Powered by Torpago
Direct Issuer 

Your BIN and balance sheet. Your Customers. Our proven technology.

Schedule A Demo


The technology and support your bank needs to launch a market-leading business card.
The economic control you want to maximize ROI.

Cutting-edge
technology

Easy program management and real-time data access for your team, feature-rich integrations and mobile apps for your customers!

Full economic
control

Keep the swipe fees and set rates, offer rewards, and implement underwriting processes that are right for your bank.

Extensive program management services

Augment your bank's capabilities when it comes to underwriting, fraud services, or customer support.

Advanced Tech Features Your Customers Will Love

Powerful capabilities that make managing business spending easier in the office and on the go!

Torpago Spend Management Platform

  • Cloud-native platform built for scalability and flexibility

  • Built with native ERP, payroll, and accounting integrations and Open APIs

  • Enables effective expense management with expense approval workflows and multi-level spend controls

  • Supports bill pay, reimbursements, receipt intelligence

  • Designed for both web and mobile application usage

  • Empowers account administrators to select appropriate user profiles

image-png

Torpago Mobile Application

  • Available for both iOS and Android

  • Supports in-app digital wallet provisioning

  • Provides overview of spend power, transactions, and restrictions

  • Real-time card usage and spend alerts via push notifications and text messages

  • Enables expenses and reimbursements to be submitted in real time

mobile-app

Full Economic Control for Maximum Program ROI

Direct Issuer

Offer a high-tech and feature-rich business credit card backed by white-glove support without sacrificing economic control to a third party.

  • The network of your choice: Powered By supports Visa and Mastercard

  • Own your BIN: We help your bank obtain a fully owned BIN and guide you through the process

  • Keep the fee income: No sponsor bank in the middle means card fee income goes right to your bottom line

  • Rewards program flexibility: Offer rewards that work best for your bank and your customers

quick-actions-screen
Direct-issuer-sunwest-quote

Program Management Services

You don't have to run your program yourself or onboard large new teams – let our experts do the heavy lifting for you.
Choose only the management services you need to make your program successful. Services include:

Underwriting

Our underwriting team uses an AI-powered approach to protect balance sheets while providing customers with the spending power they need.

Compliance

Ensure your program adheres to all relevant regulations and industry standards with proactive practices to mitigate risk and avoid potential penalties.

Customer Support

Increase customer satisfaction by offering 24/7 live support via chat, email, or phone without having to build your own call center.

Ready to get started?

Request a Demo