Card.Com
“Can a prepaid card program manager become a comprehensive digital banking alternative for underbanked US consumers by layering savings, bill pay, and cross-border payments onto a multi-sponsor-bank infrastructure?”
HQUnited States
IndustryFintech / Consumer banking
The story
Card.com is a prepaid debit card program manager operating in the US consumer banking space, offering branded prepaid Visa cards to underbanked consumers. The company acts as a non-bank program manager sitting on top of sponsor bank infrastructure from both The Bancorp Bank and Pathward. It has expanded its product suite to include optional savings accounts, bill pay, and cross-border payment capabilities via Visa Direct.
Last 12 months
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The stack
4 layers disclosed in Card.Com’s embedded-finance stack
Banking / BaaS
The Bancorp Bank, N.A.
Card issuing
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting gap: none
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.