YAPEAL offers a Cards-as-a-Service (CaaS) platform for retail banks, private banks, and Fintech companies. Issue branded debit and credit cards for private and business clients, eliminating legacy system limitations.
Banks’ valued customers are exposed to lengthy, cumbersome experiences from onboarding to card management with traditional card issuers, undermining banks’ desired customer experience and service quality.
Banks give away control over client-facing pricing, miss out on earning interchange revenues, benefitting from FX spreads, and retaining overdraft revenues by providing the credit line.
Banks don’t have visibility of all transaction data enable which would enable earlier fraud detection, accurate risk scoring, and streamlined compliance.
As card transactions are not integrated directly into the bank’s systems, separate invoicing and uncoordinated credit line offerings still occur at scale
Don’t bother your client with additional onboarding hassle.
Own all touchpoints with your client.
Have a more holistic view on your clients, thanks to insights on spending behaviour, enabling cross- and up-selling.
Offer premium benefits, such as rewards programs or travel perks, tailored to your client base.
Increase customer loyalty and retention.
Issue, manage and close cards instantly, with our state-of-the-art dashboard.
Increase and decrease card limit, instantly.
Select card features for your client: Insurance, Lounge, Concierge service, etc.
Benefit from or broad range of card types and services: Classic, Gold, Platinum, Signature, Infinite.
Offer payment cards that carry your brand’s visual identity, strengthening brand recognition every time clients use them.
Customize card designs to reflect the unique identity of your institution or specific client segments.
Improve your efficiency by consolidating systems and workflows.
Free up resources to focus on client engagement and innovation.
Integrate YAPEAL's card solution smoothly into your existing workflow with our state-of-the-art API, giving you endless possibilities of innovation and new revenue streams.
Offer credit lines for card payments, creating opportunities to earn interest.
Create loyalty programs tied to card usage, driving further engagement and spending.
Up-sell / cross-sell through enhanced data insights.
One month free trial period: Test it thoroughly at no costs, after onboarding.
Cancel anytime: No cancellation fees, as with our cards, you can cancel within minutes.
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.
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Let's boost your revenue.