Credit cards

Our credit card solution is designed for a broad audience, including global banks, digital banks, fintechs, lenders, and companies in the crypto and fleet industries. The Episode Six platform's flexibility and scalability make it ideal for both established institutions looking to modernize their offerings and new players seeking to disrupt the market.

With Episode Six, you can create a full range of credit card products to meet diverse cardholder needs. This includes standard consumer credit and business credit cards. You can also build specialized offerings such as charge cards, credit builder cards designed to help establish credit history, and innovative crypto-backed credit products that use cryptocurrency as collateral. The Episode Six platform also supports corporate cards for expense management and revolving credit products.

The key features of our credit card issuing platform are designed to be fast, flexible, and secure. We offer instant issuance of cards in real-time, including virtual cards. The Episode Six platform ensures security with full tokenization and web push-provisioning to easily add cards to digital wallets. You also get real-time approvals and a fully configurable system for setting custom rules, such as rates and billing cycles.

No problem. Our platform supports your chosen credit limit, configurable rewards structures, and flexible interest rates. You have the keys to:

• Real-time credit adjustments based on spending behavior
• Custom rewards (cashback, points, discounts, or crypto rewards)
• Variable APRs depending on creditworthiness or usage patterns

We support a variety of credit card products, including:

• Consumer credit cards (with rewards, cashback, or BNPL features)
• Corporate & business credit cards (with spend controls & reporting)
• Charge cards (no preset spending limit, full balance due monthly)
• Virtual credit cards (single-use or recurring for online purchases)
• Credit builder cards (secured cards with an option to upgrade to unsecured)

Our platform gives you the flexibility to create a custom program that aligns with your business needs.

Our real-time ledger and platform enables real-time transaction approvals to reduce fraud risk, and immediate balance updates for a seamless customer experience. This ensures that your credit card users get fast, secure, and frictionless transactions every time.

Security is at the core of our platform. We provide:

• Tokenization & encryption to safeguard cardholder data
• Fraud detection with real-time alerts
• Virtual cards & dynamic CVV for safer online transactions
• 3D Secure for fraud prevention

Yes, our platform is a comprehensive tool for managing complex revolving credit products. In addition to standard revolving credit, our platform can also support loans on credit accounts and balance transfers. The Episode Six platform handles all the details, including interest accrual, repayment processing, and amortization schedules, so you can focus on building innovative products.

The primary benefit of a configurable platform is that it allows you to create differentiated card products and personalized services that help you stand out from the competition. Instead of being limited by rigid off-the-shelf products, a configurable platform gives you the freedom to innovate and tailor products to the exact needs of your customers. This reduces both the time and cost associated with launching new products.

Yes, our platform is a comprehensive tool that is designed to support balance transfers as a feature of your credit card offerings. This capability is part of our robust support for revolving credit and other digital lending features, which are all managed on a single digital lending platform.

Our platform allows you to set up installment payment options for your credit card products, giving customers more flexibility in how they pay for a purchase. This can include features like Buy Now, Pay Later (BNPL), which automatically splits a transaction into a series of installments and calculates the repayment schedule.