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The Engine for Your Modern Business Card Program

Technology and services that empower banks to offer
industry-leading business cards to their customers

Get Torpago
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White-Labeled Products

From physical and virtual card designs to the spend management platform and application landing pages, Torpago white-labels the entire experience to keep your customers inside of your bank’s brand domain.

Tailored Programming

Whether you have a current credit card program in place or are looking to launch a new program altogether, Torpago's infrastructure is flexible enough to tailor to your bank's needs.

Program Launch Support

Torpago's expert team supports you through every step of the process, from project planning and implementation to sales enablement.
sunwestbank

“In partnership with Torpago, we launched the Sunwest Visionary Card and expense management solution, which has been a game-changer for our business. It has allowed us to acquire new customer relationships and enhance existing ones by offering a competitive solution that fits businesses' needs, all while driving fee income to the bank.”

– Carson Lappetito, President of Sunwest Bank

Engagement Models

Choose the level of program control and support that meets your bank's needs. 

Direct Issuer

Maximum control for banks building a commercial card business

  • Bank-owned BIN and balance sheet

  • Bank-set underwriting criteria

  • Bank-branded cards, mobile app, and customer portal

  • Torpago's cutting-edge technology for easy program management and real-time data access 

  • Managed services for underwriting, customer support, compliance, debt collection, and design

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Agent Model

Managed programs that help banks get a card to market quickly

  • Torpago-provided BIN

  • Managed and owned options for balance sheet and underwriting

  • Bank-branded cards, mobile app, and customer portal

  • Torpago's cutting-edge technology for easy program management and real-time data access 

  • Managed services for underwriting, customer support, compliance, debt collection, and design

Learn More

Deliver an elevated customer experience

Incorporate Torpago's cutting-edge technology, spanning from mobile applications to spend management software, into your credit program's offerings.

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

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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

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Ready to get started?

Schedule a Demo