FAQ section

No. We have designed these rules in a way that each one can be added and removed by yourselves. You don’t need our involvement unless you want it. But we are always here to support and consult.

No, there is no limit, so the different types of use cases are very broad, depending on the types of rules that you apply to each card. The use cases we have shown here are simply examples, to help you get creative and start relating them to your own businesses.

Yes, you can apply spend limits according to different types of groups of people and their spending permissions. Or you can do it individually. Or you can do both – and apply a broad group rule, that is then personalised and tweaked for individuals.

• Enable informed decision-making based on data rather than guesswork.
• Identify opportunities for growth and improvement, as well as potential risks.
• Improve efficiency and performance by identifying inefficiencies and bottlenecks
• Enhance customer understanding and enable personalised experiences.
• Drive innovation and product development by identifying market gaps.
• Measure performance and ROI, allowing for adjustments and resource optimisation.

Enfuce takes security and fraud extremely seriously. We are fully compliant with relevant GDPR, PCI-DSS and PSD2 certifications. Our platform is monitored 24/7 and patched rigorously to prevent any harm from coming to our customers. We are proud to have been named a fraud prevention leader by the prestigious Celent.

1. Define your objectives: Clearly define the specific patterns and trends you want to identify. For example, you might want to analyse late payment trends, payment method preferences, or seasonality effects on payment behaviour.
2. Define key metrics: Identify the key metrics that will help you measure and analyse payment behavior. Examples include average payment time, payment frequency, payment amount distribution, and customer segmentation based on payment patterns.
3. Visualise the data: Use data visualisation techniques such as charts, graphs, and dashboards to gain insights from the data.
4. Perform statistical analysis: Apply statistical techniques to uncover patterns and trends in the data.
5. Segment your customers: Divide your customers into meaningful segments based on their payment behaviour.
6. Use predictive modelling: Utilise predictive analytics techniques to forecast future payment behaviour.
7. Monitor and track performance: Continuously monitor and track the identified patterns and trends over time.
8. Take action: Translate the insights gained from payment analytics into actionable strategies.

Yes, our hybrid payment solution supports both EV charging and traditional fuel purchases.

Open-loop cards work across multiple charging networks, while closed-loop cards are restricted to a specific provider. Enfuce supports both and hybrid models for maximum flexibility.

Enfuce ensures full compliance with the EU’s Alternative Fuel Infrastructure Regulation (AFIR), which mandates card payment compatibility across all public chargers.

Revenue streams include:

• Interchange fees on transactions
• Subscription or service fees
• Merchant partnerships & commissions
• Monetising transaction data for targeted marketing & business growth

Yes, spend controls allow you to restrict usage to selected EV charging networks or locations.

Absolutely! Our cards can be configured to pay for parking, tolls, vehicle maintenance, public transport, and micro-mobility services.

When considering whether to build or buy your ledger, it’s important to consider the factors that make these systems (especially credit card ledgers) challenging to build and maintain:

• Scalability – Card systems must be built to handle growing account and transaction volumes, processing and recording a high-volume of transactions in real-time. This requires scalable infrastructure and data management systems with load-balancing, built-in redundancies and distributed data.
• Data integrity – Ledgers have to be a reliable system of record for all accounts, balances and transactions. This requires rigorous data validation and verification. Inaccurate data can lead to incorrect calculations and balances statements, which can lead to customer disputes and loss of trust.
• Complexity – There are many different types of data that need to be recorded in the ledger beyond just transactions, and everything needs to be tracked and timestamped accurately.
• Security and privacy – Card systems are full of sensitive information and are often the targets of fraud and cyber security attacks. Building a ledger requires implementing and maintaining strong security measures.
• Integrations to other systems – Card transactions require real-time interactions with different external systems such as financial institutions, payment processors, merchant networks and card schemes. Data from these needs to be gathered and reconciled in the credit ledger.
• Compliance and regulatory requirements – Card ledgers need to meet the requirements of PCI-DSS and financial reporting standards. Building a system that meets regulatory obligations, requires specialist expertise and ongoing support to ensure your business meets the required standards.

Credit card products can be lucrative, with possible revenues from interest, card subscriptions fees, late payment and reminder fees, ATM withdrawal fees and credit interchange.

Enfuce’s API enables you to flexibly set these fees and unlike most issuer processors, we will share the majority of the interchange revenue with you or let you keep it entirely, depending on the type of your card programme.

There’s a reason why more and more brands, fintechs, and alternative lenders are considering launching their own credit cards. Credit cards enable you to embed finance into your services. They are also a way to build customer loyalty, gain more customer insights from transaction data, and enhance your brand.

Enfuce has extensive experience in card programme migrations. We’ve done both re-carding and data migrations. So, we can help you choose the best approach, scope and plan your migration, and manage the migration project.

Read more about modernisation and migration in our Issuer’s Playbook: Guide to Card System Renewal

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

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

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.

Our bespoke options are indeed for this very purpose. You might have a campaign or very niche customers and you want your cards to be very aligned with your customer profiles and values. This is where the highly customisable options can come into play.

Or you might be keen to align with the sustainable nature of your customers and have very sustainable options. This is where ocean waste or corn based for example might suit you.

You can also add highly customised carriers and envelopes to suit your brand. We’d love to discuss what you are looking for and make it happen for you.

Yes. We have standard, MyCard Express cards, which are black or white and in stock. You can use a simple template to add your logo, colour etc and get these out the door much quicker.

These tend to be useful for quick starts, trials or pilots. Or where you would like something lower cost to fit your budget needs. These cards use recycled PVC and have limited customisation options.

Yes. We encourage our customers – whichever card they choose – to be as sustainable as possible. We suggest you use our ViewPIN and SetPIN features, so your end customer does not need to receive a separate PIN letter​ and we use recycled plastic cards​.

With our premium, more customised options you can of course have the carriers (a letter or similar which holds the card being sent) and envelopes made of recycled paper. A broad range of recycled cards are available – including corn, ocean plastic and more​. And depending on which card is chosen, they can be recycled in normal recycling.