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IncumbentFI's SaaS platform is embedded within your institution's existing debit card processor and core banking provider tech stack, eliminating the need for costly and time consuming technology integrations.
The IFI platform allows you to "unlock" the binary limitations of your existing debit cards and transform those cards into "programmable payment" cards.
Programmable payment functionality enables your debit cardholders to seamlessly link additional internal accounts (ie. checking, savings, HELOC) AND external accounts; (ie. a health savings account (HSA), BNPL, micro LOC) to fund transactions made using their debit card.
Embedded Fintech for
Financial Institutions
OUR MISSION
Make your Debit Card the Default Card in Every Mobile Wallet
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Provide your cardholders with an enhanced digital experience
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Drive debit card spend/interchange revenue
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Increase consumer engagement/retention
Add New Debit Card Capabilities with IncumbentFI:
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CFPB & OCC Compliant Fee Notifications
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Family Sharing (ie. Teen Cards)
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Local Merchant Rewards Program
Services
LATEST NEWS
Embedded Fintech, Enabled Through Programmable Processing
IncumbentFI selected to participate in MasterCard's Award Winning Emerging Fintch Start Path program.
Celent Model Bank 2023 Award Winner for Payments Innovation; Programmable Payments on Card Rails
"Financial Institutions and Fintechs Can Empower Cardholders with Programmable Payments from Fiserv and IncumbentFI"
Initial Use Cases to Enhance Your Existing Debit Card
Add an instant overdraft micro-credit line to all of your traditional cards.
Fee Notification
Platform
(CFPB & OCC Compliance)
Tie your traditional cards into our powerful network of merchant funded offers and rewards.
Local Merchant Rewards
The ultimate tools for controlling, and managing financial transactions.
Card controls can be used as
Parental Controls
Employer Controls
Transaction Controls
Budgeting Controls
and more.
Link Internal & External
Accounts
Our AI technology enables your institution to streamline compliance with recent CFPB and OCC guidance related to Cardholder Fees. Seamlessly connect internal and external funding accounts to your existing debit cards and connect retail customers with your commercial accounts with our local rewards infrastructure.
Core Platform Features
The world's most advanced payment processing platform.
Dynamic processing allows for multiple simultaneous transactions to occur against a single transaction authorization.
Dynamic Processing Engine
The payment/commerce equivalent of the "Social Graph".
We use data science tools to graph the relationships between a person's transactions and purchases to help optimize the commerce experience for every unique individual.
PayGraph Data & Analytics
Features
Developers API Suite
Dynamic Processing API
Transaction Controls API
PayGraph Analytics API
Event Handling & Communications API
Points & Merchant Rewards API
Developes
Company
Contact
Learn More
Get more information about IncumbentFI:
Just enter a few details about yourself and your company below and someone will get back to you as soon as possible.
Or call 1-800-316-2587 for more information.
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