Payments & Card Technology
Flexible payments, under your brand
White-label instalment plans, disclosure and servicing — built to deploy under your brand, inside your app.
Instalment plans are standard at Canada’s largest banks. For many issuers they are not — because offering one means credit origination, cost-of-borrowing disclosure and ongoing servicing, not just a new screen.
We build that software, and we build it to carry your brand rather than ours.
What this is
A cardholder sees a purchase on their statement and chooses to pay it over three, six or twelve months. Behind that single tap sits a credit decision, a disclosure the regulator expects, an amortisation schedule, a change to the minimum payment, and a servicing obligation that runs for a year.
We have built that whole path as software an issuer can deploy under its own brand — not a prototype of the screen, the path.
How it deploys
Lead with the embedded module — it creates no conflict with an issuer's existing vendors.
Embedded in your app
Ships as a module inside the banking app your members already use. Your navigation, your design system, your release train. No second app to download and no change to your existing card-management vendor.
Standalone white-label app
A complete iOS and Android application in your brand, for issuers without a mobile surface of their own or who want the programme kept separate.
Hosted web
The same product in the browser, for desktop members and for pilots that need to be live before an app release cycle allows.
What an issuer controls
Configured per programme, not hard-coded — the credit product and the member relationship stay yours.
Pricing
Term lengths, rates and fees, set by you.
Brand
Colours, typography, logo, card art and copy. One configuration file per brand; no forked codebase per client.
Reporting
An operations console for plan volume, balances and member activity.
Built for the Canadian context
Member data is processed and stored in a Canadian region (a Toronto data centre). We work as a technology supplier to Canadian issuers, and our handling of security and member data is set out in full on our Trust & Security page.
Who it is for
Credit unions, card issuers and the processors who serve them. We work as a technology supplier, not as a lender, and not as an issuer. The credit product and the member relationship remain entirely yours.
See it running
We will walk you through a working deployment — plan creation, disclosure, statements and the operations console — on a live build, not slides.