Credit Cards: Empowering Smarter Lending
Help your customers lay the foundation for a stronger financial future.
Deliver ethical credit choices, drive financial growth and generate new revenue opportunities with our advanced platform built for banks and fintechs.
Introduce your credit solution with confidence
Traditional lending doesn’t have to be complicated. Paymentology’s credit offering, PayCredit, gives you the power to design flexible, scalable and profitable credit products, bringing innovation to your customers without the headaches.
Launch faster
Speed up time-to-market for credit solutions, unlocking revenue streams sooner than ever
Tailored credit for all
Serve both consumers and businesses with custom options, from revolving credit to SME lending designed for growth
Seamless management
Streamline your credit processes with real-time updates and automated accuracy
Powerful credit solutions for every customer
Meet the diverse needs of your customers with Paymentology’s flexible credit solutions, designed to drive loyalty and unlock new growth opportunities:
With Paymentology, you can design the products your customers need today
Effortless credit management
Move beyond legacy systems with Paymentology’s credit platform, delivering powerful tools for improved transparency:
Real-time records: Instantly update balances, repayments, and fees to keep customers and issuers always informed.
Automated accuracy: Ensure complete transparency and reliability with overnight calculations that eliminate manual errors.
24/7 updates: Deliver round-the-clock insights for seamless credit management, improving user satisfaction and operational confidence.
Experience effortless credit management that drives precision, reliability and results.

Embedded finance at your fingertips
Meet the growing demand for embedded finance solutions with Paymentology. Integrate credit cards into your partner ecosystems and create memorable, frictionless experiences:
- Expand your reach: Deliver credit solutions at retail outlets, online stores, and in-app platforms.
- Delight customers: Enable smooth, context-driven credit experiences that meet customers wherever they interact.
Unlock new revenue streams and elevate your partner collaborations with embedded finance.

Loyalty built in
Turn your credit offerings into powerful relationship builders:
- Engage customers: Offer cashback to boost retention and satisfaction.
- Streamline operations: Track loyalty activities accurately.
- Build connections: Strengthen customer relationships with meaningful incentives that keep them coming back.
Stand out in competitive markets by transforming every transaction into an opportunity to reward loyalty.
Credit on any platform
Bring credit cards into the digital age with Paymentology’s tokenization technology. Enable easy integration with Apple Pay, Google Pay, Samsung Pay and issuer pay wallets:



Track with ease
Empower users with real-time repayment tracking adding to in-wallet controls
Secure every transaction
Protect cardholder data with advanced tokenization for unparalleled security
Delight customers
Deliver a frictionless, modern credit experience they’ll love
Revolutionise your credit offering with the power of tokenization
Global reach, local expertise
Connect with global networks like Visa and Mastercard, as well as regional systems such as SEPA, MADA and Bancnet.
Deliver a reliable and consistent payment experience worldwide.

Elevate your expertise with The Paymentology Issuer Academy
Discover Paymentology’s Issuer Academy, a comprehensive resource offering practical insights, expert guidance, and actionable knowledge. From onboarding to optimising your card programmes, we support your journey toward payment innovation.
Explore more card options
Enhance your product portfolio with tailored solutions:

Experience our platform first-hand
See Paymentology in action with our self-service demo. Explore the full potential of our platform and discover how it can transform your card-issuing processes.

Developer portal
Dive into the technical side of Paymentology with our comprehensive developer portal. Access detailed documentation, APIs and tools to ensure straightforward integration for your card programmes.
Ready to bring your credit offerings to life?
Start today with a live demo to experience our platform in action or explore the developer portal for technical tools and APIs.
