Product Customization

Clients can configure multiple unique credit card products with tailored pricing policies, including credit score tiers, fees (annual, APR, transaction), and line assignments.

Application Journey

End-to-end guided process, starting with OTP verification and progressing through applicant information collection, fraud screening, compliance checks, and terminal outcomes (approval, decline, expiration, or withdrawal).

Integration and Branding

Fully customizable application and email templates, allowing client-defined logos, credit card artwork, primary colors, and branding details.

Compliance and Risk Management

• Pre-configured eligibility and credit knockout rules using data from TransUnion, Experian, and LexisNexis.
• Fraud detection and risk segmentation via proprietary fraud models and third-party integrations like ComplyAdvantage and Neustar.
• Automated workflows for Know Your Customer (KYC) and Know Your Business (KYB) checks, with manual fallback options for unresolved verifications.

Approval Workflow

Applicants receive conditional approval with detailed offer information, including credit limits, APR, fees, and disclosures.

Authorized Users

Option to add up to five additional users, requiring personal information and compliance screening.

Communication

Preconfigured applicant-facing and agent-facing email templates, customizable for action alerts and branding consistency.

AI Policy Optimizer

• Generate credit pricing and fraud rule recommendations in real time without the need for large data science teams.
• Credit and fraud teams can accept or reject suggestions and follow established change governance processes.