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EMBEDDED LEDGER | CARD ISSUING | B2B MONEY MOVEMENT

The Payments Infrastructure Platform for
Banks and Fintechs

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.

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Goodbye Chaos, Hello Control

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.

Goodbye Chaos, Hello Control

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.

OUR PROMISE

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.

What Sets Qolo Apart

Built for Innovation

Designed from the trenches of payment and banking experience, Qolo cuts the time spent patching together fragmented systems and gets you to market faster.

Real-Time Insights, Every Time

Get complete visibility into your financial operations with no delays, guesswork or unexpected surprises. Monitor your finances in real-time, streamline processes and make informed decisions with confidence.

Flexible by Design

Integrates seamlessly with your existing systems with a single API. No core system replacement, no disruption, just smarter financial infrastructure.

How Qolo Works

01

Virtual Account Management

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 with Virtual Account Management.

02

Card Issuing & Processing

Issue physical or virtual cards instantly. Configure spend controls, custom authorization logic, and real-time reporting through a single card issuing and processing API.

03

Embedded Ledger Infrastructure

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.

04

B2B Money Movement

Automate payment flows across ACH, wires, RTP, and card. Add programmable treasury logic, interest management, and compliance controls — all through one platform.

Discover our solutions

Trusted by Banks and Payment Innovators

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

The success of our virtual account management solution wouldn’t have been possible without Qolo’s expertise and hands-on support. They’re true partners.”

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

FAQs

What is Qolo's payment infrastructure platform?
Qolo is a payments infrastructure platform for banks, fintechs, and payment innovators that unifies embedded ledger capabilities, card issuing and processing, money movement, and virtual account management in one system. Instead of stitching together separate providers for cards, rails, and ledgering, teams can manage payment programs through one platform and simple APIs. That gives organizations real-time visibility, stronger operational control, and a faster path to launch without replacing existing core infrastructure.
Qolo is built for commercial banks, fintechs, payment providers, vertical SaaS companies, and other payment innovators that need modern infrastructure to move money, issue cards, manage virtual accounts, and automate reconciliation. The platform is designed for organizations that want real-time control and visibility without relying on fragmented vendor stacks. In practice, that means Qolo fits both banks modernizing treasury and payment capabilities and platforms building embedded financial experiences at scale.
Qolo is designed as a unified infrastructure, not a patchwork of disconnected payment tools. Rather than forcing customers to manage separate vendors or rely on a middleware layer between the bank and the product experience, Qolo brings ledgering, card issuing, money movement, and account controls into one platform. The advantage is tighter integration, fewer operational handoffs, and better real-time visibility across the full payment lifecycle.
No. Qolo is designed to layer on top of existing bank infrastructure, not replace it. The platform adds modern capabilities such as virtual account management, embedded ledgering, multi-rail money movement, and embedded card programs without requiring a full core migration. That allows banks to modernize payment operations, improve treasury functionality, and launch new services faster while minimizing disruption to existing systems and workflows.
Qolo helps organizations replace fragmented payment stacks with one integrated platform. Many banks and B2B platforms still rely on separate providers for card issuing, money movement, and ledgering, which creates reconciliation gaps, slower launches, and added operational complexity. Qolo combines embedded ledger infrastructure, card issuing and processing, money movement, and virtual account management in one system, giving teams a simpler operating model and real-time visibility across every payment flow.
Embedded finance refers to the integration of financial products such as payments into non-financial platforms. A logistics company that issues payment cards to drivers, a B2B SaaS platform that manages supplier disbursements, or a marketplace that settles seller earnings in real time are all examples of embedded finance. Qolo provides the infrastructure layer for embedded payments and card programs: the ledger, card issuing, and money movement capabilities that allow non-bank platforms to offer financial products without building the underlying infrastructure themselves.
No. Qolo is not a bank and is not a BaaS middleware provider. Qolo is a payments infrastructure company. We do not hold deposits or have a banking license. We provide the technology infrastructure that banks and platforms use to run card programs, manage virtual accounts, and orchestrate payments.

Ready to Modernize Your
Payments Infrastructure?

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.

Talk to our team