Virtual Card Solution

Literally any loan deployed Virtually anywhere

Easily scale your merchant portfolio and lending at any point of sale with our white-labeled virtual card solution. 

Zero integration required.

How the magic happens

1

Customer applies for financing, gets approved in real-time, and is immediately issued a virtual card that completes the transaction and disburses the funds.

2

The funds are seamlessly transferred from the lender to the merchant leveraging existing payment rails.

3

The customer repays the lender directly according to the financing terms.

Key features of our Virtual Card Solution

Launch solution within days

White-labeled

Omnichannel

Supports all B2C & B2B loan types

Zero integration required

Usable across various brands/stores

Innovative wallet provisioning

BAU with zero reconciliation

Iron-clad safety measures

You hold all the cards

Want to restrict card usage to a specific vertical, merchant, chain or even location?

Want to limit usage to a set time frame or amount?

Or prefer to open it up?

Your virtual cards can be private label, “restricted” open loop or open loop. 

You decide.

Create seamless in-store experiences

While PKE (manual entry) is an option, waiting for a cashier to manually type out card numbers can be a real bottleneck. With our virtual card tools, payment is as fast and seamless as with a credit card payment.

Digital Wallet Web Provisioning

Customers can simply add their virtual card to their Apple Wallet or Google Wallet directly through their financing web application and ‘tap to pay’. No app download needed.

QR Code Payments

Customer has no digital wallet?
No problem. Shoppers can receive a virtual card as a QR Code on their mobile, which they simply scan to pay at the cashier.

Why work with Jifiti

You give the credit. You get all the credit.

The virtual card is white-labeled and branded for you as the lender, the merchant or both. 

Standalone or part of embedded lending solution

Just need a virtual card solution? No problem!
Want a full embedded lending offering? You’ve got it!

Quick go-to-market

No integration means the launch is quick, scaling is easy and it’s business-as-usual for the merchant.

Need to expedite a launch for a time-sensitive client?
Our zero-integration virtual cards enable a super-fast phase 1 launch, often even with no need for phase 2.

 

100% secure

Our technology is built on the world’s most trusted payment rails.

Supports every B2C & B2B financing option

Whether you’re offering an installment loan, working capital or line of credit, we’ve got you covered.

Real-time virtual issuance

Card is issued at the moment of approval and sent to the customer for immediate transaction.

Depending on your needs, either you can be the issuer or the card issuing can be done through a BIN sponsor. Jifiti can serve as both the issuer and card program manager.

Why work with Jifiti

You give the credit. You get all the credit.

The virtual card is white-labeled and branded for you as the lender, the merchant or both. 

Standalone or part of embedded lending solution

Just need a virtual card solution? No problem!
Want a full embedded lending offering? You’ve got it!

Quick go-to-market

No integration means the launch is quick, scaling is easy and it’s business-as-usual for the merchant.

Need to expedite a launch for a time-sensitive client?
Our zero-integration virtual cards enable a super-fast phase 1 launch, often even with no need for phase 2.

100% secure

Our technology is built on the world’s most trusted payment rails.

Supports every B2C & B2B financing option

Whether you’re offering an installment loan, working capital or line of credit, we’ve got you covered.

Real-time virtual issuance

Card is issued at the moment of approval and sent to the customer for immediate transaction.

Depending on your needs, either you can be the issuer or the card issuing can be done through a BIN sponsor. Jifiti can serve as both the issuer and card program manager.

Empowering data-driven decisions

From big-picture insights to market-by-market data drill-downs, our updated reporting dashboards empower you with actionable business intelligence to make data-driven business decisions.

Want to discuss your virtual card needs?

Let's Talk Virtual Cards

Hi, I'm Nick.