Debit cards

Our platform provides a modern solution for businesses to issue and manage various debit card programs by offering a highly configurable and flexible infrastructure. This enables customers to offer a wide variety of card products that provide convenience and security for their customers, all powered by a single, real-time platform.

Our flexible APIs allow you to design a card program that fits your business model. You can issue a variety of debit card products, including:

• Consumer debit cards (linked to bank accounts or wallets)
• Corporate expense cards (with spending limits and category controls)
• Gig worker payout cards (instant access to earnings)
• Prepaid debit cards (reloadable or single-use)

Our cloud-native platform enables instant debit card issuance, whether physical or virtual. You can provision cards in real-time via API, push them to digital wallets, or issue physical cards with just-in-time printing and shipping.

Yes! Our platform allows you to set programmable spending rules based on merchant category, transaction limits, time of day, or location. You can also enable real-time transaction approvals to prevent fraud and block purchases that don't align with corporate spend policies.

Our cloud-native, real-time ledger ensures that every transaction is processed instantly. This allows for real-time balance updates, instant fraud detection, and immediate transaction approvals—critical for businesses that need speed and reliability. If you have your own ledger, or use another—no worries. With cooperative authorization, we can work seamlessly with your existing ledger.

We use advanced security features such as:

• Tokenization & encryption to protect cardholder data
• Real-time fraud monitoring with customizable alerts
• Dynamic CVV & virtual cards for enhanced security
• 3D Secure & biometric authentication for online purchases

Our infrastructure is designed for maximum security and compliance, ensuring your debit card programs are safe, scalable, and
future-ready.

The Episode Six debit card platform provides reliability, stability, and enhanced security. It is built with an active-active architecture to ensure continuous availability and avoid downtime. The Episode Six platform also allows you to add extra benefits, like rewards or interest, to your debit card programs to increase customer engagement. The Episode Six platform’s hyper-configurable nature makes it easy to quickly build market-leading products and adapt to customer needs. 

A cloud-native ledger is a core financial system built specifically to operate in the cloud, and it provides instant transaction processing and real-time data updates. This is crucial for debit card operations because it enables immediate balance updates and real-time fraud monitoring. Unlike traditional systems that process transactions in batches at the end of the day, a cloud-native ledger ensures that your available funds are always accurate, which is essential for preventing overdrafts and providing a seamless customer experience.

Yes, our platform allows you to add extra benefits like rewards to your debit card programs to increase customer engagement. The rewards add-on is highly configurable and allows you to define earning rules based on a variety of factors, such as MCC code, Merchant ID, or even spending tiers. You can also control which products customers can earn and redeem rewards on, such as applying cashback to an interest-bearing account. 

Our modern, cloud-native platform offers greater flexibility, real-time capabilities, and enhanced security compared to outdated legacy systems. Once you're live on our system, the Episode Six platform's modular and API-driven architecture allows for a faster speed to market and gives you the power to configure new products and make changes in minutes, not months or years.

Yes, our platform can be used to create and manage benefit cards for government programs, providing a secure and efficient way to disburse funds. The Episode Six platform's capabilities have been assessed by programs like Visa Ready for Government Disbursements, which evaluates a provider's ability to meet government requirements. Our configurable solutions and security features are well-suited to handle the specific needs of these programs, including disbursement to vulnerable populations.