The credit infrastructure that frees you to build.
A well-designed credit card is one of the most powerful products an organisation can launch. Behind it sits a sophisticated engine of interest logic, repayment flows, collections and lifecycle management, all of which need to work precisely and at scale. The infrastructure handles that layer, so your team stays focused on designing, pricing and evolving the product.
What the credit infrastructure gives your team.
Configurable pricing and revenue models.
Define and adjust FX fees, subscriptions, instalment interest and value-added services directly in the platform, with repayment models and feature design always in your hands.
A cardholder experience you design and own.
Define the cardholder experience from real-time balance visibility to flexible repayment and instalments, delivered under your own brand as a natural extension of your customer relationship.
Infrastructure ready to configure.
The core credit infrastructure, compliance foundations, billing, repayment logic and collections are already built, so your team focuses entirely on configuring and growing the programme.
Operational control, end to end.
Interest accrual, invoicing, reminders, collections and write-offs run automatically and precisely, giving your team consistent operational control across the full credit lifecycle.
Guides
Design and launch a credit card product that stands out.
This blueprint helps you build a future-proof credit card offering.
The credit functions that give your programme precision.
Configurable credit and repayment logic.
Configure interest models, payment priorities, grace periods and minimum-to-pay thresholds precisely to your programme, with balance tracking across current, billed, grace and overdue buckets giving your team full visibility throughout.
Automated from invoice to collection.
Configure billing cycles, invoice generation, reminder flows and collections by product, segment and geography, with localisation for UK and EEA markets built in and auditable workflows running automatically throughout.
Direct access to credit operations.
Through MyEnfuce and credit management APIs, your team adjusts credit limits, updates payment terms and manages billing settings – triggering or pausing operational flows in real time.
Integration architecture that fits your stack.
Connect to existing core systems, CRMs, finance tools and third-party providers through open APIs, with an architecture designed to work alongside what you already have.
The reads that move your card programme forward.
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Let’s talk about building your credit infrastructure.
Share your credit programme plans and we’ll show you how far they can go.
