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Launch credit platforms, not just credit cards

Legacy banking tech is, to some, slow and, well, a bit rigid...

Our credit-native ledger, PayCredit gives banks and fintechs the power to design flexible, scalable credit products and bring them to market in weeks, not months.

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Deliver scalable  credit programmes, drive financial growth and generate new revenue opportunities

with our advanced platform built for banks, fintechs and everything in between.
We basically built three engines, here’s how they compare:



Core Credit Engine

For Product and Credit Teams

Go from concept to launch-ready in weeks through self-configuration. Less delivery stress, faster revenue. Fewer (if any) all nighters.

Servicing Engine

For Operations and Risk Teams

Free your ops team to focus on the cases that need them. Lower your cost-to-serve with automated servicing and real-time risk controls, while reducing customer frustration and building trust through faster, more consistent resolutions.

Growth Engine

For Growth Teams

Drive new account growth with offers that help cardholders manage cash flow, boosting both acquisition and retention.

What these engines do for cardholder needs

We provide the credit capabilities issuers need to build loyalty, increase engagement and create new revenue opportunities:

 

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Revolving credit

Supports card spend, billing cycles, statements and repayments as the foundation of the full proposition.

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Buy Now, Pay Later (BNPL)

Split payments with instant approvals, built for modern spending behaviour. Drive conversions and give cardholders a payment option that fits how they shop.

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Unified Credit Management

With PayCredit, you get a single rules layer, servicing model and delinquency view. Customers benefit from simplified repayments and consolidated statements, leading to better visibility and cash flow management.

Accelerating Card Programme Innovation

Move away and beyond manual processes with a platform built for transparency and precision. Can your current programme do:

Real-time records

Balances, repayments, and fees all updated instantly. Cardholders and issuers always have the full picture.

Compliant ledger

Increase agility and strengthen compliance control through event-based postings and daily accruals, ensuring accurate balances at all times.

API first foundation

Accelerate time-to-market with an API-first foundation, leveraging APIs and UAT testing to reduce complexity, eliminate delays and speed up deployment.  

Tokenization: credit on any platform

Bring credit into digital wallets with tokenization. Enable Apple Pay, Google Pay, Samsung Pay, and issuer-branded wallets so cardholders can pay how they prefer, and securely.

Track with ease

Real-time repayment tracking with in-wallet controls. Cardholders always know where they stand.

Secure every transaction

Advanced tokenization protects cardholder data at every point of payment.

Modern credit experience

A fast, digital-first credit experience that works the way cardholders expect it to.

Global reach, local expertise

Connected to Visa, Mastercard, and regional networks including SEPA, Mada, and BancNet. Your credit cards work reliably wherever your cardholders are.

The global shift beyond legacy credit

Next-Gen Platforms Bypass Legacy Limits, developed by Datos Insights, with input from Paymentology’s regional teams, explores what’s driving this change and what it means for issuers looking to compete.

Download the report
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Plan a journey to your next level

Do the demo

Try our self-service demo and explore what Paymentology's platform can do for your card programmes. No sales call required.

Try the demo

Go the developers route

Full API documentation, sandbox access, and integration tools. Everything your team needs to get up and running without guesswork.

Start sandboxing

Level up at our Academy

Practical guides, expert input, and actionable knowledge to help you build better card programmes. From onboarding basics to advanced optimisation, The Issuer Academy covers the full journey.

Visit The Issuer Academy
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your own payment
experience

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