Productfy

Productfy provides a robust platform designed to help companies launch branded card programs, digital banking solutions, secured charge cards, and disbursement services. Serving industries including community banks, credit unions, real estate, financial services, and insurance, Productfy enables rapid deployment of embeddable financial products. The platform is developer-friendly, offering onboarding guides, documentation, and a GraphQL builder for tailored financial experiences. Companies can configure in hours, integrate in days, and deploy full stack solutions in as little as three weeks. Productfy supports leading payments and card programs with a unified general ledger and dedicated program support, offering embeddable modules for payments, deposits, and card issuance. The white label card solution includes features such as zero-fee virtual deposit accounts, Visa debit cards, ACH transfers, KYC, instant account verification, e-statements, pre-approved disclosures, and fraud monitoring. The platform is fully hosted, PCI-certified, and provides modern design packages for branded card designs and compliance. Productfy also offers managed support for email addresses, toll-free numbers, disputes, chargeback processing, and ongoing KYC optimization. It supports multiple payment options, faster funding capabilities, and a virtual ledger for programmatic balances, transactions, and settlements. Compliance services include BSA/AML, fraud management, bank regulatory updates, and user interface guides. The platform’s distributed financial architecture is powered by a proprietary virtual ledger and offers a fully embeddable PCI-compliant solution with SOC and bank-level security. Productfy’s program management services cover customer support, chargebacks, disputes handling, financial operations, and card fulfillment. The secured charge card program features configurable credit limits, pre-approved underwriting policy, and credit bureau reporting, while the branded card program offers competitive interchange, no-fee virtual cards, physical branded cards, mobile payments, card freeze capabilities, and spend controls.