A mobile-first credit card platform
Reduce the cost and complexity of building your own credit card program
Launch your own world class, scalable, and secure card program
Stand out with a beautiful, user friendly, mobile experience
Increase customer loyalty with an expanded offering
Drive frequency and brand relevance with unique rewards
Our Mission
We’re here to unlock speed and innovation in the credit card space
WHAT WE’RE SOLVING
Existing credit card systems are old, rigid and expensive
our solution
Our innovative core processor is now the future of credit cards
A re-imagined credit card stack
Built with a mobile-first approach, our entire credit card stack is vertically integrated
Innovation
Ability to innovate quickly without inter-company constraints
Speed
Faster feature development and updates across mobile and core processing
Control
Full control over data guarantees error-free reconciliation
Processor
Real-time, digital-first, cloud-native processor that was built to take advantage of mobile capabilities in real-time, making it more secure, smooth, and feature-rich.
Mobile App/SDK
Get a branded, native mobile app, or integrate into your own app.
Servicing
A full package of everything you need to run a credit card program, including: disputes, payment processing, credit bureau reporting, credit line increase/decrease, rewards, statements, etc.
Origination
Underwrite by utilizing credit bureau, cash flow, and incorporating your own proprietary data for optimal credit performance. Implement KYC, KYB, and fraud controls for both consumer and commercial applications to ensure security and compliance.
Core Processor Innovation for credit
Deserve’s processor technology has unlocked innovation and possibilities for banks, fintechs, and brands
Real-Time
Watch the data update before your eyes
Hierarchical Ledger
Flexibility to innovate in loan product space
Cloud-Native
Scale to millions of users without issues
Digital-First
Instant card issuance and unlimited virtual cards
Mobile-firstA game changer
Instant card issuance, reduction in fraud and a beautiful experience
Deliver the best experience and reach your financial goals
User centric design and brand aesthetic, leading to top of wallet
Easy, reliable and strong identity verification with significant fraud reduction
Instant issuance to 100% of approved customers, leading to higher activation
Get an instant card you can use as soon as you get approved.
Create unlimited virtual cards within your wallet and set controls.
Create unlimited virtual cards within your wallet and set controls.
Instant Virtual Cards
See more about your purchases than with any other finance app.
We provide clean merchant names with a logo, photo, and map. Transaction details are displayed in an organized, easy to understand view.
We provide clean merchant names with a logo, photo, and map. Transaction details are displayed in an organized, easy to understand view.
Enriched Transactions
Share your card over text with friends and family instantly.
Set monthly limits, monitor spending and get clear transparency on who made what transaction.
Set monthly limits, monitor spending and get clear transparency on who made what transaction.
Family Sharing
Keep a lookout for which device was used to make purchases.
Get notified when an unknown device is trying to add your card to a digital wallet so you can approve or decline it.
Block merchants and avoid surprise charges.
Get notified when an unknown device is trying to add your card to a digital wallet so you can approve or decline it.
Block merchants and avoid surprise charges.
Fraud Protection
Have a clear understanding of what you’re subscribed to and what day the charge goes through.
Easily put a stop to subscriptions with a click of a button.
Easily put a stop to subscriptions with a click of a button.
Subscriptions
Rewards come in all shapes and sizes.
Whether it be a category-based 1x, 2x, 3x reward multiplier or earned based on specific actions, you’re in control to customize an engaging experience for your audience.
Whether it be a category-based 1x, 2x, 3x reward multiplier or earned based on specific actions, you’re in control to customize an engaging experience for your audience.
Rewards
Hierarchical LedgerUntapped potential
Mix and match lending balances and interest models with parent/child relationships between multiple loan products
A revolving credit line that works in harmony with other products
Balance Transfer/Cash Advance
Move balances between credit cards at special promo rates
APR Based on Transactions
Special interest rates, specific to merchants or transactions
Family Sharing
Children can have their own spend limit within their parent’s credit account
Installment Lines
Buy now, pay later in fixed installments
Multi-Tenant SaaSA scalable platform
Our nimble, multi-tenant, cloud-native architecture allows you to edit quickly and go live instantly
Cost-effective
High quality and fast innovation at a low cost
Nimble
Relies on configuration rather than manual operations
Instant
Self service, edit quickly and go live with a push of a button
Open APIs & SDKsEmbed and innovate
Flexible and secure, our API-driven platform seamlessly integrates into our partner’s ecosystem
Built for scale, our developer-friendly Open APIs provide you with tools to build an innovative program
APIs
APIs for Underwriting, KYC/KYB, Servicing, Card processing, and Program and Product setup
SDKs
We provide SDKs to eliminate PCI risk and add features like Push Provisioning, Display PAN, etc.
Private Sandbox
Build and test apps with Sandbox access
Simulators
Simulators for credit card transactions, payments, statements, delinquencies, and credit life-cycle