Credit cards that run on your terms
Peach handles the post-origination backend for credit card, charge card, and virtual card programs. Sub-lines carry independent interest rates and grace periods. CARD Act compliance is built into the engine, not patched in after. Your team focuses on the product your cardholders use.
$2B+ in active loans across 50+ lenders
Your card program on Peach
Card programs aren't interchangeable.
Here's what yours looks like when Peach handles the backend.
Every card type, one core
Billing cycles built right
New variant, same platform
You build the card product. We build what it runs on
Your card product, your terms
Credit card, charge card, virtual card. Set the interest structure, promo offers, and fee schedule. Peach matches your product.
Built and ready to go
Statements, reporting, disputes, and the borrower portal are all ready at go-live. No separate procurement. Bring your issuer or we'll introduce you to ours.
How your card program actually works
Independent terms per sub-line
Each sub-line runs its own rate and grace period within one account. A draw converts into an installment plan independently. Overlapping rate caps resolve to the lowest automatically.
Track every transaction in real time
A cardholder disputes a charge. It resolves inside the CRM. Each purchase moves through the API from authorized to settled to applied.
Billing cycles that match your product
Statement timing, content, and branding are configurable per program. 14 or 21-day grace periods. Monthly billing doesn't force monthly autopay.
Backdated changes, recalculated forward
A promo rate expired wrong. A fee reversed three months back. Loan Replay™ recalculates forward from the correction date. The original ledger stays intact.
Your card stack, connected
Your issuers, networks, and processors are already supported.
Visa
Peach supports Visa card programs through Visa's Fintech Partner Connect. Credit, charge, and virtual cards all deploy through that path.
Mastercard
Mastercard card programs are supported through the Mastercard Engage Partner Network. Already in the Mastercard ecosystem? Your card program deploys through the same route.
Lithic
Virtual and physical card issuance for credit card programs. One-time-use and multi-use virtual cards issued through Lithic's infrastructure, managed through Peach's servicing layer.
Marqeta
Real-time authorization controls and instant card issuance through Marqeta's open API. Your card program runs on their rails, serviced through Peach.
Galileo
Already using Galileo for processing? Galileo keeps processing, and Peach adds the servicing layer alongside it in sync. No rip-and-replace.
Card programs that launch on Peach don't just run. They grow.
Why card teams stay on Peach
Engineers on your calls
Your implementation questions go to the people who built the system. Not a help desk. Not L1 support. The same engineers who wrote the code.
We start with your stack
Peach builds around what you already run. We map your architecture, match your data flows, and work backwards from your timeline.
Built from inside lending
The team built Affirm's lending engine under Max Levchin, then started Peach as the next generation. They lived inside the problem.
No lock-in by design
API, webhooks, database replica, loan tapes. If you ever want your portfolio back, it's ready to export.
Compliance is built into the engine
SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1, and HIPAA. Compliance Guard enforces compliance rules in real time and monitors borrower status against applicable federal and state regulations.
Tested at real scale
One large fintech saw system timeouts drop from tens of thousands to a few hundred per week. Production borrowers. Real money on the line.
"Peach's flexible servicing solution is exactly the kind of modern, enterprise-grade infrastructure we need for scaling products like our Square Credit Card."
Let's talk about your cards product
You're building a product your borrowers will love. Or moving one they already do. We’ll start with your architecture and work backwards from there.
