What Strivve does

Strivve (Strivve, Inc.) is a Seattle-based, privately held fintech infrastructure company founded around 2016 that provides a patented card-on-file automation platform for card issuers. Its core CardSavr platform uses agentic AI, machine learning, and robotic process automation to autonomously navigate third-party merchant websites and place or update payment cards on behalf of cardholders, without requiring merchant-side cooperation or API access. The technology is protected by two granted US patents (10,372,980 and 10,846,665) and is supported by JavaScript, .NET, and Java SDKs alongside a REST API documented at developers.strivve.com. Strivve claims the industry's largest directory of supported merchant sites, covering 142+ sites including Amazon, Netflix, Uber, DoorDash, and major billers, with 200+ production card issuers live and 93 million card accounts under contract as of the April 2026 Market Signal publication.

The company addresses a structural problem in card issuance: roughly 30-35% of cards turn over annually and only 11-12% last until expiration, breaking existing card-on-file relationships and ceding recurring interchange revenue to competitor cards that remain stored at checkout. Strivve's product portfolio includes CardSavr API for deep digital banking integration, CardUpdatr as a cardholder-facing web/mobile experience, CardLinks Engage for marketing-driven campaigns via email/SMS/direct mail, and CardLinks Emboss for QR-code-triggered placement at the moment of card issuance. Distribution occurs through a tiered partner program, direct enterprise sales, and embedded integrations with platforms such as Alkami (announced November 2020) and Fiserv's Optis platform (announced June 2026, supporting 1.1 billion accounts).

Revenue is generated primarily through a pay-per-successful-placement transaction model, with card issuers paying only when a card is successfully stored on a merchant site; enterprise and white-label arrangements use custom subscription pricing, and the partner program offers referral, revenue share, and per-site integration tiers. The company operates primarily in North America (US and Canada), holds PCI-DSS certification, and runs on an isolated AWS infrastructure with dual-key AES-256 encryption and zero-knowledge authentication. Total disclosed funding since inception is approximately $9.2 million across rounds in 2017, 2019, and 2023, and the company employs 11-50 people.

Name

Strivve

Legal name

Strivve, Inc.

Website

https://strivve.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Strivve provides a patented card-on-file automation platform that uses agentic AI and RPA to place cardholders' payment cards as the default method across 142+ online merchant sites. It serves 200+ banks, credit unions, fintechs, and digital banking platforms via API, SDK, and embedded integrations.

Ownership category

akta.pro rank

Product category

Card-on-File Automation / Payments Software

NAICS

Software Publishers (513210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

akta.pro secondary industry

Embedded Card Issuing & Card-as-a-Service (FSAGALAC)

Keywords

• Card-on-file automation
• Top of wallet
• Digital banking integration
• Card issuer platform
• Payment credential automation

Headquarters

HQ city

Seattle

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Pay-per-successful-placement: Strivve charges card issuers a fee only when a card is successfully placed on a merchant site. If the card is not stored, the issuer does not pay. This performance-based model aligns incentives and eliminates upfront risk for financial institution customers.
2. Platform Integration (Per-site pricing): For platform integration partners embedding CardSavr technology via API and SDK, Strivve charges per-site pricing. Partners can choose from Referral Partner (commission per placement), Revenue Share (ongoing percentage of revenue from placements), or Platform Integration (per-site pricing model) tiers.
3. Enterprise / White Label: Full platform access with custom pricing structure for enterprise and white-label customers. Includes dedicated support team and SLA/priority access.
4. Campaign-specific pricing: For marketing-focused campaigns (CardLinks Engage), Strivve offers campaign-specific pricing. Digital Solutions pricing is structured with one-time per-site charges, with all future payment income retained 100% by the issuer.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Strivve provides a patented card-on-file automation platform (CardSavr) that uses agentic AI and robotic process automation to place card issuers' payment cards as the default payment method across 142+ online merchant sites without merchant API, permission, or engagement. The platform is delivered to banks, credit unions, and fintechs via embedded REST API/SDK integration into digital banking applications, QR-code-based card issuance flows, and email/SMS/direct mail marketing campaigns, with operations on a pay-per-successful-placement pricing model.

Product overview

Strivve is a card-on-file automation platform that helps banks, credit unions, and fintechs place their payment cards as the default payment method across 142+ online merchant sites. The product portfolio centers on the CardSavr Platform (the core patented technology protected by U.S. patents 10,372,980 and 10,846,665), which offers three primary go-to-market products: CardSavr API for direct digital banking integration, CardLinks Engage for marketing-driven campaigns via email/SMS/direct mail, and CardLinks Emboss for QR-code-driven placement at card issuance. A complementary consumer-facing product called CardUpdatr provides the web/mobile cardholder experience. The platform operates on a pay-for-success model, charging only for successful card placements. Built on 10+ years of agentic AI and machine learning technology, the platform uses autonomous agents and robotic process automation to navigate merchant websites and update card credentials automatically.

Differentiator

Problem solved

Functional benefit

Brands

• CardSavr: The core card-on-file automation platform technology that enables card placement across merchant sites using API integration.
• CardUpdatr
• CardLinks Engage
• CardLinks Emboss
• TopWallet Playbook
• Top of Wallet

Products and services

• CardSavr Platform Core card-on-file automation platform that uses patented agentic AI and machine learning to navigate merchant websites and place issuer payment cards as the default payment method across 142+ online merchant sites; offered for embedding into card issuers' digital banking experiences.
• CardSavr API REST API and SDKs (JavaScript, .NET, Java) for digital banking platforms to embed card-on-file placement directly into their applications, with real-time job progress tracking and credential management capabilities.
• CardLinks Engage Marketing-led card-on-file solution enabling issuers to launch card placement campaigns via email, SMS, and direct mail without any digital banking integration, targeting cardholder moments like new card activation, dormant card reactivation, and seasonal promotions.
• CardLinks Emboss Card issuance integration pairing card-on-file placement with new card delivery. QR codes on physical card carriers launch instant placement flows so newly issued cards are stored on merchant sites before the cardholder makes their first purchase.
• CardUpdatr Web and mobile cardholder application that enables consumers to update their stored payment cards across multiple merchant accounts simultaneously, including reissued cards (lost, expired, damaged) and newly issued cards, even across different networks; sold to financial institutions as a cardholder-facing add-on to their card-on-file program.
• Top of Wallet Platform Patented platform technology (U.S. patents 10,372,980 and 10,846,665) that enables automatic card-on-file placement at hundreds of merchant and bill pay sites directly from issuers' mobile apps, marketed as the industry-leading card-on-file automation solution serving 200+ production card issuers.

Quantifiable outcome

• Issuers typically see measurable transaction-volume gains within 90 days of deployment
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and moderate.

• FiservcoreTechnology or Integration · 24 June 2026Fiserv and Strivve announced a partnership to provide card issuers with access to Strivve's patented Top of Wallet platform via Fiserv's Optis platform, which supports 1.1 billion accounts and serves 26 of the top 50 credit issuers in North America. The integration enables automatic card-on-file placement at hundreds of merchant and bill pay sites directly from issuers' mobile apps. Issuers typically see measurable transaction-volume gains within 90 days.
• Alkami TechnologycoreTechnology or Integration · 1 November 2020Alkami partnership accelerating card issuers' capture of surging online payment volumes post-COVID. Strivve's card-on-file automation was integrated with Alkami's digital banking platform, enabling financial institutions to deploy card placement capabilities through Alkami-powered banking apps.
• Visa (Testimonial)moderateStrategic or Co-development PartnerJim McCarthy, Former Head of Innovation at Visa, provided a testimonial: 'Card-on-file placement is the next frontier in digital payments. Strivve is leading the way with its innovative approach.' Visa is referenced as the dominant network with 12+ billion tokens issued and 3%+ lift in authorization rates.
• Michigan State University Federal Credit Union (MSUFCU)coreStrategic or Co-development PartnerMSUFCU is Strivve's primary reference customer, providing testimonials and a detailed case study. CEO April Clobes stated: 'Strivve's technology helps us stay competitive by making our cards the default choice for our members' online purchases.' Achieved 96% card-placement success rate and 12x ROI.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Visa Account Updater (Visa Inc.): Visa's network-operated Account Updater service pushes updated card credentials to enrolled merchants during reissuance events. It is the most direct alternative for the card-update portion of Strivve's value proposition, and Strivve itself positions CardUpdatr as complementary to VAU rather than competitive, making the two the closest functional substitutes in the market.
• Mastercard Automatic Billing Updater (Mastercard): Mastercard's ABU service is the network-operated analog to Visa VAU, providing credential updates to enrolled merchants at reissuance. Like VAU, ABU is positioned by Strivve as complementary rather than overlapping for new-site placement, but it represents the same core card-update problem set for issuers.
• Marqeta: Marqeta is a modern card-issuing platform whose API-first infrastructure and fintech/banking customers overlap with Strivve's target buyer. While Marqeta focuses on issuance and transaction processing, its issuer customers face the same top-of-wallet problem Strivve solves, making it a strategic peer for ecosystem and partnership decisions.
• Galileo Financial Technologies (SoFi): Galileo provides card-processing and program-management infrastructure for fintechs and banks. It serves many of the same issuer customers as Strivve and sits one layer below in the issuing stack, making it both a distribution channel candidate and a competitive threat if it adds card-on-file placement capabilities.
• Spreedly: Spreedly offers a payment-orchestration platform that vaults and routes payment methods across multiple gateways, solving card-management friction for merchants and platforms. Its API-first design and focus on card credential lifecycle make it functionally comparable to Strivve on the merchant/integration side, even though Spreedly does not specialize in issuer card-on-file placement.

Broad incumbents

• FIS Global (Fidelity National Information Services): FIS is a large incumbent provider of card-processing, output solutions, and digital banking software used by thousands of financial institutions. Its card-management and digital-channel products compete broadly with Strivve's CardSavr and may bundle competing card-update functionality, making FIS the most likely incumbent threat.
• ACI Worldwide: ACI Worldwide provides enterprise-grade card-management, fraud, and payments software to banks and processors globally. Its card-management suite addresses issuer-side card lifecycle needs overlapping with Strivve's value proposition, and its scale makes it a credible broad incumbent alternative for large bank customers.
• Plaid: Plaid is a broad incumbent in financial data connectivity, used by most major US banks and fintechs. While Plaid does not directly compete with Strivve's card-on-file placement, its connectivity layer sits adjacent in the issuer technology stack and could expand into merchant-credential workflows.

Emerging players

• Lithic: Lithic (formerly Privacy.com) is an emerging API-first card-issuing platform targeting fintechs and digital-first banks. Its modern issuer stack overlaps with the ecosystem where Strivve's CardSavr is embedded, and Lithic could either partner with Strivve or develop competing card-management features for its issuing customers.
• Highnote: Highnote is an emerging, modern card-issuing and ledger platform serving fintechs, embedded-finance startups, and digital banks. Like Lithic, it competes for the same API-first issuer customers and partner ecosystem, making it a comparable emerging peer for ecosystem positioning.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• GitHubgithub.com/swch
• LinkedInlinkedin.com/company/strivve
• Xx.com/StrivveFI
• Facebookfacebook.com/StrivveFI

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Strivve