White-label card programs, payments and accounts — live in just 8 weeks.
Why Upward
The fastest path to launch — without the build, the procurement, or the compliance grind.
Fully branded to your product — your users never see us.
From kickoff to a live, compliant card program — in weeks, not quarters.
Compliance, KYC, fraud, disputes, and CS — handled, not handed off.
Revenue for your platform. Real impact for your users.
Products
Build with simple, composable modules that can power any fintech solution for your users.
White-label secured and debit cards on Mastercard rails. Instant issuance, full program management included.
Learn moreEvery transaction reports to all three bureaus. Subscription-to-tradeline or card-based — your choice.
Learn moreBest-in-class lending enablement to launch and scale your program — from application and origination to securitization and sale.
Learn moreACH, OCT, AFT, RTP — every rail your users need to move money. Built-in ledger, instant settlement.
Learn moreIntegrations
Skip months of build time and go straight to launch.
Every integration you need to run a card program is already built. Compliance, processing, furnishing, ledger, rewards, ATM network, mobile wallets — orchestrated and ready to launch on day one.
Built for your engineering team
Spend your engineering time building your product, not bank integrations. One REST API powers cards, accounts, and payments — familiar, flexible, and fast.
Complete API access to cards, accounts, payment rails, and credit — through a single unified integration.
Go fast with hosted flows. Go deep with embedded. Switch as your product matures.
Card lifecycle, onboarding, and transaction signals — so your team stays in sync with every user action.
Program management
Trust Upward to manage key program components so you can get to market faster and focus on delivering an exceptional product experience.
Adapt your level of management as your needs evolve. Easily shift ownership of fraud, disputes, or customer support as your resources and goals change.
Upward handles everything from bank setup to reconciliation and reporting — freeing your team to build products, not manage operations.
Launch and scale without second-guessing compliance or network obligations. Every program decision is backed by trusted bank and network oversight.
It works — here's the proof
Vertical SaaS · HospitalityTipHaus automates tip pooling and distribution for restaurants. Workers receive wages directly onto credit builder cards — with instant pay access and an easy way to build credit history.
Upward Product Line
“Workers started asking for the card by name — before we even launched.”
What our partners say
From scrappy startups to scaling fintechs, ambitious teams choose Upward to launch financial products that actually move the needle.
“We needed a card program built for the unique needs of the restaurant workforce — and that generated great unit economics for us. Others talked a big game, but Upward made it easy.”
“Upwardli enabled us to launch a credit builder in just weeks. We've unlocked a new revenue stream with a product that really resonates with the hourly workforce.”
Most programs go live in 8 weeks. Let's find out if you're a fit.
