Fintech | Credit Card Topics

Recognizing Paysafe for its Secure Payment Services Tailored to Every Small and Medium-Sized Business

By: Brandon Rossman, 10/3/2022

In a Nutshell: Paysafe provides an accessible and secure payments platform for the small and medium-sized businesses it serves. Its focus is to create a system where business owners only have to worry about their business. Paysafe takes care of fraud detection and data analytics, and it expands as businesses scale. For its dedication to helping small and medium-sized businesses thrive in what can be a very complicated space, CardRates is recognizing Paysafe with our Editor’s... read more »

Creative Juice Provides Online Banking, Financing, and Business Tools for Content Creators

By: Sean Roderick, 8/18/2022

In a Nutshell: Most people who earn a living through content creation, such as on YouTube and other online platforms, often find it difficult to organize their non-traditional cash flow. Traditional banks usually lack the expertise to deal with such entrepreneurs. Creative Juice is a startup provider of banking and financial services specifically for content creators. It provides useful tools and insights to help creators keep track of their finances. The company also offers funding... read more »

RoundUp App Makes Donating With Your Credit Card Easy and Accessible

By: Adam West, 4/7/2022

In a Nutshell: For making online donations easier, RoundUp App has created a platform that enables donors, nonprofits and merchants to connect seamlessly. The app’s key features allow donors to round out purchases for causes of their choosing, nonprofits to reach a wider target market, and merchants to integrate donation options into the checkout lanes. It comes with various tools for users to budget how much to donate, keep track of donation history and collect receipts for tax... read more »

Extend Empowers Businesses to Control Spending Through Virtual Credit Cards Without Changing Banks

By: Jon McDonald, 1/5/2022

In a Nutshell: The Extend platform allows companies to issue virtual credit cards (VCCs) to their vendors and merchants. VCCs have typically been issued by big banks, but Extend enables financial institutions to add that functionality to client credit cards without adopting any new products. And companies and small businesses can quickly start issuing VCCs to their own vendors and merchants. Virtual credit cards are becoming more common in our ever-connected world. A virtual credit... read more »

Copper: A Fee-Free Debit Card and App Ecosystem That Works with Parents to Teach Responsible Card Use

By: Adam West, 12/6/2021

In a Nutshell: Copper provides digital banking services and products, including a debit card attached to an app, to help teens take control of their financial futures. The app offers interactive tools and resources, and Copper partners with parents to help kids master the fundamentals of digital banking. Copper also allows teens to manage their spending and balance their financial tradeoffs to build skills to manage their money as adults. People of a certain age probably remember... read more »

The Temenos Infinity Platform Empowers Banks and Credit Unions with Cutting-Edge Fintech Solutions

By: Jon McDonald, 10/13/2021

In a Nutshell: The Temenos Infinity platform provides out-of-the-box digital banking solutions for financial institutions looking to innovate quickly. Infinity offers a wide range of features to meet common online banking needs, and it provides the flexibility to modify them to the needs of each institution. Its built-in Explainable AI (XAI) helps drive user engagement, helping institutions improve their market performance and provide even greater value to customers and members. The... read more »

Penfold Digital Pension App Helps Workers Maximize Retirement Savings and Plan for a Positive Credit Future

By: Adam West, 9/29/2021

In a Nutshell: Many workers in the UK aren’t on track to have enough money saved for retirement, with as many as 20% not having any pension savings at all. The Penfold pension app encourages UK workers to plan for a comfortable retirement by using digital automation and flexibility to manage their pension. That can mean a more positive credit future for UK retirees because workers short on funds when they retire may find themselves resorting to high-cost credit products. Shifting... read more »

How Consumers and Mobile Devices are Changing the Economics of Card Services

By: Jon McDonald, 9/23/2021

In a Nutshell: As recently as a decade ago, routing data over the big payment networks was so expensive that smaller merchants had to consider whether accepting cards was worth it. That's certainly not the case today, as mobile devices have replaced the clunky processing hardware of yore. But the story of change won't end there, says Andrew Wu of the Michigan Ross FinTech Initiative. As issuers compete for business, money management services and tools are set to emerge as drivers of... read more »

Tribal Credit: Interest-Free Corporate Cards Help Digital Startups in Emerging Markets Grow and Scale

By: Adam West, 7/20/2021

In a Nutshell: Modern startups and SMEs in emerging markets often have the technology to reach customers and suppliers all over the world. However, many lack willing financial partners and access to sophisticated card and payments products because they have insufficient credit histories. Those SMEs can turn to Tribal Credit for physical and virtual cards and other payment products that enable global transactions with customers and suppliers and provide granular spend controls. With... read more »

Zafin: Enterprise-Level Solutions That Help Small Banks and Credit Unions Drive Innovation and Growth

By: Matt Walker, 6/29/2021

In a Nutshell: Community banks and credit unions need top-tier solutions to compete, but often the resources aren’t there to support the necessary innovation. Fortunately they can now partner with Zafin to gain the upsides of a tier one bank without the complexity and overhead. On their platform, that also serves enterprise customers, Zafin Community Advantage enables community banks and credit unions to quickly integrate new products and gain insights to improve acquisition of new... read more »

TurboTenant: Convenient Management Software that Allows Independent Landlords to Accept Cards

By: Matt Walker, 5/20/2021

In a Nutshell: Renting out properties as an independent landlord can be a challenging process, from advertising a property and screening potential tenants to collecting rent in a timely manner. TurboTenant is a software platform designed for landlords who own between one and four properties. The property management software delivers a new level of convenience for landlords and tenants by facilitating communication and maintenance requests and allowing easy online payments via ACH,... read more »

MOVO® Helps Move Money Fast with Its Innovative Technology and App-Based Debit Card

By: Matt Walker, 5/18/2021

In a Nutshell: The finance sector continues to evolve thanks to rapid developments in new technologies. Innovative companies like MOVO® are leveraging these technologies to deliver a simple, fast, and efficient way to move money. The company’s all-in-one platform reenvisions the traditional debit card and allows users to create, load and preload digital CASH Cards to optimize security and ease of use. MOVO’s focus on digital cash is built for today’s fast-moving world of... read more »

Zelf Offers a Virtual Debit Card and Voice-Controlled Banking Services Through Familiar Messenger Apps

By: Adam West, 4/26/2021

In a Nutshell: Online banks typically stick to a model built around a dedicated app and a physical card. A new offering from Zelf allows financial consumers to use their favorite messenger apps to set up virtual card accounts to send and receive money and make purchases. Zelf appeals to a growing audience of younger consumers by dispensing with a dedicated banking app infrastructure. Its technology works through more familiar digital channels that consumers can navigate quickly, even... read more »

Brex: A Platform for Businesses to Consolidate Credit Cards, Cash Management, and Reporting

By: Matt Walker, 4/23/2021

In a Nutshell: Companies today operate differently than companies of the past. Fast-paced startups are often dependent on modern technology that helps them grow rapidly and pivot at a moment’s notice. But traditional financial structures haven’t necessarily kept pace with these young businesses. Brex offers a fintech platform designed with modern startups in mind. The platform allows new companies to more easily secure a credit card to begin spending. And the Brex Cash product... read more »

Leverage Credit Card Rewards to Help Fight Climate Change with Klima’s Carbon Offset Platform

By: Matt Walker, 4/20/2021

In a Nutshell: Credit cards come in handy for making large purchases, and using them responsibly can help users rack up some great rewards these days. But they can also be used to fight climate change. Klima offers an innovative platform that lets users easily connect a credit card to the company’s app to conveniently offset their carbon footprint through a monthly subscription. Klima focuses on short-term carbon offsets as well as helping people understand the importance of... read more »

Zelle Partners with Banks and Credit Unions to Make Sending and Receiving Money Fast and Easy

By: Matt Walker, 4/8/2021

In a Nutshell: Sending and receiving money used to take days or even weeks, and the process was often associated with notable fees. Zelle entered the money transfer arena just four years ago and is an industry leader thanks to its convenient platform. Zelle, which is owned and operated by Early Warning Services, LLC, partners with banks and credit unions around the country to seamlessly integrate into their institutions’ banking experiences. Zelle prioritizes customer feedback and... read more »

Conveniently Pay with Credit and Minimize Contact via House Calls from YourMechanic

By: Matt Walker, 4/5/2021

In a Nutshell: Dealing with auto repairs can be a hassle, whether you’re trying to get a car in need of service to the shop or negotiating prices once you got there. YourMechanic solves these problems by sending a mechanic directly to you. The company also promotes transparent pricing. Instead of providing estimates, YourMechanic provides quotes and sticks to them. YourMechanic also promotes safety through the COVID-19 pandemic by practicing social distancing and following the latest... read more »

Upgrade: A Fintech That Offers a Cash Back Card and Fee-Free Rewards Checking to Mainstream Consumers

By: Adam West, 3/26/2021

In a Nutshell: Many fintech banks that are vying for market share chase success by appealing to niche consumers. However, Upgrade aims to attract mainstream consumers with a wide range of beneficial financial products. It offers personal loans with low fixed rates, a cash back credit card with an innovative payment structure, and a fee-free checking product that pays 2% rewards on everyday expenses. Upgrade's ultimate goal is to provide products that help lower costs and solve... read more »

Greenphire Delivers Flexible Virtual Payments and Pre-Paid Card Solutions for the Clinical Trial Sector

By: Matt Walker, 2/24/2021

In a Nutshell: While the average consumer may not have considered it, efficient credit card and payment processing solutions are extremely important in the clinical trial sector. And it has been especially critical in 2020 as companies rush to safely but effectively develop a vaccine for COVID-19. Greenphire stands at the forefront of payment solutions in the clinical trial sector with a suite of products that reduce barriers to participation, lighten the administrative burden, and... read more »

Best Apple Pay Credit Cards of 2022

By: Eric Bank, 2/24/2021

If you’re a fan of digital wallets, you’ll find our review of the best Apple Pay credit cards highly enlightening. These cards work seamlessly in Apple Pay but are great cards even if you never use a mobile digital wallet. If you’re in the latter group, we suggest you give digital wallets a try -- they are easy to set up, convenient to use, and just plain cool. Best Apple Pay Compatible Cards It turns out that most cards are compatible with digital wallets, so these rankings are... read more »

Why a Major Card Issuer Picked Minna Technologies to Power Its Subscription Management Platform

By: Matt Walker, 12/17/2020

In a Nutshell: From online streaming to groceries, companies and consumers are shifting to subscription-based services. Those subscriptions can pile up and become a hassle for consumers to manage by themselves. Minna Technologies has created a platform for banks to help their customers more easily manage their subscriptions. The platform not only saves financial institutions significant money on the backend, it saves customers money by helping them identify subscriptions they don't use... read more »

Jami’s Server-Free Platform Allows Users to Discuss Things Like Credit Card Account Details Without Fear

By: Matt Walker, 11/10/2020

In a Nutshell: Confidentiality and security is extremely important when it comes to the many forms of online communication, especially as it relates to discussing details like credit cards and bank accounts. Jami is a serverless peer-to-peer communication platform that delivers maximum privacy via end-to-end encryption. Users can use Jami to communicate with other individuals or with groups. Because it doesn’t depend on a server, the free platform is not constrained by file sizes or... read more »

Apex Clearing Offers Digital Clearing and Custody Solutions that Help Fintech Investment Firms Deliver Modern Customer Experiences

By: Adam West, 4/22/2020

In a Nutshell: The era of digital transformation in financial services is also an era of democratization. A growing number of consumers are looking to participate in sectors of the market, like investing, that a generation or two ago were far more walled off from. One of the firms leading that surge is Apex Clearing, with its lean B2B model for digital clearing and custody solutions. Apex has emerged as a go-to platform partner for a new wave of fintechs capable of quickly scaling up... read more »

BANKEX: A Social Commerce Platform for Businesses, Facilitating Payments via Messengers and Social Media

By: Matt Walker, 4/10/2020

In a Nutshell: More consumers today spend both work and free time on social media and in messaging apps than they have before, and BANKEX is ready to meet them there. The fintech platform assumes a social commerce approach to business -- meaning it helps financial institutions and others leverage social media and messengers to their advantage. It helps banks integrate valuable tools right into messenger services so customers can transact via text. BANKEX also uses similar tactics in... read more »

NuoDB’s Cloud-Native Distributed Database Helps Enterprise Financial Providers Scale for Evolving Customer Demand

By: Adam West, 4/3/2020

In a Nutshell: When you're casually consuming content on your phone, an occasional data hiccup is no big deal. But any latency in a global financial application could snarl a critical transaction and potentially damage the provider's credibility. That's why most banks hold onto tried-and-true on-premise SQL systems for decades, even when logic tells them the cloud is the way forward. With NuoDB's true cloud-native distributed SQL solution, providers now have a cost-effective way to... read more »

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