Credit Card as a Service

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

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.

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!
“When you choose a provider, make sure that you choose one that can support you for the long term. One that has high up-time, a tech staff and foundation that’s really solid. Modularity is also important – you need to know that your partner can add on new things if you need them in the future, because you don’t want to go through either migration or re-carding again – this is a process you want to do once in your life, not twice.”

Thorbjørn Fink, COO at Pleo

Read more from Thorbjørn Fink, COO 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 Chairman of the Management Board at Memo Bank

Read more from Jean-Daniel Guyot, Co-founder and Chairman of the Management Board at Memo Bank
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
We have been just extremely happy about the level of commitment, enthusiasm, and craft Enfuce put in motion in order to help us deliver our card programs. This collaboration is instrumental in our ability to move fast across multiple geographies with an iterative approach to innovate. I guess it’s really about this great feeling you get with outstanding partner teams: they seem to be fully part of the company.

Quentin Vigneau, Product Director Payments at Swile

Read more from Quentin Vigneau, Product Director Payments at Swile
SEB Embedded was looking for a provider to help us get new products to market quickly and efficiently, including the extension of Card as a Service within BaaS. Our must-haves for any potential partner included speed and responsiveness, cost efficiency, flexibility, proactivity and scalability. The team at Enfuce has demonstrated impressive drive and commitment to support us on our journey. Adding to that, a deep industry knowledge and a modern technology stack, we are confident that Enfuce will be a strong long-term partner in our quest to become the first choice for Banking as a Service in Europe.

Christoffer Malmer, CFO, SEB

Read more from Christoffer Malmer, CFO, SEB
Partnering with Enfuce allows us to leverage their advanced technology and expertise to enhance our payment solutions. This collaboration is a significant step in our commitment to providing secure, efficient and reliable payment services to the UK public sector, ultimately benefiting the communities we serve.

Michelle Pacey, Managing Director, allpay

Read more from Michelle Pacey, Managing Director, allpay

Credit Card as a Service

Problem

Solution

High level of configurability to delight your customers

Robust product setup and management

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