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Modern card technology. Purpose-built for banks. Powered by
AI agents.
Turnkey infrastructure for branded card programs.
Your brand. Our technology. One powerful platform.
Our purpose built software-powered by AI Agents helps you launch customized cards, spend tools, and bank admin platforms. We enhance your core banking software so that you can move fast without losing control.
Business Credit Cards
Spend Management
Bank Admin Tool
Modular Program management Services you can trust
Torpago offers banks a suite of managed services that are flexible, reliable, and fully modular so you can launch and scale your card program with confidence. Choose the services you need, keep control where you want it, and leave the rest to us.
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UnderwritingBest-in-class underwriting and risk monitoring, delivered by Torpago. Our software aligns to your bank’s scoring model and accurately analyzes data to empower your decision-making.
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Customer support24/7 cardholder support via phone, email, and live chat. While supported by Torpago’s servicing tools, your team retains control and visibility. You trust us, and your customers trust you.
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ComplianceCompliance is built into every layer of the platform—from KYC to transaction monitoring—and is continuously updated to reflect the latest regulatory requirements. We stay up to date so you can make moves.
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Customer SuccessOnboard customers in minutes, not days. Torpago automates onboarding and backs you with white-glove account managers who drive strategy and growth as a seamless extension of your bank.
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ServicingProactive, compliant servicing of past-due accounts—ranging from early outreach to full collection workflows–all managed by Torpago in conjunction with trusted legal partners.
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DesignWorking in tandem—let our team get to know your team as we develop the branded card art, program materials, and marketing assets that reflect your bank’s identity.
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Direct IssuerLaunch your BIN or bring an existing one. Fully own your card program as powered by Torpago. Better economics, greater control, and complete flexibility with your program and our tech. -
Agent ModelReduce your operational lift—use our platform and agent bank’s BIN to launch now. Run your race with fewer hurdles and a jump start.
Purpose-built for banks—proven with customers.
From infrastructure to compliance, we maximize what banks offer cardholders: our platform—your brand. With a relentless focus on user experience, we help your bank move fast and win more business.
By the numbers: Torpago’s reach and results
Torpago is trusted by banks and businesses nationwide to power modern credit card programs with real results. From transaction volume to platform integrations, our growth is exponential, and we’re making our presence known.
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$300M+Total payment volume
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99.99%Platform uptime in 2024
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100+Integrations with accounting, HRIS, and productivity tools
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$25M+Equity capital raised from leading bank tech investors
Ready to scale your credit card program?
Join the banks and businesses already experiencing results with Torpago. Book a demo and see how we help teams deliver growth, simpler integrations, and impact.
See how Torpago wins with banks like yours
Explore our insights for fresh perspectives, compliance updates, and growth strategies—everything you need to stay ahead in commercial banking.
