Card Issuing & Processing

Issue, Process & Control Cards All From One Infrastructure

Stop toggling between vendors. Qolo gives you a single, fully native platform from card issuance and processing to funds management. Unlock programmable flows, real-time logic and complete control.

Stitching Vendors Takes Time, Creates Blind Spots & Erodes Control

Issuing cards is just the beginning, but piecing together standalone processors, ledgers and control engines creates headaches.

Here’s the reality of fragmented systems:

Latency Creeps Up

Your customers feel it. Your processes slow down.

Reconciliation Gets Messy

Manual workarounds multiply and errors sneak in.

Data Sits in Silos

Which means missed opportunity and a fractured customer experience.

Say goodbye to patchwork. Say hello to simplicity.

One Platform. Native Issuing & Processing. Total Control

Qolo powers superior card programs with features competitors can’t match:

Native Issuing and Processing

Unlike competitors that bolt on processing, Qolo handles both with a unified flow and lower latency.

Programmable Controls and Logic

Set authorizations, limits and rules that adapt in real time – no middleware necessary.

Real-Time Fund Management

Directly connect issued cards to our programmable ledger for automated visibility and reconciliation.

Developer-First APIs

Sandbox testing, clear documentation and flexibility designed for engineers who want to build powerful, connected systems.

Capabilities That Drive Results

Virtual & Physical Cards

Launch beautifully branded cards instantly and provision dynamically for virtual use.

Dynamic Spend Controls

Define rules like MCC restrictions or time-based limits directly in the authorization path.

Instant Funding & Settlement

Real-time funding from your virtual ledger eliminates delays and keeps reconciliation seamless.

Card Lifecycle Management

From issuance to expiration, manage it all with flexible APIs.

Tokenization & Wallets

Easily integrate with Apple Pay, Google Pay and Samsung Pay for a frictionless user experience.

Why Qolo Stands Out

Eliminate Sprawling Vendors

Manage cards, authorizations and funds without plugging in multiple providers.

Real-Time, Embedded Control

Tie every card and every transaction to your programmable ledger and workflow.

Designed for Innovators and Institutions

Developer-friendly APIs match the agility of fintech favorites but with the compliance and trust of enterprise solutions.

Scale Without Complexity

Issue, process, control and fund – all in one native system built to grow with you.

Success Stories

See how Super.com redefined the norm with the launch of their secured credit card

Wolfe replaced their fragmented systems with Qolo’s unified solution and got to market faster.

Build Card Programs That Work on Your Terms

From issuing to reconciliation, Qolo’s all-in-one platform puts you in complete control.