CREDIT CARDS

The most comprehensive credit card stack for all your business needs

We offer a fast, secure, and scalable modern card management platform that enables faster time-to-market and reduces overall TCO.

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A multi-product platform

M2P Fintech supports multiple credit use cases on a single, streamlined platform that lets you easily build, issues, manage, and scale various card programs effortlessly.

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Unsecured Credit
Card
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Secured Credit
Card
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UPI
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Corporate Credit
Card
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Card-based /
Cardless BNPL
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Line of Credit
(LOC)
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Unsecured Credit
Card
unsecured credit card
Secured Credit
Card
coorporate credit card
Credit line on
UPI
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Corporate Credit
Card
card less bnpl
Card-based /
Cardless BNPL
card based bnpl
Line of Credit
(LOC)

What we offer

Our one-of-its-kind platform offers a comprehensive solution, integrating advanced and customizable functionalities for superior performance and scalability.

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Credit Card
Management System

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Program
Management

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Loyalty & Portfolio Management System

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Card
Operations

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Accounting
& Operations

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Reconciliation
& Dispute

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Fraud and Risk
Management

Go Beyond Card Issuance

Transform every transaction into an opportunity with our intelligence layer that drives engagement, loyalty, and revenue.

Personalized Engagement,
Powered by AI

Leverage real-time transactional behavioral insights to deliver hyper-personalized offers and experiences that boost activation and spend.

Dynamic Rewards &
Contextual Offers

Launch campaigns and delight cardholders with relevant rewards, cashback, and merchant deals tailored to their unique spending patterns.

Proactive Retention &
Churn Prevention

Identify at-risk customers early and trigger timely, personalized interventions to strengthen relationships and reduce churn.

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For Banks
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Cutting-edge technology enabling rapid deployment of new features and services.

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Built-in compliance features simplifying navigation of regulatory requirements.

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Faster response times, tailor-made offerings, and a user-friendly interface deliver exceptional service.

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For Fintechs
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State-of-the-art technology enables superior product experiences and rapid scaling.

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Integrate with any third-party applications seamlessly.

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Adaptable APIs ensure effortless utilization and versatility.

All your team needs in one place

Elevate your team's efficiency across risk and collections with our unified credit solution, driving long-term business success

Credit Risk

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Real-time data and predictive analytics to assess credit risk accurately and proactively.

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Fraud detection capabilities with sophisticated algorithms and machine learning models.

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Customized risk parameters to meet specific business objectives and regulatory requirements.

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Salient benefits

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100% API Coverage

Comprehensive configuration, payments, and account management APIs and SDKs

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Quick & Effortless

Launch products in weeks

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Limitless Scalability

Handle peaks in transaction volume effortlessly with our cloud-native, loosely coupled, microservices architecture

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Fraud Prevention

Lower fraud rates on transactions with Super PIN, dynamic CVV, MFA, and more

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Lower TCO

Eliminate multi-vendor integrations with lower TCO (Total Cost of Ownership)

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Modular Architecture

Choose modules that match your needs without buying the entire stack

One Platform, Unparalleled Ecosystem

Our pre-integrated product lines seamlessly create more powerful programs without juggling multiple vendors for different services.

Trusted by the best

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Happy to Avail M2P’s Credit Card Offering

We are one of M2P Identity's first clients and are happy with their products and the young team’s response. They have been very quick in their growth.

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-Jaya Krishnan, CIO, Muthoot Fincorp
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Hear what our clients say

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Virender Bisht

Virender Bisht,

Co-founder & CTO, Niyo Solutions Inc
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Niyo, in partnership with M2P Fintech and our partner bank, launched its successful Niyo Global Credit Card.

Successful payment products are built on world-class standards for operational excellence which in turn is enabled by well-architected system design and implementation that delivers scale at speed. The M2P credit card system has these chops! Their partner onboarding, developer support, and business team take an avid interest in ensuring the program's marketplace success.

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Shalini Warrier

Shalini Warrier,

Executive Director, Federal Bank
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M2P Fintech is an integral part of our Bank’s strategy for collaboration with FinTechs, in the area of credit cards.

Agility, innovation, regulatory compliance and relentless focus on great customer service are just some of the attributes that M2P has depicted, which resonates well with our Bank’s values. M2P’s API-based product stack is helping the Bank and the partners to build intuitive user experiences and innovative product features which plays a key role in scaling up our credit card base.

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Certified. Compliant. Secure.

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Are you ready to move beyond one-dimensional credit solution?

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