Tallied Technologies
Tallied Technologies builds a cloud-native, API-first credit card operating system for fintechs, banks, community institutions, and platforms to launch and manage consumer and commercial card programs via a single integration.
- Company typePrivate
- Founded2021
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Tallied Technologies does
Tallied Technologies is a private fintech company founded in 2021 that has built a cloud-native, API-first credit card operating system. The platform, marketed as an "Operating System for Modern Credit Cards," unifies six product modules — Modern Credit Core (a bi-temporal processing engine with auto-reconciliation and programmatic Regulation Z compliance), a documented API with sandbox access, white-label cardholder UX, a programmable rewards engine, omni-channel cardholder servicing with AI dispute handling, and a decisioning/underwriting framework — to cover the full credit card lifecycle from application through bureau reporting. Customers integrate through a single API and rely on Tallied for program management.
The company serves four primary segments: fintechs seeking "credit card in a box" managed services; financial institutions modernizing legacy card infrastructure; community banks and credit unions launching co-brand or agent programs without assuming credit risk; and platforms/marketplaces embedding commercial revolving cards. Tallied is not a bank; it partners with FinWise Bancorp as sponsor/issuing bank, with Mastercard as the payment network and Tag Systems and Vervent as processing and servicing partners. The company holds SOC 2 Type II certification and is backed by investors including Diagram, Portage, Synchrony, and True Ventures, having raised $13.5M in March 2022.
Tallied monetizes through program management fees and technology licensing, operating a quote-based B2B model with no publicly disclosed pricing. Go-to-market combines API-first self-serve onboarding (advertised as under 90 days to launch for fintechs) with enterprise field sales. The company is headquartered in San Ramon, California, with a distributed team across the US, Poland, and Canada, and reports headcount of 11-50. Leadership includes ex-Marqeta, Blackhawk Network, JPM, Wells Fargo, and Deserve executives, supported by a recently hired Head of Revenue.
Tallied Technologies firmographics
Firmographics- Name
- Tallied Technologies
- Legal name
- Tallied Technologies Inc.
- Website
- https://tallied.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tallied Technologies builds a cloud-native, API-first credit card operating system for fintechs, banks, community institutions, and platforms to launch and manage consumer and commercial card programs via a single integration.
- Ownership category
- akta.pro rank
Tallied Technologies industry classification
Industry- Product category
- Credit Card Infrastructure Software
- NAICS
- Credit Card Issuing (522210), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industries
- Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Card Issuing & Program Management Platforms (BPAMAFAH)
Keywords
Where Tallied Technologies is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Tallied Technologies business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Platform/Program Management Fees: Tallied generates revenue through program management fees for providing end-to-end infrastructure for building, launching, and scaling credit card programs. The company handles card processing, servicing, compliance management, and program administration as a managed service.
- Technology Licensing: Revenue generated from licensing the Tallied credit core, APIs, and platform technology to financial institutions, fintechs, and other partners for credit card program deployment.
- Sponsor Bank Partnership Revenue: Through sponsor bank partnerships, Tallied earns fees for providing credit card issuance, processing, and program management services. The company manages the full lifecycle of credit card programs on behalf of partner banks.
Go-to-market motion3 records
Distribution channels3 records
Marketing channels4 records
Tallied Technologies product offering
Product offeringCore offering
Tallied Technologies provides a cloud-native, API-first credit card operating system (ccOS) that enables fintechs, financial institutions, community banks, credit unions, and platforms to build, launch, and scale consumer and corporate credit card programs through a single integration. The platform combines a bi-temporal Modern Credit Core, developer-friendly APIs with sandbox access, a white-label cardholder UX, a programmable rewards engine, AI-powered cardholder servicing, and built-in decisioning and underwriting to deliver end-to-end program management and processing.
Product overview
Tallied Technologies offers a Credit Card Operating System (ccOS) — a unified platform architecture for building, launching, and scaling consumer and corporate credit card programs. The platform comprises six integrated core modules: Modern Credit Core (bi-temporal processing engine), Tallied API (developer integration layer), White Label Cardholder UX (branded customer interface), Rewards Engine (programmable multi-form rewards), Cardholder Servicing (omni-channel support with AI dispute handling), and Decisioning and Underwriting (AI-enabled credit models). The company also provides four solution packages tailored for different customer segments: Co-brand and Agent Credit Card Programs (for community banks and credit unions), Modern Credit Card Platform (for financial institutions), Embedded Credit Card Programs (for platforms and marketplaces), and End to End Credit Card (for fintechs). The platform supports the entire credit card value chain from application flow through underwriting, core processing, cardholder servicing, credit bureau reporting, and rewards management.
Differentiator
Problem solved
Functional benefit
Products and services
- Modern Credit Core Purpose-built credit core with advanced bi-temporal capabilities enabling automated reconciliation and programmatic Regulation Z compliance for consumer and commercial credit card programs.
- Tallied API Developer-friendly, fully documented APIs with sandbox access that enable teams to build and launch credit card programs through a single integration across the entire card lifecycle.
- White Label Cardholder UX Fully packaged, white-label cardholder user experience with built-in alerts and notifications for consumer and commercial credit card programs.
- Rewards Engine Programmable rewards engine supporting multi-form earn and burn mechanisms including cashback, statement credit, travel bookings, and bespoke SKU item-level rewards.
- Cardholder Servicing Omni-channel customer support engine with AI-powered dispute handling for efficient cardholder issue resolution.
- Decisioning and Underwriting Built-in credit decisioning and underwriting model framework for unsecured consumer and business credit cards, leveraging thousands of data attributes with partner extensibility for calibration.
- End to End Credit Card Solution for Fintechs End-to-end credit card issuance, processing, and program management package for fintechs to rapidly build and launch revolving consumer and SMB credit card programs, with a target of getting fintech customers to market in under 90 days.
- Modern Credit Card Platform for Financial Institutions Cloud-native credit card platform solution package for financial institutions to build and launch credit card programs with reduced operational and compliance expenses, including credit core, card issuance and processing, and decision engine.
- Co-brand and Agent Credit Card Programs for Community Banks Turnkey co-brand and agent credit card program solution for community banks and credit unions to deliver consumer and business credit card offerings with zero credit risk and flexible portfolio economics.
- Embedded Credit Card Programs for Platforms and Marketplaces Embedded and enriched SMB and commercial revolving credit card solution for vertical SaaS platforms, marketplaces, and merchant acquirers, with built-in support for authorized users, virtual/physical cards, dynamic spend controls, and real-time transaction data.
Quantifiable outcome
- Time to market reduced to under 90 days for fintech customers
- +1 more outcomes
Companies that use Tallied Technologies
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Tallied Technologies technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature8 records
Tallied Technologies partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and supporting.
- FinWise BancorpcoreFinWise Bancorp announced a partnership with Tallied Technologies to deliver credit card products and processing solutions, with plans to launch two Mastercard co-branded credit card programs. Tallied manages card processing and services while FinWise serves as the issuing bank and provides compliance oversight. The partnership supports fintech platforms and expands revenue streams through credit card programs.
- MastercardcoreMastercard serves as the payment network for credit card programs built on Tallied's platform. The partnership enables co-branded credit card programs through partner banks.
- Tag SystemssupportingTrusted technology partner providing card fulfillment and processing services integrated with Tallied's platform.
- VerventsupportingTrusted partner for card servicing and compliance services integrated with the Tallied platform ecosystem.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Tallied Technologies competitors and assessment
Company assessmentDirect peers
- Synctera: BaaS platform pairing fintechs with community banks as sponsor-bank partners for card and deposit programs. Highly comparable to Tallied given the explicit community bank and credit union focus area.
- Lithic: API-first card issuing platform focused on fintechs and developers with a single-integration model for physical and virtual cards. Directly competes with Tallied for the same fintech developer-led customer segment.
- i2c: Global issuer-processor providing cloud-based platforms for credit, debit, and prepaid card programs. Tallied and i2c both sell end-to-end program management and processing into fintechs and financial institutions.
- Marqeta: Public card-issuing platform providing modern API infrastructure for consumer and commercial card programs. Closely comparable to Tallied as both target fintechs, banks, and platforms with API-first issuance, processing, and program management.
- Treasury Prime: Banking-as-a-service platform providing APIs for accounts, cards, and payments through a network of sponsor banks. Overlaps with Tallied in offering embedded card programs to fintechs and platforms.
- Unit: Embedded finance platform offering banking-as-a-service including card issuing, accounts, and lending infrastructure. Directly comparable to Tallied for embedded credit card programs targeting platforms and fintechs.
- Galileo Financial Technologies: SoFi-owned card issuing and processing platform offering APIs, decisioning, servicing, and program management. Directly comparable to Tallied across the same fintech, FI, and embedded credit card use cases.
Emerging players
- Solid Financial: Issuer-processor focused on fintechs with modern APIs, BIN sponsorship, and program management. Comparable to Tallied for embedded credit card programs serving fintech and platform customers.
- Highnote: Modern card-issuing platform targeting fintechs and brands with full-stack issuance, ledger, and program management. Comparable to Tallied as an emerging modern alternative to legacy processors.
Broad incumbents
- Stripe Issuing: Card-issuing API product from Stripe, sitting within Stripe's broader payments platform. Overlaps with Tallied for fintech and developer-led credit card issuance, though Stripe Issuing is one capability among many.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Tallied Technologies social profiles
Digital presenceTallied Technologies compliance and trust
Trust signalCompliance1 record
Tallied Technologies financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tallied Technologies leadership team
Management profileNumber of profiles
Profiles5 records
Tallied Technologies funding detail
Funding detailFunding overview
Funding rounds1 record
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tallied Technologies 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 Tallied Technologies
What does Tallied Technologies do?
Tallied Technologies provides a cloud-native, API-first credit card operating system (ccOS) that enables fintechs, financial institutions, community banks, credit unions, and platforms to build, launch, and scale consumer and corporate credit card programs through a single integration. The platform combines a bi-temporal Modern Credit Core, developer-friendly APIs with sandbox access, a white-label cardholder UX, a programmable rewards engine, AI-powered cardholder servicing, and built-in decisioning and underwriting to deliver end-to-end program management and processing.
Is Tallied Technologies a public or private company?
Tallied Technologies is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tallied Technologies founded?
Tallied Technologies was founded in 2021. It employs 11 to 50 people.
Where is Tallied Technologies based?
Tallied Technologies is headquartered in San Francisco, United States, in the North America region.
How does Tallied Technologies make money?
Three revenue lines are on record. Platform/Program Management Fees are the primary driver. The others are technology Licensing and sponsor Bank Partnership Revenue.
Who are Tallied Technologies's main competitors?
Direct peers on record are Synctera, Lithic, i2c, Marqeta, Treasury Prime, Unit and Galileo Financial Technologies. Emerging players are Solid Financial and Highnote. Stripe Issuing is listed as a broad incumbent.
Does Tallied Technologies have an API?
Yes. Tallied provides developer-friendly, fully documented APIs that enable teams to build and launch credit card programs. The APIs support the entire credit card lifecycle including application flow, underwriting, transaction processing, spend controls, card issuance, rewards management, and reporting. The platform includes sandbox access for development and testing. Developer documentation is at developer.tallied.io/docs/tallied-api.
What industry is Tallied Technologies in?
Tallied Technologies's product category is Credit Card Infrastructure Software. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAGALAC, Embedded Card Issuing & Card-as-a-Service. Its NAICS code is 522210 and its SIC code is 7372.