Deserve offers a vertically integrated, mobile-first credit card platform designed to address the limitations of traditional, rigid systems. Its innovative core processor and re-imagined credit card stack empower financial institutions, fintechs, and brands to launch world-class, scalable, and secure card programs. The platform emphasizes speed and innovation, allowing for faster feature development and updates without inter-company constraints. Key components include a real-time, cloud-native processor, a branded mobile app/SDK, and comprehensive servicing capabilities covering disputes, payment processing, credit bureau reporting, and rewards. Origination tools facilitate underwriting using diverse data sources, while robust KYC, KYB, and fraud controls ensure security and compliance. Deserve's hierarchical ledger provides flexibility for complex lending products, and its multi-tenant SaaS architecture ensures cost-effectiveness, nimbleness, and instant deployment. Open APIs and SDKs further enable seamless integration and custom feature development, supported by private sandbox access and simulators for testing.

Features & Benefits

• Mobile-First Platform: Offers a beautiful, user-friendly mobile experience for cardholders.
• Integrated Core Processor: Real-time, cloud-native processing for enhanced security, smoothness, and features.
• Comprehensive Servicing & Origination: Includes dispute management, payment processing, credit reporting, underwriting, KYC/KYB, and fraud controls.
• Flexible Lending Products: Supports hierarchical ledgers, balance transfers, installment plans, and transaction-based APRs.
• Scalable SaaS Architecture: Nimble, multi-tenant, cloud-native design for quick edits, instant go-live, and cost-effectiveness.
• Developer-Friendly APIs & SDKs: Enables seamless integration, custom feature development, and PCI risk reduction.