Credit cards where revenue and loyalty meet.

A credit card programme drives recurring revenue, deepens customer relationships and turns everyday spending into long-term loyalty. Today’s cardholders expect real-time visibility, flexible repayment, instalments and a digital experience that keeps pace with them.

Delivering that experience, with the credit ledger, billing, interest, reminders and collections running behind it, is what this platform is built for. Product design, pricing and evolution stay in your team’s hands as the programme scales.

The commercial levers that get you to market and grow the programme.

Multiple revenue streams, one programme.

Generate revenue across interchange, FX, subscriptions, instalment interest, insurance and value-added services, with full control over pricing, repayment models and monetisation levers as the programme evolves.

Credit cards that build loyalty.

Real-time balances, clear statements, flexible repayments, instalments, tokenised payments and instant fraud alerts, all under your own brand, so customers grow more connected to your brand with each interaction.

Launch fast, stay in control.

Define your own repayment journeys, monetisation models and customer experience. The credit infrastructure is configurable to your programme from day one.

Grow your portfolio, not your operations.

Billing, dunning, collections and limit management run automatically and self-serve through MyEnfuce and APIs, configurable by product, geography or segment. Portfolio growth translates directly into revenue.

Compliance and integrity, built in.

The credit infrastructure comes with dual FSA and FCA regulation and Visa and Mastercard principal membership built in, giving your programme the regulatory standing and scheme access to launch and grow.

The credit scenarios this platform is built for.

Launching a new credit programme.

For banks and fintechs launching a credit product from scratch, with revenue models, repayment structures and cardholder experience defined in-house, and the operational depth of the credit infrastructure already in place.

Migrating off legacy infrastructure.

For issuers moving credit programmes off older platforms. Your exact credit logic replicates in the new infrastructure, running in parallel throughout the transition, with live operations unaffected.

Debit programmes adding credit.

For programmes running debit cards today and adding credit. Both sit on one platform with a shared cardholder view, unified controls and one issuance layer.

Expanding credit across markets.

For issuers scaling credit programmes across the UK, Finland and the EEA. Dual regulation and principal scheme membership provide the regulatory foundations, while local configuration handles country-specific requirements.