The commerce partner of choice for thousands of financial institutions

Our merchant services, issuer solutions and
accounts payable automation technology are
trusted by financial institutions worldwide.

1,500
banks served, including 200 of the largest national and international banks.

816 million
issuer accounts managed and 4.6 million merchant locations worldwide.

32 billion
transactions authenticated and processed annually, making us the #1 third-party issuer processor in US, Canada, UK, Ireland and China*.
*Through our joint venture with China UnionPay

Solutions to power your growth

Merchant solutions

Build valuable merchant services relationships with our flexible technology and a partnership tailored to your needs.

Issuer solutions

The only platform you need for origination, processing and risk management.

AP automation

White-label our technology to automate the entire AP process—from invoice capture and coding through payment execution.

End-to-end merchant solutions for your customers

Our merchant solutions give your customers everything they need to fuel their success. And accelerate your own growth in the process.

Business deposit customers with merchant services relationships are far more valuable.

  • 2-4 times more overall income
  • Twice the deposit balances
  • Twice the cross-sell uptake
  • 50% higher retention

Our merchant 
solutions deliver

  • “Plug and play” payments technology tailored to any industry. Whatever a customer’s size or location, we’ll provide customized merchant solutions that deliver.

     

  • Omnichannel payments. Accept payments across all channels and environments—mobile, online, in store and more.

  • Business tools. From digital marketing to powerful management and analytics software, we offer everything your customers need to run and grow their business.

     

  • Frictionless, intuitive onboarding materials and support. The result? Maximum merchant activation and engagement.

     

  • A support team dedicated to financial institutions. Comprehensive marketing, training and lead management support, with detailed, centralized data and reporting.

Talk to our experts

Flexible partner programs 

One size never fits all. So we’ve developed partner models that adapt to your needs.

A complete referral program

We’re the experts in payments—so you don’t have to be. Our sales experts are always ready to help your customers. Just refer them to us. And our online lead tracking system is simple to use and mapped to your branch footprint. So you’ll always be up to speed on the status of your referred customers.

A winning agent bank program

Empower your team to execute on the sales process while we take care of the delivery and support. You’ll control the sales and marketing, and we’ll provide innovative products and services to help you achieve even more.

A flexible acquiring program

Looking for technology that scales? Run your own business while we deliver full-service processing (FSP) support every step of the way. Including authorization and capture, clearing and settlement, risk and compliance, chargeback processing, and reporting and analytics. We can handle some of your technology—or all of it.

A complete—and completely configurable—issuer platform, built for the future

Whether you’re a commercial or consumer issuer—or both—we’ll work with you to tailor the perfect solution for your business. We deliver the only platform you need for origination, processing and risk management. Simple to integrate. Ready to grow with you. And always cloud-native, API-first and endlessly configurable.

Commercial issuers

Grow your portfolios with a flexible platform delivered by the #1 commercial issuer processor in North America. When it comes to commercial issuing and epayables, we’re the experts.

  • Seamless B2B and B2G payments
  • Complete program customization
  • Virtual payments to automate and digitize accounts payable
  • Configurable spend controls
  • Compliance expertise for card program managers

From small business to corporate and commercial, government entities or all of the above, we can tailor a solution that meets your needs—and your customers. With our completely customizable card options and configurable programs, you’re ready for today, and ready to adapt tomorrow.


Full stack card offering—physical or virtual

  • Purchasing
  • Travel and entertainment
  • Fleet
  • Epayables
  • Business cards

Get started

Consumer issuers

We support you completely throughout the credit and debit account lifecycle. Prospecting. Onboarding. Customer support. And every moment in between. We deliver:

  • Support for every major card brand and network—including private-label cards.
  • Single-platform access for debit or credit—signature or PIN. So you always get total system flexibility and maximum operational efficiency.
  • Flexibility that allows customers to transact the way they prefer. Including chip, QR code and digital wallets—Apple Pay, Google Pay and your own private offering.

Get started

End-to-end AP automation

White-label and offer end-to-end AP automation software to your customers. Give them the power to automate the entire AP process—from invoice capture and coding through payment execution.

New revenue streams for your financial institution

  • Connect more deeply with business customers, increasing loyalty
  • Convert check-based business payments to virtual card payments

And advantages your customers will love

  • Improved efficiency that frees up internal resources. Our solutions automate the entire invoice-to-pay process.
  • Reduced payment costs. Eliminate the manual effort of cutting checks as well as hard costs like check stock, ink and postage.
  • Savings on every payment. Help your customers say goodbye to paper checks with virtual cards and other epayments.
  • Improved visibility. They’ll always have a centralized view of all things accounts payable.

Get started

Stay ahead.
Stay informed.