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The freedom to flip

Why carry multiple cards when one can do the job of all? Hybrid cards give cardholders the ability to switch between debit and credit in real-time or create new products with a unique convenience. For banks and fintechs, they’re a way to consolidate products, drive adoption. Give users the ability to  switch between payment types and stand out in a competitive market.

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What hybrid cards
do for your business

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Unmatched versatility

Multiple account types in one card. One product to manage, one product to love.

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Real-time
control

Let cardholders toggle between payment types mid-spend. That’s flexibility that actually means something.

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Future-proof design

Configurable features and a scalable platform that keeps up as cardholder expectations evolve. Build products that keep up with the pace of modern life and then some.

What these cards do for your customers

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Global payment freedom

Integrated multi-currency wallets make cross-border payments straightforward for frequent travellers.

 

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Integrated solutions

Transport payments, government subsidies, healthcare spending — one versatile card handles them all.

Powerful use cases for hybrid cards

Flip debit/credit functionality

Manage funds effectively with real-time switching. Unparalleled financial flexibility, from a single card.

Smart government benefits

Streamline welfare payments and subsidies with precise controls that ensure funds are used as intended.

Agriculture financing

Access financing, manage subsidies, and control spending — all in one place.

Corporate expense management

Prepaid accounts, benefits, and reimbursements integrated into a single card for employees.

Travel and rewards

Multi-currency wallets plus loyalty programmes. A card worth taking on every journey.

Paymentology offers secure transactions, across every mode, every time

Fraud Control Services

Speedy analytics that detect and prevent threats across debit, credit, and prepaid before they occur.

Tokenization

Hybrid cards secured in Apple Pay, Google Pay, and Samsung Pay. Every contactless transaction tokenized.

Layered safeguards

Multi-layered protection at every point of spend, across every account type on the card.

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"We listened to our customers. When we launched Mox Credit, some customers told us they hope to enjoy the flexibility and choice of flipping between debit and credit spending on the Mox Card."

- Deniz Güven, former CEO of Mox Bank

Learn more
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"We listened to our customers. When we launched Mox Credit, some customers told us they hope to enjoy the flexibility and choice of flipping between debit and credit spending on the Mox Card."

- Deniz Güven, former CEO of Mox Bank

Learn more

There’s even more to Paymentology

Real-time data, 120+ lines deep

Rich, layered transaction data gives you unparalleled visibility into your consumer’s spend traffic. Use it to sharpen decisions, improve cardholder experiences, innovate and iterate.

Explore Data Intelligence

Global reach, local expertise

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

Built to scale. Ready for what’s next.

Legacy systems weren’t built for the pace of payments today. Our cloud-native platform is. You get to launch fast, adapt faster, and grow without the hassle.

Elevate your expertise with The Issuer Academy

Practical insights, expert guidance, and actionable knowledge — from onboarding through to programme optimisation. We’re with you at every stage.

Visit The Issuer Academy
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your own payment
experience

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