CARD ISSUANCE MADE SIMPLE

Qinetic Issuing

Launch and scale debit, prepaid, and credit programs effortlessly while having seamless access to Visa, Mastercard, Discover, and major debit networks. Dynamic, real-time funding paired with auto-reconciliation simplifies transaction execution and tracking - Qolo's Qinetic Issuing gives you total control over every dollar in your system.
ULTIMATE FLEXIBILITY

B2X payments simplified

From giving freelancers financial flexibility with instant access to their earnings to launching branded prepaid cards for retail loyalty programs, Qolo allows you to meet every customer demand.
HASSLE-FREE COMPLIANCE

Smooth operations

Imagine if managing high-volume or complex payment flows wasn’t a headache. Where transactions flow seamlessly from authorization to funding to settlement, and funds are accounted for to the penny. That’s Qolo’s Qinetic Issuing.

Flexible funding

Optimize capital by either funding instantly at the time of each transaction, pre-funding accounts, or funding from a credit ledger.

Connectivity to the major networks 

Directly connect with 11 card networks, including Visa, and Mastercard. Discover a variety of traditional and surcharge-free debit networks. 

Program management & processing

Pick the operating model that’s right for you with either Qolo program management, or pure processing services.

Proven track record

Qolo's reliability has been proven across multiple high-volume programs, while our industry-unique, 100% cloud-based platform ensures we can scale to meet the demands of any sized customer.
RETAIN CONTROL

Sparq 

Qinetic Issuing lets you retain control over transaction approvals while leveraging Qolo’s infrastructure. Customize transaction decision-making according to your unique business rules, and optionally determine which ledger account will fund each transaction.

Customer testimonials

The success of our business is testament to their robust infrastructure, advanced technology, and unwavering commitment to excellence.”

Jason Wolfe

Jason Wolfe
CEO of Wolfe

With Qolo’s cutting edge technology,  we are able to deliver help when it's needed quickly, in the most secure way. There are many uncertainties in our industry, we are lucky to have found Qolo as our payment partner. They give us tremendous peace of mind.”

Kirsten Trusko

Kirsten Trusko
‍CEO and Co-Founder of Payments as a Lifeline

Qolo is a tremendously valuable partner to us in building and scaling our Virtual Account Management solution over the last few years. They deliver high-quality software as well as quick and detailed service. We were true partners in collaborating and brainstorming to deliver new payment flows and technology capabilities. Qolo is a partner that I look forward to working with for years to come.”

Bennie Pennington

Bennie Pennington
SVP of Embedded Banking at KeyBank

We had complex and challenging problems that required a custom solution. Qolo was able to offer us a tailored and innovative approach. They worked closely with us to understand our needs and implement them successfully.”

Joshua Bagley
CEO of Bluebanc

This level of responsiveness has been instrumental in maintaining our competitive edge and delivering exceptional service to our customers.”

Jason Wolfe

Jason Wolfe
CEO Founder of Wolfe

Customer testimonials

The success of our business is testament to their robust infrastructure, advanced technology, and unwavering commitment to excellence.”

Jason Wolfe

Jason Wolfe
CEO of Wolfe

With Qolo’s cutting edge technology,  we are able to deliver help when it's needed quickly, in the most secure way. There are many uncertainties in our industry, we are lucky to have found Qolo as our payment partner. They give us tremendous peace of mind.”

Kirsten Trusko

Kirsten Trusko
‍CEO and Co-Founder of Payments as a Lifeline

Qolo is a tremendously valuable partner to us in building and scaling our Virtual Account Management solution over the last few years. They deliver high-quality software as well as quick and detailed service. We were true partners in collaborating and brainstorming to deliver new payment flows and technology capabilities. Qolo is a partner that I look forward to working with for years to come.”

Bennie Pennington

Bennie Pennington
SVP of Embedded Banking at KeyBank

We had complex and challenging problems that required a custom solution. Qolo was able to offer us a tailored and innovative approach. They worked closely with us to understand our needs and implement them successfully.”

Joshua Bagley
CEO of Bluebanc

This level of responsiveness has been instrumental in maintaining our competitive edge and delivering exceptional service to our customers.”

Jason Wolfe

Jason Wolfe
CEO Founder of Wolfe

MULTI CARD SUPPORT

Awaken your cards

Instantly issue physical or virtual cards to meet demand, and fund them in real-time with our Qinetic Issuing embedded processing functionality. From corporate expense programs to accounts payable, earned wage access (EWA), and lending solutions, our card issuing is tailored to seamlessly support diverse verticals.

Debit

Whether providing immediate access to earnings for employees, or meeting demands of commercial programs, debit cards provide businesses with multiple payment options.

Prepaid

Single-load prepaid cards for gifts, incentives and corporate disbursements provide a modern means of distributing funds.

Credit

Deliver customer-centric credit and charge cards designed to align with your engagement goals. Qolo’s robust platform offers unparalleled flexibility for diverse credit functionalities, all in one easy-to-use system.
REAL-TIME FUNDING

An easier way to issue and manage cards

Qolo’s Qinetic Issuing is your gateway to transparent fund tracking, real-time funding, and effortless compliance across B2B and B2C payment solutions.
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