Launch your card program with Peach
We support a wide range of installment and revolving card programs, whether you’re launching a charge card, a credit card or BNPL virtual cards.
Supported card constructs
Credit cards
Launch a full-featured, CARD Act-compliant credit card offering for consumers or businesses.
Charge cards
Issue charge cards for businesses or consumers, with the ability to convert transactions into BNPL loans.
Virtual cards
Issue one-time-use or multi-use virtual cards for BNPL, leveraging a conventional installment loan construct or our Multi-Capture Installment Loan™.
Fully configurable credit cards
Amortization
Create an amortized line of credit, where every draw is amortized over a fixed term. Or launch a conventional credit card with the ability to turn transactions into BNPL loans.
Credit limits
Fully configure your credit limits and credit limit policy, including how much customers can go over their limit. Secured and unsecured cards are supported.
Flexible statements
We provide statements out of the box, but they’re fully customizable—decide what you want to appear on your statements.
Purchase disputes
Peach’s CRM gives your agents ready-to-use workflows and communications templates to resolve purchase disputes.
Interest rates
Set any interest rate or interest type, including complete flexibility to configure promotional periods.
Sub-lines
Within a line of credit, create sublines—with their own interest rates and grace periods, if desired.
Harness the power of Multi-Capture Installment Loans™
Many merchants don’t capture an entire transaction all at once—for example, when items ship separately or when a travel purchase includes multiple subvendors. A traditional installment loan can’t accommodate these frequent BNPL use cases, but our Multi-Capture Installment Loan can.
Partnerships and integrations
We’ve partnered with many of the foremost technology, servicing and reporting companies to make it easier for you to launch and scale lending programs.
We partner with Visa to make it easy for issuers to launch new lending programs, whether for BNPL or another asset class.
We support lenders in developing buy now, pay later (BNPL) solutions leveraging the Mastercard Installments program.
Lithic supports you with virtual, physical and digital wallet cards—whether prepaid, debit or credit cards.
Qolo gives you flexible, scalable debit, prepaid, and credit card solutions through direct access to major payment networks.
Marqeta allows you to instantly issue and process card payments with their open API platform.
Leverage Peach's omnichannel communications templates to optimize and streamline servicing.
Your unified loan servicing system
5 reasons lenders need adaptive infrastructure
Peach's Adaptive Core™ gives lenders a new paradigm in loan management, enabling them to continually test and iterate, even at scale, and to continually launch new lending programs with speed and flexibility.
Built for security and compliance
Our loan management and loan servicing software is compliant with SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 and HIPAA. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.