Cardless | Embedded Credit Card Platform

Built to disappear into your experience.

Add credit from end to end with our flexible tools, program analytics, and full-service operations.

Mix and match.

Use our APIs, pre-built components, or do both.

Choose what fits your team, tech, or roadmap.

APIs for the complete credit journey

Include credit across your product experience.

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Accept Applications

Pre-built components to move faster

Handle common credit flows with fully customizable components.

Application flow

Use our Application component to onboard users instantly with identity checks, eligibility logic, and real-time decisioning.

Checkout integration

Use our Checkout component to let customers apply during checkout with instant virtual cards on approval and no added friction.

Card management

Use our Card Management component to let customers activate cards, manage settings, and get support.

Transaction disputes

Use our Transaction Disputes component to let customers report and track requests directly in your app.

Credit that learns from you

Improve the relevance of your program with a real-time feedback loop of credit and customer usage data.

Stay ahead of fraud

Combine your customer data with network-level signals to spot patterns early and stop fraud before it spreads. Risk models update continuously to block bad actors faster and keep good users moving.

Underwrite with real behavior

Reach more qualified customers with insights from user engagement like logins, purchases, and tenure. Approval rules adapt as your program learns.

Make credit feel personal

Use real behavior to guide when, where and how credit shows up. Test different offers, limits, rewards or messaging. Adapt to where customers are in their journey. Then optimize what works.

Credit infrastructure that stays out of your way

Great credit programs depend on strong systems. We handle everything under the hood.
Card production

Virtual cards are available immediately. Physical cards are mailed shortly after using our secure fulfillment network.

Fraud detection

We mitigate threats through advanced risk management tools, algorithms, and real-time fraud detection infrastructure.

Account servicing

We manage the end-to-end lifecycle of cardholder accounts, including payment processing, statement generation, and delinquency management.

Processing & Ledgering

Our platform handles all transaction authorization, clearing, and settlement. This includes real-time lettering and reconciliation across accounts.

Compliance

Stay compliant with industry regulations using our built-in compliance stack, featuring KYC, AML, and fair lending protections.

PCI DSS Certified

We're PCI DSS Level 1 certified, which ensures that cardholder data is handled with the highest standards of security and encryption.

Customer Support

Our customer support team is available to assist cardholders throughout the credit card journey, from onboarding to to ongoing support.

Program management

We handle ongoing program operations, partner coordination, reporting and performance optimization, so you can focus on your brand.

Issuer partnership

Partner with an issuer on our platform, integrate with our decisioning API, and use our credit facility or your own balance sheet.

See what our customers have built


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