Credit Solution

Built for banks, proven at scale. Smarter credit starts here.

Credit card innovation without the overhaul.

Launch, optimise and scale credit cards with confidence. Enfuce’s modular, cloud-native Credit Solution empowers banks and financial institutions to innovate faster, simplify operations and stay compliant, without the burden of legacy systems.

Rethinking credit from the ground up.

Credit card usage is growing globally, with spend expected to reach $648.7 billion by 2027 and over 37% of cards now issued digitally. (Source: Credit Card Strategies 2023-2027, Juniper Research)

Despite this demand, many institutions still struggle with outdated systems and slow, manual processes that delay innovation and increase cost.

Why legacy credit stacks fall short:

Limited support for flexible finance and repayment models
Compliance demands draining team resources
Disconnected operations slowing product launches

Full control of credit through a flexible ledger.

Enfuce’s real-time, rule-based ledger gives you the tools to create smarter, more adaptable credit products:

Balance segmentation made simple

Track and manage balances (current, billed, overdue, grace) with precision. Payment allocation and interest models are fully configurable.

Tailored, flexible repayment journeys

Offer structured instalments like BNPL or post-purchase instalment plans, improving cash flow and customer choice.

Instant issuing for faster onboarding

Give customers immediate access to digital cards in Apple Pay, Google Pay or Samsung Pay from day one.

Credit that revolves and evolves.

Revolving credit allows cardholders to borrow up to a set limit, repay in full or in part and continue using available funds. It’s a proven model that combines financial flexibility for customers with recurring revenue for issuers but only if it’s supported by the right technology.

With Enfuce, you can:

Set precise grace periods, interest rules and repayment flows tailored to each market.
Define how interest is applied (daily, flat, or compound) and automate repayment allocation.
Track balances in real time, from current spend to overdue amounts, ensuring full visibility and compliance.

All the complexity behind revolving credit is handled by our platform, so your teams can focus on optimising performance and customer experience.

Future-ready credit operations and repayment journeys.

Enfuce empowers your teams to streamline operations and deliver customer-focused repayment options, all from a modular platform.

Streamlined operations

Automate billing, invoicing, reminders and collections, with localisation for UK, EU and market-specific requirements.

Seamless integration

Connect easily to your core systems and CRMs via API, without costly rebuilds.

Flexible repayments

Offer BNPL, instalments and tailored repayment plans configured by segment, transaction type or merchant.

Compliance made effortless.

As a regulated Electronic Money Institution (EMI) in both the UK and EU and a principal member of Visa and Mastercard, Enfuce embeds compliance into every layer of its platform, from authorisation routing and dispute management to reporting and audit.

Support for GDPR, AML and local regulatory rules is built in. Documentation and templates are localised. And every action, update and transaction is fully traceable.

With Enfuce, institutions operate with confidence, even as regulatory expectations evolve.

Migration made simple.

Enfuce helps leading financial institutions across Europe and beyond launch and migrate credit programmes with ease.

Our modular, enterprise-proven approach ensures fast, low-risk transitions through a structured seven-step framework. With robust infrastructure and a team experienced in scaling credit, we deliver the uptime, security and responsiveness your operations demand.

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Discover how Enfuce can power your next credit breakthrough - connect with our team.

Blog

Credit card trends in Europe: Strategic insights for banks and digital lenders in 2025.