Modern Payment Card Issuing for Banks and Fintechs

Corserv Credit Card Issuer Software graphic

CorServ provides innovative payment card issuing, processing, and program management services enabling banks and fintechs to deliver and embed credit, debit, and prepaid card capabilities for their customers. Our deep expertise in the industry combined with modern technology API solutions provide our clients with everything they need to quickly build a successful credit card issuing business.

CorServ’s Payment Card Programs Serve a Variety of Diverse Clients:

For Banks:

Seeking a better alternative to an Agent Bank program?

Rapidly deploy in 90 days with optimized credit card portfolio.

Turnkey Credit Card Issuing Program:

Payment card issuing for Commercial, Small Business, & Consumer customers in 90 days without adding staff or infrastructure. You participate in credit decisions and own the P&L for your cardholders. Realize an average ROA of over 6%.

Turnkey Solutions

For Banks:

Evaluating Direct Issuer programs?

Fully customize your credit card program leveraging our platform and expertise.

Direct Credit Card Issuing Program:

Partner with us to configure your custom payment card issuing program for Commercial, Small Business, or Consumer customers from our existing base of features, card products, compliance, security, and servicing.

Direct Issuing

For Fintechs:

Building innovative card issuing solutions?

Customize and embed payment cards with our Payment Cards as a Service APIs. (PCaaSA)

Payment Cards as a Service APIs (PCaaSA):

Use APIs to build custom credit, pre-paid, & debit solutions for Door Delivery, Buy-Now-Pay-Later, Neobanks, Expense Management, Healthcare, Wealth Management, Payroll, Business Lender Insurance and more.

PCaaSA

Latest CorServ News:

CorServ Blog

May 29, 2025

The Strategic Case for Owning (Not Outsourcing) Your Credit Card Portfolio

In today’s competitive financial environment, community banks constantly seek ways to deepen relationships, grow revenue, and deliver higher value to their customers and markets. One…

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Press Releases

May 15, 2025

First Business Bank Partners with CorServ for Improved Credit Card Issuing to Commercial Customers

ATLANTA, May 15, 2025 – CorServ, a company that enables banks and fintechs with payment card programs, is partnering with First Business Bank to launch…

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Awards Press

May 13, 2025

Atlanta-Based CorServ Named a Best Place to Work in Fintech by American Banker

ATLANTA, May 13, 2025 – CorServ, a company that enables banks and fintechs with credit card issuing programs, was honored as a top 10 Best…

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CorServ Blog

May 1, 2025

BNPL vs Credit Cards: Instant Gratification vs Long-Term Financial Tools

Over the past few years, Buy Now, Pay Later (BNPL) has exploded in popularity, showing up on checkout pages from fashion retailers to grocery stores.…

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See CorServ in the Media:

aba-the-american-bankers-association-transp

Some of Our Successful Clients:

“

CorServ’s commercial card program equips us with compelling card options, a powerful self-service interface for company administrators to manage their cards, and personalized rebate options for businesses.
Eva RasmussenChief Strategy Officer, Northeast Bank

“

After searching the market, we found that CorServ uniquely provided us with the card products, control over credit decisioning, options for local servicing, and custom rebates that enable Avidbank to better serve our commercial customers than national card issuers can.
Art WassonExecutive VP, Treasury Management Services, Avidbank

“

We discovered CorServ offers distinct advantages by allowing us to better serve our customers with a variety of card products, participation in credit decisioning and options for local servicing.
Shannon FortsonExecutive VP & Chief Credit Officer, Pinnacle Bank

“

CorServ’s commercial card program provides us with tools for credit decisioning, options for local servicing, and custom rebates which empower Busey Bank to better serve our commercial customers compared to what national card issuers can offer.
Andy SantangeloExecutive VP and Director of Treasury Management, Busey Bank

“

With CorServ’s modern commercial credit card program, we will truly be able to provide industry-leading commercial, purchasing, and virtual cards for our commercial customers.
Mike HeilExecutive VP, Commercial Lending, Scale Bank

“

CorServ’s account issuer program gives us the ability to own the credit card profits and losses and participate in the credit decisions for our customers since we know them best.
Erin ErhartDirector of Product, First Bank

Bankers' Bank partners with Corserv for Prepaid card issuing

What CorServ Offers:

Leverage our four decades of experience in payment card issuing reinvented
into a modern technology and services platform.

Card Product Configuration & Tokenization

Cooperative Underwriting & Authorizations

Issue Physical & Virtual Cards with Alerts, Controls & Instant Funding

Robust Reporting: Transaction, Statement, & Program Data

White Label Cardholder & Admin Interfaces

Payments, Settlement, Fraud Control & KYC

Manage Rewards, Disputes & Chargebacks

Learn More About CorServ's Platform

Embed Payment Card Issuing into Your Innovation:

Door Delivery
Buy-Now-Pay-Later
Neobank
Expense Management
Healthcare
Wealth Management
Payroll
Business Lender
Insurance

Access Open CorServ APIs Here

Learn More About PCaaSA

CorServ’s Scale + Flexibility:

Experience a modern payment card issuing program with the scale and flexibility to meet your market needs.

Work with an issuer processor that allows more control over your card issuing program
Secure, hosted, redundant, scalable private cloud environment
Bring your own BINs and custom card products, or share BINs, and pre-defined card products
Leverage a Sponsor Bank
Jumpstart with compliance, credit policy, and correspondence templates
Support sub-entities and co-brands
Powerful self-service features for commercial, business, and consumer customers
Outsource services or bring your own (customer support, fraud investigation, collections, disputes, chargebacks, ACH, Lockbox)

Select from CorServ’s Robust Payment Card Products:

Learn More About CorServ's Innovative Payment Card Products

Discover the Opportunity in Commercial Payment Cards:

High Interchange

Low credit losses

Multi-tier Company Hierarchies
Extensive Spend Controls
Expense Reporting
Company & Employee Credit Limits
Custom Rebates

Plastic Cards for Employee Expenses

Fleet Cards

Virtual Cards for AP Invoices

Multi-use Ghost Cards for Preferred Vendors

Hear What Some of Our Clients are Saying:

“Sam Lisker, SVP American Bankers Association, discusses with Matt Clements, SVP Colombia Bank, the strategy behind their business credit card launch with CorServ.”

Hear the Podcast

“Commercial card technology remains an important component of B2B payments digitization — and as more financial institutions (FIs) seek to help their business customers embrace electronic payments, their corporate card offerings have had to step up to add value in new ways.”

Read the Article

“PMNTS.com discusses with Matt Walsh, EVP and CFO of Machias Savings Bank, their partnership with CorServ to compete with larger banks in Commercial Credit Cards.”

Read the Article

Modern Payment Card Issuing for Banks and Fintechs

For Banks:

Seeking a better alternative to an Agent Bank program?

Rapidly deploy in 90 days with optimized credit card portfolio.

Turnkey Credit Card Issuing Program:

For Banks:

Evaluating Direct Issuer programs?

Fully customize your credit card program leveraging our platform and expertise.

Direct Credit Card Issuing Program:

For Fintechs:

Building innovative card issuing solutions?

Customize and embed payment cards with our Payment Cards as a Service APIs. (PCaaSA)

Payment Cards as a Service APIs (PCaaSA):

The Strategic Case for Owning (Not Outsourcing) Your Credit Card Portfolio

First Business Bank Partners with CorServ for Improved Credit Card Issuing to Commercial Customers

Atlanta-Based CorServ Named a Best Place to Work in Fintech by American Banker

BNPL vs Credit Cards: Instant Gratification vs Long-Term Financial Tools

Leverage our four decades of experience in payment card issuing reinvented into a modern technology and services platform.

Embed Payment Card Issuing into Your Innovation:

Door Delivery

Buy-Now-Pay-Later

Neobank

Expense Management

Healthcare

Wealth Management

Payroll

Business Lender

Insurance

Experience a modern payment card issuing program with the scale and flexibility to meet your market needs.

Secure, hosted, redundant, scalable private cloud environment

Bring your own BINs and custom card products, or share BINs, and pre-defined card products

Leverage a Sponsor Bank

Jumpstart with compliance, credit policy, and correspondence templates

Support sub-entities and co-brands

Powerful self-service features for commercial, business, and consumer customers

Outsource services or bring your own (customer support, fraud investigation, collections, disputes, chargebacks, ACH, Lockbox)

High Interchange

Low credit losses

Multi-tier Company Hierarchies

Extensive Spend Controls

Expense Reporting

Company & Employee Credit Limits

Custom Rebates

Plastic Cards for Employee Expenses

Fleet Cards

Virtual Cards for AP Invoices

Multi-use Ghost Cards for Preferred Vendors

Hear What Some of Our Clients are Saying:

Recent CorServ Awards:

Leverage our four decades of experience in payment card issuing reinvented
into a modern technology and services platform.