From card concept to cardholders — faster than you thought possible.
Issue branded virtual and physical cards instantly. Drive revenue through interchange while managing spend with real-time, programmable controls — without the months of manual bank reviews.
From card concept to cardholders — in record time
Accelerated Card Launches
AI pre-validates your card designs against Visa and Mastercard rules before bank submission — cutting weeks off your launch timeline.
Interchange Revenue
Turn every card swipe into a revenue stream — capturing up to 100% of consumer interchange and 80% of corporate interchange.
Instant Digital Wallets
Enable Apple Pay and Google Pay tokenisation immediately via out-of-the-box SDKs — no complex integrations required.
before integrated finance
Months lost to manual reviews, rejected artwork, and opaque manufacturing delays
Launching a card programme meant waiting two weeks for banks to manually review card artwork, then navigating complex Apple and Google Pay integrations, then managing physical card manufacturing timelines — all before a single card reached a user.
with integrated finance
AI pre-validates your designs before the bank ever sees them
Card HUB's MidOffice AI checks your card designs against scheme rules automatically — catching brand breaches and compliance issues before submission. Issue virtual cards instantly, push them to digital wallets, and manage physical card shipping entirely via API.
Every card authorisation is a decision you control
Integrated Finance treats every swipe as a programmable event. Set real-time velocity controls, MCC restrictions, and custom risk rules that determine exactly when a transaction is approved or declined — and why. Every decision is permanently recorded with full explainability, giving you the audit trail your compliance team needs.
Turn spending into a profit centre — from day one
Configure exactly how interchange revenue flows through your platform — retaining up to 100% of consumer interchange and 80% of corporate interchange. The CoreOS Pricing Engine gives you granular control over how fees are structured, split, and swept into your operational accounts automatically.
Apple Pay and Google Pay. Ready before you launch.
Push Provisioning and out-of-the-box tokenisation SDKs mean your users can add their card to a digital wallet the moment it's issued — no separate integration project required. Automated 3DS authentication runs in the background, protecting high-volume transactions from fraud without adding friction to the user experience.
The platform that gets smarter the longer you use it
Integrated Finance doesn't just help you launch — it keeps working in the background, automating the compliance and operational tasks that would otherwise eat up your team's time.
Every swipe, explained
Every card authorisation is permanently recorded with the exact reason it was approved or declined — giving you a full, explainable audit trail without any manual logging.
3DS fraud protection, automated
Ongoing 3D Secure enrolment and authentication runs automatically in the background — protecting high-volume transactions from fraud without adding friction for your users.
Interchange revenue on autopilot
Revenue from every card transaction is automatically routed into your operational accounts — no manual reconciliation, no end-of-month surprises.
Smarter spend controls over time
As your cardholder base grows, Integrated Finance surfaces richer spending patterns — helping you refine your risk controls and rewards programme without adding analyst headcount.
How Kaldi bundled cashback, cards, and investments into one seamless app
With Integrated Finance handling the payment infrastructure, Kaldi's team could focus on building the product their users actually love.
