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Cards

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.

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Brian Robertson
Trusted by top lending innovators
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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

When you build on Peach, you can create an innovative credit card offering that lives up to your vision.
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.

Easily accommodate multiple captures
Give customers more flexibility in where to shop
Decide how additional captures modify repayment terms

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Partnerships

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.

Visa Fintech Partner Connect
Visa Ready for BNPL

Lithic supports you with virtual, physical and digital wallet cards—whether prepaid, debit or credit cards.

Card issuance

Blend’s cloud-based platform provides loan origination and decisioning for your new lending program.

Loan origination

Marqeta allows you to instantly issue and process card payments with their open API platform.

Card issuance
Featured whitepaper

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.

Whitepaper5 reasons lenders need adaptive infrastructure
Security

Built for security and compliance

Peach Finance is SOC 2 Type 2, SOC 1 Type 1, HIPAA and PCI DSS Level 1 compliant. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.

SOC 1 type 1 compliant
SOC 2 type 2 compliant
PCI DSS Level 1 certification
HIPAA compliant