Innovative Credit Solutions to delight your customers

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 a smooth and fully digital onboarding process.

Choose from revolving credit and charge cards, and benefit from a comprehensive set of management features. Whether you have big ambitions and need full credit lifecycle support, or want to test the water we can get you started quickly and validate your business case with smaller card batches through MyCard.

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.

Credit cards are the most complex and regulated payment instrument. They require a lot of know-how, existing financing, licences, and other resources to be up and running. Leave it to the experts!

Enfuce can provide you with an integrated credit line so you can avoid the hoop jumping and get straight to building the credit product for customers.

*Currently only available in Nordics

Create innovative Buy-Now-Pay-Later (BNPL) Instalment card programmes with Enfuce.

Instalments are a great way for you to enable steady cash management for cardholders, both for businesses and individual persons. This feature enables a wider, more flexible, offering for issuers as the cardholder may choose to repay the credit card invoice or utilise the instalment feature instead.

We provide Instalments as an add-on feature for the credit product. With the credit card instalments, you already have the revolving credit limit in use, so you know that you can do the purchase. With instalments customers can convert a card purchase and divide the balance into smaller equal payments over a certain period of time giving your customers the opportunity to manage their spending and borrowing flexibly.

Need a credit ledger to keep record of accounts, balances, interest calculations, payment priorities, essentially any activities related to the credit you offer? With Enfuce’s flexible ledger we have layers of sophistication that allow you to: apply logic to how payments are allocated to different balance items; optionality on how interest is accrued; segregation of balances; and both minimum-to-pay and interest calculations – a truly flexible solution enabling you to offer different credit products to a customer’s whilst keeping track of everything under one account.

All of the credit ledger data points are available via Enfuce’s API and we deliver all the data you need e.g., for invoice data generation and other processes.
Configure payment priorities, interest calculation models and minimum to pay options just the way you like to match your customers’ needs.

If revolving credit is part of your customer proposition, then would you like to simplify and reduce the cost of your processing? Easy – migrate your A2A lending portfolio to the Enfuce system. By utilising the Enfuce credit ledger you can manage everything in one place, e.g., interest accrual, posting fees, invoicing, and keeping track of balances. You can even combine your credit ledger with BNPL Instalments – issue the loan and make a payment plan for the customer.

Future proofing your business in the changing lending landscape is possible when you can combine different lending products all under one flexible ledger.

Instantly available credit cards. Enfuce supports instant issuing for both physical and virtual cards. As a result, cardholders can add their card to digital wallets like Apple Pay or Google Pay and start making purchases as soon as they are given a card. Your customers will experience a smooth and secure onboarding authentication and we also support multiple cards per account if needed.

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.

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.

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, set, and change 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.

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. Issuers also have the ability to notify the cardholder of the card usage, adding a layer of protection.

Expanding to new country markets, or already have a multi-country and currency footprint, whichever your card portfolio life 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.

Co-create a roadmap that helps you stay competitive. Our experts are at your service. Solution Consultants help you define the card solution you’re looking for and Project Management ensures your implementation project and card launch goes according to plan.

Once your cards are live, you’ll have a committed Customer Success Manager as your point of contact for any issues or questions, keeping you informed of updates to Enfuce’s platform. We support you as you grow and manage your card programme.

Compliance and security are fundamentals to everything we do – we invest heavily in them to ensure that your card programme remains compliant now and in the future.

Our compliance experts follow the evolving regulations, and we invest in PCI-DSS certifications, for example, so you don’t need to. This way you avoid the need to maintain a large in-house compliance organisation – we enable you to run your card programme in a lean manner.

We’re big believers in collaboration, as we’ve seen firsthand how innovative card programmes 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.

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.