEP & Sanctions ● Personal financial management & enrichment ● Transaction monitoring (AML, fraud and scam monitoring) ● Open banking* ● White label options* ● AFSL licensing -
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QwickCards
MagTek
QwickCards is a cloud-based, digital card issuance and PIN service brought to you by MagTek. QwickCards provides an easy-to-use browser-based platform to make digital card issuance and PIN selection safe, economical, simple, and fast. We support the increasing need to provide a personalized customer experience by supporting a consumer-selected PIN. Digital card issuance with QwickCards can give you the competitive edge you need to attract and maintain deposit accounts and top-of-wallet consistency. Deliver in-branch PIN and rePIN to consumers, giving them what they want, when they want, so they feel connected. QwickCards is flexible and supports deployments on desktop and tablet PCs. PIN Encrypting Devices (PEDs) are available with USB, Bluetooth LE or 802.11 wireless interfaces. MagTek delivers scalability via its cloud infrastructure and around-the-clock performance monitoring. Software releases and upgrades are free of charge and automatically deploy when available. -
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Marqeta
Marqeta
Our open API platform enables the world's innovators to instantly issue & process cards with more control, flexibility & scale. Marqeta is rewriting the rules for what’s possible with payment cards. With the most advanced infrastructure and tools for building highly configurable payment cards, Marqeta’s open API platform is designed for developers who want a simplified way of managing payment programs so they can create world-class experiences, innovate, and power new modes of commerce. A modern card issuing platform that powers the future of commerce, accelerates your business and helps build new and innovative products. An open API, instantly issued sandbox lets you get started in three clicks and enables you to instantly issue physical, virtual, and tokenized payments. Refined payment and authorization controls to rein in excess spending, protect your margins, and enable exceptional user experiences. -
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Pismo
Pismo
A truly cloud-native API platform to help you respond to market changes at lightning speed, all with the scalability and security you demand. Our all-in-one platform offers a variety of products in a cloud-native environment to help you future-proof your business. Take advantage of our fully featured platform for Visa, Mastercard, and private labels to issue credit, debit, and pre-paid cards. Issue plastic cards, virtual cards, and one-time cards for specific merchants and transactions. Create the best digital experiences and products regardless of whether you are building a new bank or dealing with legacy technology. Our platform offers you the freedom to innovate seamlessly. Build a proprietary digital wallet to compete with the most iconic wallets in the market. Manage both sellers and buyers on any device or platform. Offer innovative loan products with scalability and a quick time to market. Leverage the Pismo platform for booking, disbursement, auto-repayment, etc. -
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Cardless
Cardless
Cardless is an embedded credit-card platform enabling brands to build and operate fully integrated credit experiences using modular APIs, prebuilt components, analytics, and full-service infrastructure. It supports every stage of the credit lifecycle, from application processing and identity checks to eligibility decisioning, virtual card issuance, checkout integration, card management, transaction monitoring, disputes, and payments, while being PCI DSS Level 1 certified and including built-in compliance (KYC, AML, fair lending) support. Developers can mix and match APIs and components to suit their technical roadmap or product flow, embedding credit into moments like checkout, bookings, or loyalty milestones so the experience feels native. Cardless also provides analytics and feedback loops that combine customer behavior and credit program data to optimize offers and engagement. -
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Way4
OpenWay
Ensure that your new card issuing engine is future-proofed. Launch various business models on the same software platform, credit, debit, and prepaid cards, fleet projects, virtual cards and loyalty, wallets and tokenization, corporate and family schemes, and much more. Provide the best possible experience for your cardholders, partners, and internal users by delivering personalized services, exactly when and where they need them. Create new and innovative card products with exceptional time-to-market and the best functional coverage. Reduce manual interventions and decrease administration costs by automating and streamlining processes. Scale quickly in terms of volumes and geographies. Increase the profitability of traditional instruments with smart value-added services. Become the customer’s top card for third-party services within the open banking ecosystem thanks to your data-rich APIs. Rely on APIs and SDK for internal and external integration. -
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Today’s consumers expect to make payments quickly, in a secure and convenient way, across multiple channels, using an assortment of cards, apps, and online accounts. When it comes to the payment experience, they are looking for speed, flexibility, and control. We empower your organization, whatever stage you’ve reached as an Issuer. Whether you’re an established bank needing to modernize to keep pace with demand, or a challenger that requires rich functionality, and elastic scalability to move quickly and ensure competitive advantage through differentiation, we have the right solution to match your needs. Open API and microservices technology enable you to build business functionalities and deliver rich digital user experiences, across any channel, quickly and with minimum effort. Business functionality is delivered faster using scalable and reliable micro-services, flexible workflow configurations, and integration of external services via an open API architecture.
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Stripe Issuing
Stripe
Stripe Issuing allows you to easily create, manage, and scale a commercial card program without any setup fees. Get started in minutes and control every detail of your program, from card design to approving transactions in real time. Create cards that work exactly as you configured them. Make real-time decisions on charges, set spending limits or designate virtual cards for one-time use. Reach a certain transaction volume threshold and get a percentage of the interchange revenue earned from all card purchases. Control expenses and prevent fraud by setting spending limits, blocking merchant categories, or creating advanced combinations of rules. Update your spending controls at any time from your Dashboard or through our API.Starting Price: 3.6% per card charge -
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BankWorld Cards
CR2
BankWorld offers a flexible card production system that enables banks to issue proprietary and globally branded cards such as Visa and Mastercard. By managing the issuing and production of cards in-house, you can considerably increase customer satisfaction as cards can be produced and given to customers right away. Our solution enables your authorized staff to manage an account, create a card, set up the rules and rights, manage limits and issue a ready-to-use card to customers in just a few minutes. The solution supports dynamic multi-lingual and multi-currency capabilities. It also significantly reduces costs and improves operational efficiency, your bank can directly control all aspects of card production including data encryption, magnetic stripe encoding, card embossing, PIN mailing, printing card carriers and interfacing to card management systems. -
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BCSS
Prime Factors
BCSS reduces application development costs, simplifies retail payments security, and helps meet industry & regulatory compliance related to cryptography for applications that issue payment credentials and process electronic payments. BCSS simplifies working with payment HSMs and manages cryptographic keys to facilitate payment card issuance. BCSS also enforces role-based access controls, audit logging, and reporting to help banks and financial services around the world meet PCI compliance. BCSS software eliminates the need for enterprises to develop and maintain custom software code that incorporates the logical security and payment schemes required by payment network brands – saving time and money. BCSS is backed by a dedicated team of highly specialized payment security experts that can provide guidance, troubleshooting, and ongoing support for enterprises planning, implementing, or running custom payment applications.Starting Price: $0.00 -
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Column
Column
Column is a nationally chartered bank engineered specifically for developers and builders to create innovative financial products. By constructing its own core banking system, ledger, and data model, Column eliminates the need for traditional middleware, granting developers direct access to the U.S. banking infrastructure. This approach enables seamless integration with the Federal Reserve, facilitating efficient money movement, account creation, and card program management. Key offerings include ACH origination, wire transfers via FedWire, real-time book transfers, and the ability to establish FDIC-insured bank accounts through a user-friendly API. Additionally, Column supports the development of customized card programs, providing dedicated Bank Identification Numbers (BINs) and compatibility with major networks and issuer processors. It also offers lending products such as loan origination, debt financing, and loan purchase programs to help companies scale their lending operations.Starting Price: $0.50 per transaction -
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Hoox
Hoox
Hoox is a customer activation platform for financial service providers, helping banks and card issuers engage with their customers in order to gain top-of-wallet. Card issuers engage their cardholders with real-time personalized incentives through participating merchants, who in return lower their cart abandonment rates and boost their conversion. Hoox offers a SaaS platform for issuers to target their customers outside of their network, by offering dynamic, personalized, real-time, and measurable incentives that actually work. Hoox offers stores an embedded finance solution that engages their consumers in real-time with externally funded personalized incentives, a free revenue booster, lower cart abandonment rates, reduced card processing fees, one integration, multiple issuer partners, and out-of-the-box ecommerce integrations. Hoox helps card issuers boost usage by offering cardholders a real-time personalized incentive while they shop. -
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Merchanto
Merchanto
Chargeback deflection with the highest efficiency. Say goodbye to chargebacks with our seamless merchant-issuer collaboration. Merchanto offers an easy-to-use, all-in-one solution designed to eliminate chargebacks completely. As an official partner of Visa and MasterCard, Merchanto connects you to a global network, covering over 99% of all Visa and MasterCard issuers with just one simple integration. We enable near-real-time sharing of dispute data and transaction details between financial institutions and merchants. Supported by thousands of issuers worldwide, our platform offers pre-dispute resolution, stopping chargebacks before they even occur. Join Us Today and Safeguard Your Merchant Account Once & Forever.Starting Price: $32 -
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Rapyd
Rapyd
Rapyd does for fintech what the cloud did for IT. By connecting companies to all the ways the world likes to pay, we power frictionless global commerce and create new opportunities for businesses and people. We built the world’s largest local payments network so you can focus on creating great customer experiences and unlocking new markets. Rapyd does for fintech what the cloud did for IT. Our Global Payments Network connects your company to all the ways the world likes to pay and the infrastructure to create your own fintech solutions, like ewallets, cards and financial services. With Rapyd, digital sellers in Latin America can accept cash. Online shoppers in Asia can pay with their favorite ewallet. And businesses can make payouts to companies and individuals anywhere in the world. With 900+ payment methods in 100 countries, you can open new markets, reach new customers, and create new opportunities anywhere. -
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FinLego
FinLego
FinLego is a modular fintech infrastructure platform that lets companies build, launch, and scale full-stack financial products across traditional banking and digital asset use cases in weeks instead of months. It provides a core banking engine to manage multi-currency accounts, transactions, fees, FX, and partner bank connectivity, plus Wallet-as-a-Service to offer branded fiat and crypto wallets with secure onboarding and real-time balances. Its double-entry ledger system ensures auditability and traceability of every transaction, while built-in KYC/AML compliance and fraud controls help meet regulatory requirements. FinLego also supports virtual and physical card issuing, a global payment gateway with routing and settlement, and customizable mobile banking apps for iOS and Android. -
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Manage credit, debit, loyalty, and all other kinds of cards and related processes, including authorization, clearing and settling, and integration, with the card management application from SAP. Accomplish these tasks with the flexibility you need to design the right products for your customers and provide outcome-focused services. Define your own card products and bundles, and bring them to market faster, by owning the issuing process. Stay ahead of the competition by offering innovations such as token services, virtual cards, or wallet solutions with flexible configuration capabilities. Improve the customer experience by motivating your cardholders to increase active card use while attracting partners and co-branding opportunities. Use real-time card information to plan campaigns, marketing, and next-best offers. Grow your market share by building a strong customer base with cross-selling opportunities.
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Custodia
Custodia
Custodia is an advanced spend management and payments infrastructure platform that empowers enterprises, fintechs, issuers, processors, and channel partners to build and operate embedded spend and payment products with real-time control, adaptive intelligence, and global scale. It provides agentic infrastructure driven by a real-time, adaptive cross-processors authorization engine that supports use cases such as corporate card programs, autonomous finance workflows, embedded wallets, loyalty systems, and global employee benefits. Customers can gain instant visibility into team spending across offices and departments and apply dynamic policy controls to monitor and manage budgets and transactions. Custodia’s modular building blocks and deep processor integrations let users design tailored spend management and payment experiences at any scale. It also enables safe, automated B2B payments and procurement via trusted autonomy agents and supports merchant enablement. -
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Alaan
Alaan
Say goodbye to petty cash, expense reports, physical receipts and reimbursements. Instantly issue multi-currency virtual cards to any team member. Use these for e-commerce transactions, SaaS subscriptions, vendor payments or in-store purchases. Set tailored spend controls for each card issued. Adjust spend limits or block cards at the click of a button. Team members can effortlessly forward receipt via mobile. Your finance team gets immediate access to all receipts from the entire team in one place. Simply forward any invoices received to us. We will extract details from the invoice and initiate the payment from your bank to the supplier on the due date. All you need to do is to click ‘Approve’. Get alerts for every transaction and stay updated on all cash outflows. Access out-of-the-box spend analytics to reveal potential cost-saving opportunities. -
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NAKA
NAKA
NAKA presents a next-generation payment ecosystem built around a fully blockchain-based, EMV-compatible payment scheme and card, allowing businesses and individuals to issue and use cards that integrate self-custody wallets, tokenized assets, and seamless fiat conversion at the point of payment. The NAKA Card supports both custodial and non-custodial models, enabling users to hold and transfer assets, spend tokenized holdings such as real estate, precious metals, fine art, or cryptocurrencies, and only convert to fiat at the moment of transaction, helping protect against inflation. The accompanying NAKA Pay app offers a unified interface for card management, asset linkage, top-ups, freezing, and tracking transactions, all without requiring a traditional bank account. For issuers, NAKA enables rapid card issuance and full customization of card features, branding, loyalty integration, and underlying rules with no additional banking licence required.Starting Price: Free -
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EVERYCARD
CLAI PAYMENTS
Manage the life cycle of your cards, facilitating the acceptance, authorization, and reconciliation of your payment methods. Integrating cards into your merchant or banking business is essential to allow your clients to get out of multiple operations. With EVERYCARD® you can do it quickly without depending on multiple providers to operate, process, and manage the relationship with international brands, networks, businesses, or external systems. Quickly implementation of new services, benefits, and payment facilities. The peace of mind of having a platform that guarantees the growth of your business. Manage your cards in a centralized system, streamlining the management and authorization of your cards. Obtain a solution that allows you to obtain totally transparent handling in front of your clients and business allies. Easily integrate different possible possibilities without worrying about technical requirements. -
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NIUM
NIUM
Nium is a catalyst to quickly deploy new financial services for businesses of every size. Gain instant access to a global network of payout, pay in and card-issuing capabilities. Bring new services to your customers, monetize your cash flow, build your own global payment network. Move money around the world to your vendors, customers and employees on the world’s leading global network. Explore our turn-key purpose-built API suite. Built for simplicity and scalability, you can integrate Nium in as little as 4 weeks. Build your global solution using our modular, cloud-based API suite. Integrate new features and geographies with ease as you scale. RESTful methodology, HTTPS authentication & verbs, and JSON across our API suite ensures a simple integration and reliable platform. Read through documentation, explore our APIs in our sandbox environment and begin to prototype & build your solution. -
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Silverlake Symmetri Card Management
Silverlake Symmetri
Silverlake Symmetri’s solutions provide banks with a range of banking software that enables them to address their core banking, customer management, online banking, mobile banking, and card management requirements. Banks around the world are using the suite's componentized business solutions to help drive their customer service, retention, and core operational strategies through improved visibility of customer relationships and increased front-to-back office efficiencies. The flexibility and functional breadth of these solutions help banks to optimize the customer experience, improve operational efficiencies and excel through innovation, ensuring banks drive profitability and maintain compliance. With card payments continuing to grow globally at a rapid pace, payments and transactions have become second nature to consumers. As a result, the global card market is now growing faster than ever, presenting financial institutions with a range of opportunities and challenges. -
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Arcot
Broadcom
Arcot, a division of Broadcom, offers advanced payment security solutions designed to protect digital transactions for issuers, merchants, and payment processors. Central to their offerings is a payment authentication system, which facilitates the verification of shopper identities during e-commerce transactions. This network enables users to reduce fraud, increase approval rates, and maintain compliance with government and card scheme regulations. For merchants, Arcot provides tools to prevent ecommerce fraud and improve digital payment approval rates through a configurable rules engine and real-time data sharing with issuers. Issuers benefit from capabilities such as the Arcot Network Fraud Score and Case Manager, which aid in detecting and preventing e-commerce fraud. Additionally, Arcot offers solutions for digital banking, balancing robust authentication challenges with user convenience. -
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IncumbentFI
IncumbentFI
Our mission is to ensure that the financial institutions currently providing services to this generation remain the primary providers of financial services for future generations. To do so, we have designed a platform that removes all card limitations for traditional bank-issued payment cards. Chances are we have already plugged into your existing financial services processor and provider, so our solutions are integrated and available to your cards today. The fintech switch makes it possible to connect to your card's real-time authorization flow and provide services, features, data, and communications that help enhance a cardholder's experience. Now your cardholders can choose which features and services are right for them and add the services they want to the cards already in their wallet. IncumbentFI's SaaS platform is embedded within your institution's existing debit card processor and core banking provider tech stack, eliminating the need for costly and time-consuming technology. -
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Lithic
Lithic
Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic’s accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you’re creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. Create your first card in minutes and use it right away. -
46
Imprint
Imprint
Imprint offers co-branded financial products, including credit cards, deposit accounts, and installment loans, designed to help partner brands achieve tangible business outcomes. Their proprietary platform, Imprint Core, allows for the configuration of products tailored to a brand's unique needs, goals, and specifications. This modular and flexible technology delivers customer experiences that align with specific brand requirements. Rewards can be customized at the customer and SKU levels to drive desired business outcomes, and tailored marketing partnerships ensure effective communication with customers while consistently reflecting the brand's identity. Imprint's products are built with transparency and fairness in mind, featuring intuitive user experiences that provide clear insights into payments, fees, and rewards. The application process is designed to have no impact on credit scores if declined or if the offer is not accepted. -
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Equals Money
Equals Money
Take control of your business expenses with Equals Money cards to use around the world and monitor spending in real time. With a deep understanding of your industry, dedicated service, and a flexible product offering, the enterprise model fits your unique requirements. Empower your teams to spend around the world, wherever they’re working, while you stay in control of balances and permissions. Set permissions based on team roles, manage balances, and order cards for new staff, all in a matter of clicks. Cards can be used in over 190 countries at 35 million locations, so your team can spend securely wherever they’re needed. Save on the fees that come with using credit cards overseas and wave goodbye to discovering hidden charges when working through expenses. Your team can earn up to 3.5% cashback at major UK retailers that will automatically be credited to your business’s account. Make global business payments to suppliers, partners, staff, and clients.Starting Price: $62.83 per year -
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SmartLoyalty
BPC Group
SmartLoyalty from BPC Banking Technologies is a loyalty and reward program management solution that enables users to rapidly create and manage innovative loyalty programs. The solution is designed to build sophisticated issuer and acquirer programs quickly. The solution allows users to easily create loyalty programs to retain customers and stimulate purchasing behaviour. Points can be calculated based on a wide range of parameters; including customer segment, transaction channel, merchant type, trans- action type and time of day, etc. As the use of mobile devices for payments grows and as e-wallets gain market share, the importance of loyalty programs increases dramatically. Whereas previously card issuers could use the physical design of the plastic card to encourage brand loyalty, with electronic cards this is not possible. -
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RiskNet
The ai Corporation
Is real-time and near real-time self-service rules engine for the detection and prevention of any type of payment fraud and suspicious transactions and is used by card issuers, acquirers, PSP's and merchants around the world. It can be supplied as on-premise licensed software or software as a service-based in the Azure cloud. aiRiskNet® is a modular solution designed to protect the entire payment chain. There are three main configurations available that can be used independently or combined as an enterprise-wide solution. aiRiskNet® Acquirer is designed for merchant risk management and fraud detection for POS, ATM and payment type or channel. aiRiskNet® Issuer is designed for fraud detection for card issuers and financial institutions, covering all card payment types e.g. credit, debit, pre-paid, private label, e-wallet etc., and other payment types such as Cheque, ACH and wire transfer. -
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Mastercard Market Trends
Mastercard
Gather information that plays a fundamental role across all areas of the business. For payment industry players, it is critical to stay on top of the largest trends and access to date market information, or risk getting left behind. Our Market Trends platform provides an in-depth view of payment insights, competitive intelligence and industry trends. Insights range from research on card performance across several markets, thought leadership on trending topics and deep-dive analysis of top fintech players. Market Trends provides a simple, curated view of reliable insights, all in one place. Easy to access reports providing insights for different markets globally on socio-economic, payment and digital KPI data, curated at a local level by Mastercard teams. Filtering and benchmarking features of card products issued by different schemes and issuers to help you understand the current competitive landscape.
