Everyone deserves a seamless payment experience
Nonprofits and governmental organisations need to distribute aid in a way that’s reliable and compliant, reduces the administrative workload and ensures that money is used for the intended purpose. Giving cash is not efficient, it’s difficult to track and risks the funds going into the wrong hands.
Not-for-profit organisations need to focus on helping those in need rather than using limited resources to understand payments and navigate compliance. This can be a challenging issue to tackle since payments are not their expertise.
Thankfully, the right partnerships allow you to focus on your mission. Enfuce offers turnkey card programs where we combat fraud and handle disputes, everything you need for local and country specific regulations and compliance, while you focus on the good stuff – delivering globally accepted instant prepaid cards with built-in spend controls to those in need.
The advantages of Enfuce nonprofit and government cards
- Serve people who are not eligible for traditional banking.
- Give your customers dignity & anonymity by using universal payment cards instead of complex aid vouchers.
Customisable to any customer group
- Set custom features and advanced spend controls to serve anyone, with any need. For example, you can create a card that only works in pharmacies, a card for purchasing only furniture, etc. Sky’s the limit.
Smooth operations, cost optimisation, and maximum control
- Cards can be given instantly without needing to go through a lengthy application process.
- Cards can be delivered directly to your specific offices or locations, making sure your cards are in the right place when needed. This eliminates the hassle of shipping cards back and forth internally, saving time and resources.
- Advanced spend controls minimise fraud.
- Enfuce provides both a portal for your customers to manage their funds and activate their cards and a portal for your employees to manage your cardbase and assist customers as needed. This will help speed up your go-live and save on costs since you don’t need to develop these UIs yourself.
Your cards, our complete service
- The Enfuce payment solution is turnkey. We have a modular platform that offers everything from virtual and physical cards to payment processing, dispute management and customer support. All you need to decide is for whom, how and when you’d like to start issuing cards.
Access to funds from day one
Give tokenised cards to your cardholders in real-time, so they can access the funds they need immediately. 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.
Digital-first payment experience
Let’s face it. People expect a digital-first experience when it comes to payments.
It makes life smoother, reduces friction and takes steps off otherwise long and arduous onboarding processes. The Enfuce cardholder portal allows your customers to activate their cards, check their balance, change their PIN code, etc
Payment control with advanced spend controls
Regulate control over spend and user fraud by setting limits to where, how much, and how the money on your payment cards is spent. Implementing detailed limits will allow you to create very detailed use cases for different needs and customer groups. Enfuce’s advanced spend controls are developer-friendly and easy to set up on card, customer and product level.
World-class compliance keeps your business safe
We invest heavily in compliance and security to ensure that your card programme remains compliant now and in the future. We hold the needed licenses in-house because all licences are not equal and we only settle for the best. Our EMI licence is granted by the credible and reputable Finnish Financial Supervisory Authority (FIN-FSA) as our regulator, with high compliance standards. We don’t operate through 3rd parties in EEA countries to ensure that you are not exposed to unnecessary risks.
Our experts follow the evolving regulations and we invest in training and certifications, so you don’t need to. This means you can focus on growing your core business whilst we take care of compliance, reporting and APIs for you. Enfuce will handle PCI DSS, GDPR, PSD2 (including open banking, third-party provider (TPP) validation, and consent management), and card scheme compliance for you.
Cards that are always live with 99,999% uptime
Your customers deserve cards that work. All the time. Enfuce’s platform has an industry-leading uptime of 99,999% which means you won’t need to worry about the cards working as they should.
A ready-to-access customer portal
Get real-time access to your customers’ data with a platform that’s intuitive to use and supports your operations, quickly. The portal allows your employees to easily manage your card base and perform actions like closing accounts, reissuing cards, and resetting PIN attempts, for instance.
You can also set different user levels for your employees to ensure the information they see is relevant to their roles and keep your sensitive data safe.
24/7 Fraud monitoring & management
Fraud monitoring is both an art and a science. It’s about keeping up with the intricacies of ever-evolving fraud trends and building systems to detect fraud attempts and minimise losses. Our rules-based monitoring engine is updated by our team of experts whenever needed. That’s 24/7 monitoring making sure your fraud ratio is the lowest possible.
Our fraud-fighting efforts don’t end with monitoring transactions, we offer a fully managed fraud service. By outsourcing to us, you won’t need any fraud or dispute specialists, training, or processes in place in-house. Our fraud prevention system runs 24/7 and in addition to monitoring, you’ll get portfolio analysis, fraud reporting and highly-skilled second-line support.
We’re there for you and your cardholders. You’re in safe hands because we are award-winning and exceptional in this space.
“In 2009, when I arrived in France as a refugee, I didn’t have a bank account while I had a few income assets. But when I had no more cash, I was not able to buy anything… After a few months, I was finally able to open a bank account, but without the card that would allow me to withdraw money from ATMs or pay in stores or online.
This situation lasted for over a year and negatively impacted my personal and professional life. We created Welcome.Place to make sure that every newcomer could have access to banking solutions suited to his/her situation.”
Rooh Savar, Co-Founder and CEO of Welcome.Place
Explore how our award-winning payment cards tackled tricky challenges
Immigration service card
Immigrants get a reception allowance upon arrival to support them in their new situation. These people come from different circumstances and for different reasons. They cannot open regular bank accounts because they don’t have national social security identifiers.
The issued prepaid card is an intermediate solution for the immigrants to be able to receive social welfare benefits, salaries, get their household fees paid, etc. It’s fit for purpose to provide a light banking solution for people without access to traditional banking services.
Prison service card
Prisons do not accept cash or personal payment methods, which is why prisoners need access to governmental prepaid cards to make payments.
They get certain allowances from the state that can only be consumed with this prepaid card. Prisoners can spend their money in prison canteens or shops that sell daily supplies.
Court system card
These cards are used for paying witness allowance. When you testify in a court case, you are compensated for your time, effort and expenses. The payments are single-loaded into this prepaid card. Usually, the outgoing payments are of relatively low value.
These cards deliver convenience and seamless compensation, enabling the witness to be paid directly after performing their duties.
This also eliminates a lot of back office work and overhead for the court system because they don’t have to manage payments and assign remunerations later.
Social services card
Social insurance beneficiaries can get their allowances directly on this instantly issued card. The cards can be assigned to people who don’t have access to traditional banking services. They enable beneficiaries to pay for their everyday costs like rent, healthcare, and food.
Also, cards for specific use cases, such as pharmacy cards for medicine bills that only work in pharmacies and can be topped up as needed, can be issued. Such payment cards provide a discreet way of using benefits without the fear or shame of being judged or discriminated against.
First aid card
A prepaid card created for a non-profit Welcome.Place supports the Ukrainian refugees who have arrived in France since the start of the war in Ukraine in February 2022. As part of a “Welcome Package”, which is distributed to newcomers in France, refugees and immigrants will receive a prepaid Visa card that is pre-loaded with funds to facilitate spending on a range of items and services within their first weeks in the country.
In full compliance with local regulations and payment industry mandates including PCI-DSS, Enfuce facilitates the card issuing and physical card distribution. Supported by Enfuce’s cloud-based processing platform, Welcome.Place can also remotely and instantly set advanced spend controls on each card, including where and how it can be used, with full tracking and monitoring of how money is spent. In addition, the cards can be instantly blocked from usage in certain merchant category codes (gambling and gaming etc,) and spend controls can be adjusted in real-time to enable purchases at approved locations.Welcome.Place launches refuge "First Aid" card pilot in France with Enfuce, Epassi & Visa from