Best Modern Card Issuing Companies

FIS (NYSE: FIS) operates as a financial technology company. It offers a range of solutions such as managing customer communications, managing cash flow and capital, optimizing operations, controlling risk, and more. The company serves retail, healthcare, financial institutions, and other industries. It was formerly known as Systematics. It was founded in 1968 and is based in Jacksonville, Florida.

Fiserv operates as a global financial technology and payments company. The company provides solutions for banking, global commerce, merchant acquisition, billing and payments, and point-of-sale. It helps businesses to accept payments, and manage their finances. It offers solutions for financial institutions, the public sector, large and small enterprises, and more. It was founded in 1984 and is based in Milwaukee, Wisconsin.

Solaris is a technology company specializing in embedded finance solutions within the banking sector. The company provides a banking-as-a-Service platform that enables businesses to integrate digital banking, payment, and lending services into their products. Solaris primarily serves industries that require embedded financial services, such as the travel and mobility sectors. Solaris was formerly known as Solarisbank. It was founded in 2016 and is based in Berlin, Germany.

Apto is a financial technology company that operates in the cards and payments industry. The company provides a platform that enables businesses to design and launch card programs, including physical debit cards, virtual cards, corporate cards, and crypto cards. Apto primarily serves the fintech industry. Apto was formerly known as Shift Payments. It was founded in 2014 and is based in San Francisco, California.

Enfuce offers a platform that handles various card issuing and payment processing aspects, including debit, credit, and prepaid cards. The platform also provides features such as digital wallets, advanced spend controls, and fraud and dispute management. Enfuce primarily serves sectors such as banking, digital banking, fintechs, and nonprofits & governments. It was founded in 2016 and is based in Espoo, Finland.

Lithic is a financial technology company specializing in card issuing services for developers within the payment processing industry. The company offers a platform for issuing virtual, physical, and tokenized cards, along with features such as authorization stream access, automated reconciliation, and risk management tools. Lithic's solutions cater to various sectors including digital banking, expense management, and rewards & incentives programs. Lithic was formerly known as Pay with Privacy. It was founded in 2014 and is based in New York, New York.

Marqeta specializes in modern card issuing and payment solutions within the financial technology sector. The company offers a platform that enables businesses to issue debit, credit, and prepaid cards, as well as integrate digital wallets and tokenization, with a focus on dynamic spend controls and Just-in-Time funding. Marqeta's services cater to various sectors including digital banking, online marketplaces, and on-demand services. It was founded in 2010 and is based in Oakland, California.

Productfy is a platform specializing in the embedding of financial products within various business sectors. The company offers a suite of services including branded card programs, digital banking solutions, secured charge card issuance, and disbursement mechanisms, all designed to be integrated seamlessly into clients' applications. Productfy primarily serves sectors such as community banks, credit unions, real estate, financial services, and insurance. It was founded in 2018 and is based in San Jose, California.

Synchrony specializes in consumer financing solutions and is an issuer of retail credit cards. The company offers a range of products including promotional financing, healthcare financing, savings accounts, money market accounts, and certificates of deposit. Synchrony provides payment options and credit card rewards, catering to both individual consumers and businesses with financing tools and savings products. Synchrony was formerly known as GE Capital Retail Finance. It was founded in 1932 and is based in Stamford, Connecticut.

Thredd specializes in payment processing solutions within the financial technology sector. The company offers card issuance, payments processing, card controls, and risk and fraud management services. Thredd primarily serves businesses in the digital banking, consumer payments, and business payments sectors. It was founded in 2007 and is based in London, England.

Unit develops financial infrastructure for banking and lending solutions. The company offers a platform that enables technology companies to build banking and lending products, including features such as bank accounts, physical and virtual cards, payments, and lending services. Its dashboard and suite of application programming interface (API), software development kit (SDK), and white-labeled user interface (UI) enable developers to build financial features into their products. It was founded in 2019 and is based in New York, New York.