Move money, issue cards and manage virtual accounts – all from a single real-time embedded ledger. Qolo delivers the infrastructure to launch, scale and control modern payment programs without replacing core systems.
Most banks and B2B platforms are running payment programs on a patchwork of vendors — a separate card issuer, a different money movement provider, a ledger bolted on as an afterthought. It creates reconciliation errors, slow launches, and operational drag your team absorbs every day. Qolo was built to replace that complexity with a single embedded ledger platform that handles card issuing and processing, B2B money movement, and virtual account management — all in real time, all in one place.
Disorganized payment systems, slow processes and fragmented tools are holding your business back. Qolo gives you a real-time, programmable ledger embedded in a modern issuing and processing stack that simplifies operations, boosts efficiency and scales with your growth.
One platform, no vendor patchwork.
Qolo consolidates your embedded ledger, card issuing and money movement into a single solution. One API, one team that knows your business.
Get to market faster with improved time to value.
Legacy infrastructure slows you down. Qolo gives you a modern integrated stack so you go from contract to live without a two-year implementation.
Real-time control over every dollar.
Blind spots in your ledger costs you. Qolo gives you real-time clarity across every virtual account, payment rail and transaction.
Designed from the trenches of payment and banking experience, Qolo cuts the time spent patching together fragmented systems and gets you to market faster.
Integrates seamlessly with your existing systems with a single API. No core system replacement, no disruption, just smarter financial infrastructure.
Create, nest, and control virtual accounts at scale. Segment funds, automate sweeps, and give each program, client, or sub-account its own real-time balance and transaction history.
Issue physical or virtual cards instantly. Configure spend controls, custom authorization logic, and real-time reporting through a single card issuing and processing API.
A real-time ledger at the core of your stack. Nest virtual accounts, automate reconciliation, and manage liquidity across unlimited account hierarchies — without touching your core banking system.
Automate payment flows across ACH, wires, RTP, and card. Add programmable treasury logic, interest management, and compliance controls — all through one platform.
Qolo’s robust card issuing infrastructure and advanced technology have been instrumental in scaling our payments platform. They’ve made complex workflows simple and actionable.
Jason Wolfe, CEO of Wolfe
Bennie Pennington, SVP of Embedded Banking at KeyBank
With Qolo, we’re able to deliver seamless, secure payments at lightning speed. Their platform gives us confidence in a very uncertain industry.”
Kirsten Trusko, CEO and
Co-Founder of Payments as
a Lifeline
Whether you’re a commercial bank launching a new payment program or a B2B platform adding card issuing and virtual account management — Qolo gives you the infrastructure to move fast and scale confidently.
