Up to 25% of new accounts fail to activate.
Losing Ground to Digital-First Competitors
Regional banks and credit unions are under pressure as digital challengers set expectations for instant account access.
Traditional Card Issuance Creates Delays
Physical card production and mailing can take up to 10 days — leaving new customers waiting before they can transact.
Activation Drop-Off Hurts Growth
When activation depends on a mailed card, 15–25% of new accounts never go live — stalling engagement before it even starts.
Our integrated Approach
Instant Issuance
Ditch the wait for plastic. Deliver secure, ready-to-use digital cards instantly — so customers can tap, pay, and transact the moment they’re approved.
Seamless Experience
One credential across payments, rewards, and accounts. From onboarding to everyday use, deliver the speed and simplicity digital-first customers expect.
Scalable Innovation
Expand effortlessly across credit, business, and prepaid products with Secure Element provisioning — streamlining operations and accelerating time to market.
Expected Business Outcomes
Digital issuance drives measurable improvements across activation, engagement, and fraud prevention metrics.
Customer Engagement
Immediate usage, faster loyalty activation
Cost Efficiency
Reduced production & mailing overhead
Spend Levels
4x higher “top-of-wallet” spend
Smarter, Better connected Solutions
Instant Card Issuance
Digital issuance eliminates the material, personalization, and mailing overhead associated with plastic card fulfillment, allowing issuers to reallocate several dollars per account toward customer engagement and loyalty activation.
Apple Secure Element Integration
PayCloud eliminates 18-24 months of development time and millions in upfront infrastructure investment. We provide pre-certified Apple applets, existing EMVCo and Global Platform compliance, and proven integrations with banking cores and card processors. You skip the certification process entirely and deploy in 6-9 months instead of building, certifying, and maintaining your own TSM platform.
Instant Card Issuance
Digital issuance eliminates the material, personalization, and mailing overhead associated with plastic card fulfillment, allowing issuers to reallocate several dollars per account toward customer engagement and loyalty activation.
Apple Secure Element Integration
Leverage Apple-grade hardware security with Secure Element technology that protects credentials at the chip level — delivering the same trusted protection as ApplePay for your branded payment products.
TSM-as-a-Service
Our Trusted Service Manager platform handles end-to-end provisioning and lifecycle management, ensuring PCI DSS, EMVCo, and Global Platform compliance while you focus on growing customer relationships.
Our Trusted Partners & Collaborators
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