Discover our Cards as a Service solution for banks and Fintechs but also retailers, telcos, mobility companies and HR service providers, etc.
Issue branded debit, credit and prepaid cards for private and business clients, eliminating legacy system limitations.
Pain point: Friction in business processes and unnecessary manual labor
Our solution: Fully embedded processes through modern APIs
Pain point: Additional onboarding with a third-party and hence loss of client interface
Our solution: Retention of client interface without additional onboarding
Pain point: Slow issuing process
Our solution: Instant issuing for virtual cards
Pain point: Limited visibility of transactions especially in real time
Our solution: Full visibility of transactions in real time
Pain point: Curtailed ability to support cardholders when questions or challenges arise, limited control and flexibility for cardholders
Our solution: Full support for cardholders possible when questions or challenges arise, full self-service control and flexibility for cardholders
Pain point: Limited visibility of cardholder behavior, one size fits all offering
Our solution: Holistic visibility of cardholder behavior with opportunity for advanced data analytics, bespoke offering
Risk Management, Fraud Prevention and Compliance: Full provision of FINMA-compliant risk, fraud, and compliance suite
Running the Tech Platform: In-house maintenance of modern real-time tech platform for maximum flexibility
Exactly the repayment option an institution or business wants to provide to its cardholders: Credit (pay after purchase), Debit (pay during purchase), and Prepaid (pay before purchase)
Customized customer value-added services as well as loyalty solutions
Offer of cards cards to both private and business cardholders, exactly as desired
Flexible definition of the card’s reach, either worldwide through YAPEAL’s principal Visa license (open loop), or limited to a particular environment (closed loop)
Backing of the card through either Fiat or Non-Fiat assets (e.g., gold, crypto)
Flexible form factor virtual, physical or combined
Provide your clients with real-time issuance of credit, debit, and prepaid cards fully integrated into your ecosystem. Instantly increase or decrease card limits, activate specific features, and offer different card types tailored to your clients’ needs, all managed dynamically and in real time.
Instant virtual card issuance
Real-time limit adjustments
Customizable card features
Multiple card types for different user segments
Create a seamless, value-driven card experience that strengthens your customer relationships and increases retention. By integrating rewards, cashback, or subscription-based benefits into a fully branded card program, you gain a more holistic view of customer spending behavior while delivering meaningful added value.
Rewards, cashback, or subscription-based benefits
Fully branded card experience
Increased customer loyalty and retention
Deeper insights into customer spending behavior
Swibeco was looking to scale and evolve its Flexible Benefits ecosystem as part of their offering to companies that wish to enhance employee satisfaction and reduce HR complexity. As many company setups mean juggling multiple cards or employees waiting weeks for activation.
Thanks to YAPEAL’s Cards as a Service platform, Swibeco can offer companies a single card that integrates multiple budgets. YAPEAL’s user-friendly APIs allowed Swibeco to integrate the solution in record time. Employees thus receive their card instantly and can start using their benefits right away, wherever they are.
For HR teams, this now means less admin, automatic updates and a clear overview of all benefits. For employees, it means freedom of choice, instant use and a smooth, modern payment experience.
At Swibeco, we constantly seek ways to simplify and enhance employee Flexible Benefits. With YAPEAL, we bring embedded finance into HR, setting a new standard for flexibility and engagement.
Ivan Brustlein
Founder & CEO at Swibeco
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Accounts |
Cards |
Payments |
Identification / KYC |
Monitoring & reporting |
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Cards as a Service |
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Learn more about our Cards as a Service solution
YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.
We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.
YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank. Disclaimer: Deposit protection according to Art. 7a BankV is not guaranteed.