“Can a single API-first platform own the entire credit card program stack — from underwriting to rewards — for fintechs and vertical SaaS companies launching embedded credit?”
Founded in 2021, Tallied Technologies positioned itself as an operating system for credit card programs — providing end-to-end infrastructure covering application flow, underwriting, core processing, cardholder servicing, credit bureau reporting, and rewards management. The company targets fintechs, vertical SaaS platforms, marketplaces, and financial institutions seeking to launch embedded credit card programs without building the underlying stack themselves. In October 2025, Tallied signed a program management and network issuer processor agreement with FinWise Bancorp, deepening its sponsor bank relationships and signaling a move toward broader distribution through chartered bank partnerships.
Tallied Technologies discloses Evolve Bank & Trust as its banking provider, with FinWise Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Tallied Technologies does not disclose a bank charter of its own; its banking services are provided through FinWise Bank.
The Embedded Finance Index 2026 maps 3 layers in Tallied Technologies's stack: Banking / BaaS (Evolve Bank & Trust); Lending (Revolving credit card credit lines and Commercial charge card credit programs); Sponsor bank (FinWise Bank).
Tallied Technologies is founded in 2021 and headquartered in Sacramento, CA (also listed as San Ramon, CA).
Tallied Technologies has raised $18.89M in total (latest round: Seed).
Get a read on where your own stack stands against Tallied Technologies and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.