A branded card for your program

Accrue Cards enables brands to launch debit card programs with the same ease as buying software. Virtual issuing, spend controls and a new marketing surface area—all without a point-of-sale integration.

Get a demo Start building

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DoneAster Merrow · $48.20

Today, your declined card applicants have nowhere to go

Customers want a financial product
Customers who are declined for your credit program have signaled they want to go deeper with your brand—today, they have nowhere to go.
Two tiers is not enough
Having a credit card tier and a loyalty tier isn’t enough anymore. Customers want a new option.
Loyalty should not require borrowing
A credit-led program asks customers to open a lending relationship before they can access card-linked benefits.

Earn a share of interchange on card spend

12.5%

of purchase value was paid with Accrue Cards, generating interchange-share revenue for the brand¹

43.4%

of all activated cardholders made a card purchase over six months²

15.3%

of card purchasers made another card purchase over six months³

Issued, provisioned, and spent in store

Launch a branded debit card program with no credit pull. Customers complete identity verification rather than credit underwriting.

Each authorization checks the customer’s available balance and evaluates the authorization request against the program’s merchant and transaction rules in real time.

Customers tap their card at the merchant’s existing terminal, so eligible in-store purchases require no point-of-sale integration.

Virtual

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···· ···· ···· 4471VISA

Your card draws from the $235.00 available in your wallet.

Add to Apple Wallet

HomeShopWalletCartProfile

Accrue is the card program manager

Program setup and ongoing management

Issuer and card-network coordination

Balance-backed authorization decisioning

Virtual or physical cards

Regulatory compliance operations

Apple and Google wallet enablement

Fraud monitoring

Spend limits and category controls

Connect the balance to the card network

SDK

WebMobileWebView

Add the card to Apple or Google Wallet from inside your app or site. We render the step, so the customer never leaves the flow.

astermerrow.com/card

Aster Merrow card

···· 4471 · ready to add

Add to Apple Wallet

Web integration

API

REST

Fetch the virtual debit card details for a payment through the Accrue API.

GET/api/v1/payments/{paymentId}/card

{
  "data": {
    "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
    "type": "VirtualDebitCard",
    "attributes": {
      "number": "card_12a3b45cdefghi",
      "expirationMonth": "6",
      "expirationYear": "2028",
      "cvc": "123"
    }
  }
}

200 OK · application/vnd.api+json

Get Virtual Debit Card

Pair with other Accrue products to fund, spend, and reward the balance

Balance

The funds behind every authorization

Payments

Orchestrates authorization and settlement

Rewards

Triggers rewards on card spend

Common questions

No. The card is debit and spends the customer’s own balance, so there is no credit pull. Customers complete the identity verification required for the card program.

Accrue cards can be used anywhere Visa is accepted in an open-loop scheme, or restricted to a single brand in a closed-loop scheme.

At participating merchants, nothing. The customer taps at the existing terminal as they would with any other card, and the point of sale stays as it is.

Authorization checks the balance in real time, so the decision is made at the moment of the tap rather than reconciled afterward. Spend and authorization controls are configurable per program.

Yes. Programs can support virtual debit cards for online purchases and push provisioning to Apple Wallet and Google Wallet for contactless payments. Physical cards are also supported as an optional program format.

Cross River Bank, Member FDIC, issues the Visa Debit card and retains issuer oversight. Accrue is the card program manager, providing the technology and running day-to-day program operations. Your brand defines the customer experience and the program’s commercial rules within the approved program.