You can’t do tomorrow’s business with yesterday’s tools
The world of payments is changing rapidly: Eight out of ten financial institutions will have outsourced their cloud and platform infrastructure by 2025. Why? Modern customers no longer identify with the traditional banking providers. Instead, they demand easy-to-use digital payment services and will leave for another provider to get payment services that are relevant for them.
For you to stay relevant as a bank, it’s more crucial than ever to create products for new use cases that complement the traditional banking experiences, serving the underserved segments like small businesses, youngsters, immigrants and charities among others. Fintechs and digital banks are already catering to them – and taking market share that should be yours.
Launching payment cards should not be complicated
If you’re struggling to streamline, maintain and upgrade your legacy card processing system, you might not be able to keep up with your fintech competitors. It is slow, expensive and risky to change systems, but replacing your legacy system with another one is not the solution.
There’s only one way you can add value for customers longing for convenient payment services: Modern, digital payment platforms.
If you are struggling with this, you can trust that Enfuce was built by people who have built a bank, know your painpoints and can serve a larger customer base that you have not recognised before.
Our turnkey card issuing platform Enfuce Card as a Service is your one-stop shop to start issuing feature-rich payment cards for underserved segments with full compliance and security – and start growing your future customer base (one card product at a time) without the need for a big card migration project.
Our platform works as a parallel system for your cards, which means you can start with one card product for a niche that holds a lot of potential.
Benefits of Enfuce Card as a Service
Have the latest tech
You’ll get access to the newest digital payment features throughout your journey. We were the first certified processor in cloud and have built industry-shaping features ever since.
Cheaper and easier
Make launching new payment products and features cheaper and easier for small businesses, youngsters, immigrants and more.
No need for a big project
You don’t need to commit to a lengthy contract with us or migrate your cards all at once. You can start growing your customer base one card product at a time.
Top industry experts
You’ll always have top industry experts experienced in building a new bank within your reach to guide you towards your goal – every step of the way, all the way.
Flexible turnkey service
Focus on your core business and user experience while we provide the high-performance processing platform. You can choose to use your own BIN, or get it from us – whatever suits your needs the best.
Be more sustainable
My Carbon Action is more than just a carbon footprint calculator. With country-specific smart tips and insights, you can make lifestyle improvements easier and more engaging for your customers.
Turn your use cases into a competitive advantage.
Kids card supports responsible spending
Our children need a card that will teach them the crucial skill of handling and spending money responsibly, without risking losing cash or the money being spent on the wrong items. This card is only limited to safe shops, like the grocery store and toy stores, for example. This card will only authorise payments that are under a certain sum of money to avoid accidents from happening.
Limited corporate card reduces the risk of user fraud
This card enables employers to limit fraudulent use by only allowing payments that they deem acceptable. Limiting the card use to a certain geographical region or blocking ecommerce purchases are examples of handy controls that can be set. Employees can have individual level controls based on their spending needs.
Get cards to customers in just seconds with instant issuing
With Enfuce Card as a Service and digital wallets, you can instantly issue virtual cards. This makes it possible to get new customers paying with your card from day one. You can also easily replace lost or stolen cards, bringing an added sense of security.
The Ultimate Guide to Payments RFX
By reading this guide, you’ll learn the best practices and concrete steps for building an RFX questionnaire: It’ll help you choose a vendor that understands your needs and grows with your business.Download your copy
Smooth onboarding is not just a tech project but also a collaboration project. There are three cornerstones of how we plan your onboarding.
Get your payment product live smoothly
Having clear documentation and a structured plan is key. Our proven and tested off-the-shelf features make sure that you don’t always have to start from scratch. The tech also needs to be secure, compliant and scalable.
You’ll be assigned a specific Customer Success Manager (CSM). As your one-stop contact for anything you need, the CSM also makes sure your project proceeds according to plan and gets you access to the resources you need, when you need them.
Your onboarding follows a four-phase project structure that helps you build your app towards our APIs in a focused way. You won’t have to wait for large building blocks to fall in place before you can start.
It’s up to you when we start working together. With decades of experience, we’ll together plan the card project step by step and help you grow your customer base one segment at a time
- Workshops with our experts
- Defining your card solution
- Product configuration
- Required enablers
- UI and app design
- Street pilot and initial user feedback
- Launch your card
- Enter new geographical market
- Grow your userbase
- Continuous user analytics
- Unlock new features
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
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
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
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
People say that My Carbon Action has really had an influence on their lifestyles. What we have seen while working with Enfuce is their willingness to think along with us to create the best possible solution for us.Joyce Ohello, Innovation Manager at Rabobank
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
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