Credit Card as a Service

An end-to-end solution for launching a credit card.

Learn more about Enfuce's Card as a Service

Problem

Customers demand flexible payment methods, and offering credit cards answers that expectation. Offering credit cards leads to better customer experience which leads to repeat purchases. However, credit cards are the most complex and regulated payment instrument. They require a lot of know-how, existing financing, licences, and other resources. That’s why credit cards have been out of reach for many fintechs, startups, and scaleups.

Solution

Credit Card as a Service is a turnkey solution giving you everything you need to issue credit cards. From processing to credit licensing, financing, and fraud management, you get the full service in one place.

High level of configurability to delight your customers

Choose from revolving credit and charge cards.
Decide where and when the card can be used and what it can be used for with Spend Control.
Benefit from our comprehensive set of card management features.

Robust product setup and management

Utilise our credit ledger and choose how interest is accrued and how much is collected.

Update cards in real time through APIs down to the smallest detail.

Control every transaction by employing Authorisation Control.

Manage your product and get customer insights through MyEnfuce.

See how it works

Credit Card as a Service: An end-to-end solution for launching a credit card quickly

Launch your first card programme? This guide will help you

Discover your complete guide to successful card issuing. Everything you need to know to design a future-proof card product. The guide includes use cases, ecosystem partners, build vs buy considerations and more.

Download your copy

Making a difference makes us happy.

As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your customers and end-users worldwide can trust and love. Check out what our customers think about working with us!
The collaboration with Enfuce is enabling us to offer more cutting-edge features to our existing and new customers faster. With their card-issuing service, we’ve been able to smoothly and quickly onboard end-users in six markets.

Niccolo Perra, CTO and Co-Founder at Pleo

Read more from Niccolo Perra, CTO and Co-Founder at Pleo
We and Enfuce spoke the same no-nonsense language right from the start. Like us, they don’t beat around the bush. We understand how they work, and they understand how we work. This is a huge asset for us when it comes to technical discussions and development.

Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank

Read more from Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank
With a card issuing solution, we have been able to further strengthen our value proposition for the increasingly demanding market by introducing new functionalities fast.

Jonas Hultin, CEO at Rocker

Read more from Jonas Hultin, CEO at Rocker
Enfuce has enabled us to build smarter and socially conscious banking services. They’re not only a partner in our venture, they are a crucial element in our above-and-beyond value proposition to our customers.

Haukur Skúlason, CEO at indó

Read more from Haukur Skúlason, CEO at indó
Unlike many other processors, Enfuce has been able to filter out all the payments-related jargon and present the solutions in simple terms.

Thomas Jansson, Chief Growth Officer and Co-Founder at Qred

Read more from Thomas Jansson, Chief Growth Officer and Co-Founder at Qred
Enfuce’s service enabled us to meet and exceed all PSD2 requirements, and tap fully into the opportunities of open banking. With Enfuce’s platform and industry-leading expertise, everything was taken care of — from the fine print to fully deployed APIs.

Jari Jokisilta, Head of Baltic Development and Maintenance, OP Corporate Bank, Baltic Banking

Read more from Jari Jokisilta, Head of Baltic Development and Maintenance, OP Corporate Bank, Baltic Banking

Credit Card as a Service

Problem

Solution

High level of configurability to delight your customers

Robust product setup and management

See how it works

Launch your first card programme? This guide will help you

Making a difference makes us happy.

Want to know more about Credit Card as a Service? Contact us!

Read more

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Collaboration between Enfuce and Pleo