Skip to content

Digital banks

Card programme happiness for digital banks.

Test our APIs today

Enfuce’s plug-and-play processing tech, collaborative approach, expertise and ambition enable you to create winning payment products

The banking landscape is changing rapidly. Evolving regulations and advancements in tech have intensified competition. Embedded finance and non-FSIs are taking a growing chunk of payments volumes, and new banks are emerging as both spinoffs of existing legacy banks and as completely new entrants. All while digitalisation and rising expectations have transformed how customers interact with banks.

Digital banks can win market share from incumbents with a customer-oriented approach, new business models, smart investments in a modern technology stack, and the right partners. This is your opportunity to shine.

Whether you’re a greenfield bank or an independent challenger, Enfuce has the processing expertise, modern tech and ambition to enable you to build the card programme you’ve envisioned.

Key benefits of Enfuce cards for digital banking

Flexible and configurable card products

Payment cards are one of the most tangible touchpoints in your bank’s customer journey, making them important to get right. Create an unbeatable card offering with Enfuce’s flexible processing platform.

You can configure products for different use cases with ease. Issue any card type you want, from classic debit cards to more complex credit products with instalments. We make it easy to start and launch new features and products as you grow your portfolio.

Cut your expenses and time-to-market with plug-and-play solutions

We can get your vision live quickly without the overhead and risks of designing, building, and maintaining your own payment systems and processes.

Our sophisticated platform covers payment processing, card and digital wallet lifecycle management, and 3DS processes, not to mention scheme connectivity, card manufacturing, and data warehousing and reporting. You’ll also have comprehensive issuer self-service tools for card base management, so you won’t need to invest in building back office tools.

You can sign up to start testing our APIs today.

Future-proof partner

You need a processing partner that can meet your needs now and in the future. Enfuce’s enterprise-grade, modern tech scales with you as your card and payment volumes grow. Our cloud-based processing has a 99,999% uptime, and our secure and flexible APIs make it easy to integrate Enfuce with the rest of your banking technology stack.

Not just tech. We also have the straight-talking processing expertise to help you plan your next moves, whether you’re considering expanding your business into new markets or adding new features or products to your card portfolio.

Peace of mind

In a rapidly changing and highly regulated market, you need partners who know the work and dedication involved in meeting regulatory requirements. At Enfuce, security and compliance are at the core of what we do. Our experts handle payments-related compliance (PCI-DSS, 3DS, PSD2, and the list goes on), so you don’t need to worry about it.

We’re award-winning in our fraud management and monitoring. We monitor transactions round-the-clock to make sure that your customers are safe.

Digital banking

Cardholder features

Instant issuing of debit, credit or prepaid cards

Give your customers cards as soon as they sign up, so they can start making purchases from day one. We support instant issuing for all card types, enabling smooth and fully digital onboarding processes.

In cases where a card has been compromised, lost, damaged, or stolen and needs to be replaced, you can issue a new physical card that can be used instantly.

Physical, virtual and tokenised cards

Whatever the use case, Enfuce has you covered. Win share of wallet with physical or virtual cards with all the features that today’s customers expect. Tokenise your cards, so that they’re always on-hand as a payment method. Enfuce is a forerunner in digital wallet implementations with both Apple Pay and Google Pay.

Read more about Enfuce’s Digital Wallets solution >

Card management features in app

Enfuce’s modern and flexible APIs enable cardholders to securely manage many aspects of their card via their desktop or mobile application. This includes view and set PIN, view PAN, card freezing, geo-blocking, cancelling and reordering, meaning cardholders can self-serve on-the-go and won’t have to turn to your customer service.

Platform features

Advanced card controls

Enfuce’s advanced spend controls limit your exposure to risk and fraud, without slowing down business. Control when, where and how payment cards are used on a granular level. Set limits on card usage based on, for example, spend amounts and patterns, counters, or merchant category codes with Enfuce Spend Control.

If you want to further enrich spend controls, you can create rules for approving and declining payments in real time with Authorisation Control.

Read more about Enfuce’s Authorisation Control >

Transaction data

We make tracking your card programme performance a piece of cake. You can see your account, card, and transaction operations in real-time through the MyEnfuce portal and our APIs. These allow you to monitor your card programme, and share reports with important stakeholders.

In addition, we send you daily data files that include all your card programme’s activities so that you can build a database and forecasts of your own.

Multi-country & multi-currency support

Expanding to new country markets with your card portfolio is made easy with Enfuce’s multi-country feature. We support multiple currencies right out of the box and we’re experienced in working across markets.

Read more about Enfuce’s multi-country offering >

Platform feature

Service features

Collaborative partnerships supported by a modular platform

We’re big believers in collaboration, as we’ve seen firsthand how innovative payment products are created when best-of-breed partners come together to build something new. We work with leading core banking partners as well as embossing houses and KYC/KYB providers, so you can take a modular approach to building a winning tech stack.

Fraud prevention and dispute management

We’re there for you and your cardholders. Enfuce’s rules-based fraud monitoring engine runs 24/7 and is updated by our team of experts whenever needed (often several times a day). In addition to fraud monitoring, we offer a fully managed fraud service, portfolio analysis, fraud reporting and highly-skilled second-line support to handle disputes in a timely manner.

“Enfuce is there 24 hours a day, every day of the year, making sure that all payments go through. That’s a tough job – and it’s not our job. That’s why we sometimes make the choice to rely on partners.”

Jean-Daniel Guyot, Co-Founder and Chairman of the Management Board at Memo Bank

Insights from Memo Bank: How to drive digital revolution in B2B payments for SMEs

Digital Banking Case Studies


Where can I test it out?

Our customer portal MyEnfuce has a sandbox where you can read about and test out our APIs.

Is Enfuce integrated with core banking providers?

Yes, we’re big believers in collaboration and know that in today’s financial technology environment, creating great payment services is team sport. We work together with companies like Mambu, Skaleet and SaaScada.

What does Enfuce card programme pricing look like?

We have one of the most transparent pricing models on the market, with one monthly fee per card (not per transaction). The model is designed to work with your business as you scale your volumes.

Try out our card builder tool.

Contact us