Deserve Inc.
- Company typePrivate
- Founded2013
- HeadquartersPalo Alto, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
Deserve Inc. firmographics
Firmographics- Name
- Deserve Inc.
- Website
- https://deserve.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Deserve Inc. industry classification
Industry- Product category
- Card Issuing Platform
- NAICS
- Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industries
- Virtual / Digital-First Credit Cards (FSAKABAK), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Card Issuing & Program Management Platforms (BPAMAFAH)
Keywords
Where Deserve Inc. is headquartered
LocationHeadquarters
- HQ city
- Palo Alto
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Deserve Inc. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- API and SDK Licensing: Deserve provides API- and SDK-enabled credit card solutions to financial institutions, fintechs, and brands, generating revenue through technology licensing and platform fees for access to its digital-first credit card infrastructure.
- Credit Program Facilitation: The company expands credit programs for financial institutions, fintechs, and SMBs, likely generating revenue through program management fees, transaction processing, or revenue-sharing arrangements on credit card portfolios.
Go-to-market motion3 records
Distribution channels3 records
Marketing channels1 record
Deserve Inc. product offering
Product offeringCore offering
Deserve Inc. operates a digital-first credit card platform built on APIs and SDKs that enables financial institutions, fintechs, and brands to launch branded credit card programs. The platform supports instant credit issuance, scalable program management, and integrations with Visa and Mastercard networks, including crypto rewards credit card capabilities.
Product overview
Deserve offers a digital-first credit card software platform with API and SDK integrations. The core product is the Digital First Card, a mobile-centric credit card solution that enables instant credit issuance. The platform supports partnerships with financial institutions, fintechs, and brands, providing scalable credit card programs through APIs and SDKs.
Differentiator
Problem solved
Functional benefit
Products and services
- Digital First Card
- Credit Card Software Platform
Quantifiable outcome
- Platform enables instant credit issuance for faster cardholder onboarding
- +1 more outcomes
Companies that use Deserve Inc.
Customer profileSegments4 records
Ideal customer profiles2 records
Deserve Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Deserve Inc. partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- VisacoreDeserve received an investment from Visa and partnered on initiatives including crypto rewards credit cards. Visa's investment and partnership enable Deserve to expand offerings to financial institutions, fintechs, and brands. Deserve provides digital-first credit card services using APIs and SDKs through this partnership.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Deserve Inc. competitors and assessment
Company assessmentDirect peers
- Galileo Financial Technologies: Galileo, owned by SoFi, is a card-issuing and payments processing platform serving fintechs and FIs via APIs. It is one of the largest direct competitors to Deserve in API-driven card issuance and program management.
- Marqeta: Marqeta is the leading publicly-traded modern card-issuing platform providing API-based infrastructure for fintechs, brands, and FIs to launch and manage card programs. Like Deserve, it targets digital-first card issuance at scale, making it the most direct comparable.
- Lithic: Lithic provides APIs for issuing virtual and physical credit, debit, and prepaid cards to fintechs and banks. It targets the same developer-led, embedded-finance customer base as Deserve with a comparable infrastructure model.
- Stripe Issuing: Stripe Issuing is an API-first platform that enables businesses and platforms to create and manage virtual and physical cards. It competes directly with Deserve's core API/SDK card-issuance offering for fintech and platform customers.
Emerging players
- Unit: Unit is a banking-as-a-service platform with built-in card-issuing capabilities, serving fintechs and brands via APIs. It overlaps with Deserve on the embedded card-issuing infrastructure layer for digital-first programs.
- Treasury Prime: Treasury Prime is a banking-as-a-service platform connecting fintechs with bank partners and offering embedded card issuance among other banking products. It competes for the same fintech and brand customer segment as Deserve.
Broad incumbents
- Fiserv: Fiserv provides card-issuing, processing, and program management solutions to FIs and fintechs, including through its Finastra and Output Solutions franchises. It is a broad incumbent competing with Deserve in the card-issuance processing space.
- FIS: FIS is a large legacy financial technology provider offering card-issuing processors and program management platforms used by traditional banks and FIs. It serves the same end customers as Deserve but via incumbent legacy infrastructure rather than API-first architecture.
- Adyen: Adyen is a global payments platform offering card acquiring, processing, and increasingly issuing services to large enterprises. While broader than Deserve, it competes at the infrastructure level for high-volume card programs.
Others
- Cross River Bank: Cross River is a sponsor bank providing banking infrastructure, lending, and card-issuing-as-a-service to fintechs. It is both a Deserve capital partner (credit facility) and a competitor enabling similar embedded credit card products for fintechs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Deserve Inc. social profiles
Digital presenceDeserve Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Deserve Inc. leadership team
Management profileNumber of profiles
Profiles5 records
Deserve Inc. funding detail
Funding detailFunding overview
Funding rounds11 records
Investors23 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Deserve Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Deserve Inc.
What does Deserve Inc. do?
Deserve Inc. operates a digital-first credit card platform built on APIs and SDKs that enables financial institutions, fintechs, and brands to launch branded credit card programs. The platform supports instant credit issuance, scalable program management, and integrations with Visa and Mastercard networks, including crypto rewards credit card capabilities.
Is Deserve Inc. a public or private company?
Deserve Inc. is a private company. It is classified as venture growth investor backed and is currently operating.
When was Deserve Inc. founded?
Deserve Inc. was founded in 2013. It employs 51 to 100 people.
Where is Deserve Inc. based?
Deserve Inc. is headquartered in Palo Alto, United States, in the North America region.
How does Deserve Inc. make money?
Two revenue lines are on record. API and SDK Licensing is the primary driver. The others are credit Program Facilitation.
Who are Deserve Inc.'s main competitors?
Direct peers on record are Galileo Financial Technologies, Marqeta, Lithic and Stripe Issuing. Emerging players are Unit and Treasury Prime. Broad incumbents are Fiserv, FIS and Adyen. Cross River Bank is listed as an others.
Does Deserve Inc. have an API?
Yes. Deserve provides APIs and SDKs for digital-first credit card services. The platform offers API-enabled credit card solutions for financial institutions, fintechs, and brands. The APIs support scalable credit card programs and enable instant credit issuance.
What industry is Deserve Inc. in?
Deserve Inc.'s product category is Card Issuing Platform. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAKABAK, Virtual / Digital-First Credit Cards. Its NAICS code is 52221 and its SIC code is 6141.