Why it matters to your programme

Most processors will get you to launch. The question is what happens after — when you need a new market, an aggregator model, or credit alongside debit.

Launch physical, virtual, and tokenised instruments from one integration
Scale across markets without rebuilding your programme
Control spending and authorisation rules at the product level
Grow from debit into credit on the same platform

Capabilities for modern debit and prepaid programmes Capabilities for modern debit and prepaid programmes

Physical + Virtual Issuance

Issue physical cards, virtual cards, and tokenised instruments from a single programme configuration, giving cardholders the format that fits their context.
Spend Controls + Authorisation Rules

Set spending limits, merchant category restrictions, geographic controls, and velocity rules at the programme or product level.
Digital Wallet Integration

Provision cards directly into Apple Pay, Google Pay, and Samsung Pay.
Scheme Connectivity

Connect to Visa, Mastercard, and Discover through a single platform. Thredd manages scheme certification, compliance, and connectivity so your team can focus on product.
Multi-Currency + Multi-Region Support

Operate across currencies and geographies from a single instance — one integration, multiple markets, without duplicating infrastructure for each new region.

The Thredd difference

Every processor can launch a debit or prepaid card. The difference is what happens when your programme grows. When you need credit alongside debit, independent sub-client controls for an aggregator model, or your next market is on a different continent.

Thredd is the only modern processor that combines commercial-grade debit, credit, and prepaid in a single composable platform. You are not choosing a debit processor today and a credit processor tomorrow.

Debit and prepaid for every programme and application

Digital Banking

Power current accounts and everyday spending with real-time debit processing, balance visibility, and digital wallet integration.

Embedded Finance

Run card programmes inside a partner's product experience, with controls and account structures invisible to the end user.

Earned Wage Access & Gig Economy

Enable workers to access earnings in real time through prepaid instruments with configurable load rules and instant virtual issuance.

Corporate + Business Payments

Issue debit and prepaid instruments for employee expenses and operational spend, with programme-level controls that keep finance teams in charge.

Travel + Multi-Currency

Support travellers and cross-border use cases with multi-currency balances, real-time FX visibility, and instruments that work across regions.

Financial Inclusion

Reach underserved populations with prepaid products that do not require a traditional bank account — stored-value cards, reloadable instruments, and accessible digital experiences.

Frequently asked questions

Physical cards, virtual cards, and tokenised digital wallet instruments across debit and prepaid programmes. Issue any combination from a single integration.
Yes. Thredd supports debit, credit, and prepaid on a single composable platform. Launch with one and add credit later without re-platforming.
Three models: gateway (you manage authorisations), cooperative (shared decisioning), and full-service (Thredd manages the full transaction lifecycle). Choose the model that fits your operational maturity.
Configure parent-child relationships where each sub-client has independent rules, limits, and controls. Changes at one level do not affect other programmes on the platform.
Visa, Mastercard, and Discover. Scheme certification, compliance, and connectivity are managed within the platform.
New clients are averaging under 90 days. In-market implementation teams work alongside your product and engineering teams from programme design through to first transaction.