CoreCard Software
CoreCard Software is a Norcross, Georgia-based issuer processing platform acquired by Euronet Worldwide in October 2025, providing API-centric, cloud-ready end-to-end card issuing and processing solutions across credit, debit, prepaid, BNPL, installment, and private label programs for financial institutions, fintechs, and card issuers worldwide.
- Company typePrivate
- Founded2001
- HeadquartersNorcross, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What CoreCard Software does
CoreCard Software is a Norcross, Georgia-based technology company that builds account management and issuer processing platforms for financial institutions, fintech companies, and card issuers. Founded in 2001 and now a wholly-owned subsidiary of Euronet Worldwide (NASDAQ: EEFT, acquired October 2025), the company operates as a B2B issuer processor providing end-to-end solutions across six core product lines — Credit, Installment Loans, Buy Now Pay Later, Debit, Pre-Paid, and Private Label — supported by Fraud Detection, Transaction Validation, Chargeback Management, Customer Communications, and Reconciliation & Settlement services.
The platform is built on a unified, API-centric architecture that is cloud-ready, elastic, programmatically scalable, and operates with zero downtime under a 24/7/365 global servicing model. CoreCard supports multiple payment networks including Mastercard (with regulated credit program deployment in approximately two months) and India's RuPay (via NPCI Partner Program certification held by CoreCard India). Deployment models include hosted, managed, and licensed options, with implementation delivered through End-to-end Processing, Full Package Implementation, or Custom Development engagements.
Commercially, CoreCard operates a sales-led, direct enterprise model targeting banks, credit unions, fintechs, and card issuers with negotiated enterprise contracts, typically on subscription/recurring terms with annual billing cadence. Pricing is not publicly disclosed. The company's value proposition centers on rapid deployment of regulated card programs, multi-card-type support on a single platform, flexible API integrations, and precise daily ("penny-perfect") reconciliation. CoreCard India is a regional subsidiary focused on credit card processing and RuPay prepaid certification services in the Indian market.
CoreCard Software firmographics
Firmographics- Name
- CoreCard Software
- Legal name
- CoreCard Software, Inc.
- Website
- https://corecard.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Acquired
- Headcount range
- 101–250 employees
- Short description
- CoreCard Software is a Norcross, Georgia-based issuer processing platform acquired by Euronet Worldwide in October 2025, providing API-centric, cloud-ready end-to-end card issuing and processing solutions across credit, debit, prepaid, BNPL, installment, and private label programs for financial institutions, fintechs, and card issuers worldwide.
- Ownership category
- akta.pro rank
CoreCard Software industry classification
Industry- Product category
- Issuer Processing Software
- NAICS
- Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- 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
- Card Issuing & Program Management Platforms (BPAMAFAH), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), BNPL Card / Virtual Card Programs (FSAKACAC)
Keywords
Where CoreCard Software is headquartered
LocationHeadquarters
- HQ city
- Norcross
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CoreCard Software business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Issuer Processing Services: B2B issuer processing platform providing credit, prepaid, and debit card issuing services to financial institutions, fintech companies, and card issuers. Revenue is generated through service contracts with client financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise B2B pricing for financial institutions and fintech companies |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
CoreCard Software product offering
Product offeringCore offering
CoreCard Software builds and operates a cloud-ready, API-centric issuer processing platform that enables financial institutions, fintech companies, and card issuers to launch and manage credit, prepaid, debit, Buy Now Pay Later, installment loan, and private label card programs. The platform offers end-to-end processing including fraud detection, transaction validation, chargeback management, reconciliation and settlement, and customer communications, delivered via hosted, managed, or licensed deployment models.
Product overview
CoreCard is a global modern issuer processor providing end-to-end solutions across credit, prepaid, and debit card categories. The platform operates on a unified architecture with six core product lines (Credit, Installment Loans, Buy Now Pay Later, Debit, Pre-Paid, and Private Label) supported by five service offerings (Fraud Detection, Transaction Validation, Chargeback Management, Customer Communications, and Reconciliation & Settlement). The technology stack features four key solution pillars (API, Networks, Digital First, and CoreModules) and three implementation approaches (End-to-end Processing, Full Package Implementation, and Custom Development). The company delivers its platform with flexible deployment options (hosted, managed, licensed), cloud-ready architecture, and 24/7/365 global servicing, targeting financial institutions, fintech companies, and card issuers.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit End-to-end credit card processing solutions enabling financial institutions and fintech companies to issue and manage credit card programs.
- Installment Loans Processing solutions for installment loan products, enabling issuers to offer fixed payment schedules to cardholders.
- Buy Now Pay Later BNPL-enabled credit solutions that allow cardholders to split purchases into installment payments.
- Debit Debit card processing and management solutions within the unified platform.
- Pre-Paid Prepaid card program support across various use cases with reloadable and one-time load capabilities.
- Private Label Private label card solutions enabling retailers and financial institutions to launch branded card programs.
- Fraud Detection Security services to identify and prevent fraudulent transactions in real-time.
- Transaction Validation Services for validating and authorizing transactions through the payment network.
- Chargeback Management End-to-end chargeback handling and dispute resolution services.
- Customer Communications Multi-channel communication tools to engage cardholders throughout their lifecycle.
- Reconciliation & Settlement Support Financial reconciliation and settlement services ensuring accurate transaction matching and daily penny-perfect reconciliation.
- End-to-end Processing Implementation Comprehensive card processing implementation from issuance through transaction authorization and settlement.
- Full Package Implementation Complete implementation services covering the full spectrum of card program deployment.
- Custom Development Tailored development services enabling customized card programs based on unique business needs.
Quantifiable outcome
- Deploy regulated Mastercard credit programs in approximately two months, significantly faster than traditional bank-grade issuing timelines
Companies that use CoreCard Software
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
CoreCard Software technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
CoreCard Software partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MastercardcoreCoreCard maintains a strategic technology partnership with Mastercard for card issuing capabilities. The partnership enables CoreCard to deploy regulated Mastercard credit programs for financial institutions. CoreCard's platform supports Mastercard-powered programs including secured revolving credit, BNPL-enabled credit, consumer and commercial credit, and co-brand portfolios. The partnership was recognized with Mastercard's Excellence in Agility Award in December 2025.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
CoreCard Software competitors and assessment
Company assessmentDirect peers
- Marqeta: Marqeta is a leading modern card-issuing platform offering API-first infrastructure for fintechs and banks to launch and manage credit, debit, and prepaid programs — directly comparable to CoreCard's issuer processing focus and target customer base.
- Galileo Financial Technologies: Galileo provides API-based card issuing and processing infrastructure for fintechs and banks, acquired by SoFi. It mirrors CoreCard's B2B SaaS-style issuer processing model with multi-card-type support and programmable APIs.
- i2c: i2c delivers a flexible, cloud-based platform for credit, debit, prepaid, and commercial card issuing with rapid deployment — closely aligned with CoreCard's value proposition of fast, multi-card-type implementation for financial institutions.
- Global Processing Services (GPS): GPS is a UK-headquartered issuer processor providing programmable card-issuing technology for banks, fintechs, and brands across prepaid, debit, and credit — comparable in technology stack and customer mix.
Broad incumbents
- Stripe Issuing: Stripe Issuing is part of Stripe's broader payments platform offering API-driven card creation and management to businesses — overlap with CoreCard's API-centric issuance, though it's a feature within Stripe's much wider stack.
- Fiserv: Fiserv is a large-scale incumbent in card services and core account processing, serving thousands of financial institutions with credit and debit issuing capabilities — competes with CoreCard in the bank-modernization segment, though as part of a much broader portfolio.
- FIS (Fidelity National Information Services): FIS provides card services, issuer processing, and core banking platforms to global financial institutions — its issuer processing line (formerly Worldpay/Mercury) competes with CoreCard's modern offering for bank card programs.
Emerging players
- Marqeta (Found) / Found Business Banking: Found is a fintech operating on top of Marqeta-style issuing infrastructure to serve small business banking — illustrative of the issuer-processing customer pattern CoreCard targets with digital-first, API-centric programs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
CoreCard Software social profiles
Digital presenceCoreCard Software financial estimates
Financial estimateRevenue estimate
Valuation estimate
CoreCard Software leadership team
Management profileNumber of profiles
Profiles5 records
CoreCard Software subsidiaries and ownership
Company hierarchySubsidiaries1 record
CoreCard Software funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CoreCard Software 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 CoreCard Software
What does CoreCard Software do?
CoreCard Software builds and operates a cloud-ready, API-centric issuer processing platform that enables financial institutions, fintech companies, and card issuers to launch and manage credit, prepaid, debit, Buy Now Pay Later, installment loan, and private label card programs. The platform offers end-to-end processing including fraud detection, transaction validation, chargeback management, reconciliation and settlement, and customer communications, delivered via hosted, managed, or licensed deployment models.
Is CoreCard Software a public or private company?
CoreCard Software is a private company. It is classified as corporate owned and is currently acquired.
When was CoreCard Software founded?
CoreCard Software was founded in 2001. It employs 101 to 250 people.
Where is CoreCard Software based?
CoreCard Software is headquartered in Norcross, United States, in the North America region.
How does CoreCard Software make money?
One revenue line is on record: issuer Processing Services.
Who are CoreCard Software's main competitors?
Direct peers on record are Marqeta, Galileo Financial Technologies, i2c and Global Processing Services (GPS). Broad incumbents are Stripe Issuing, Fiserv and FIS (Fidelity National Information Services). Marqeta (Found) / Found Business Banking is listed as an emerging player.
Does CoreCard Software have an API?
Yes. CoreCard offers API-centric solutions enabling end-to-end integrations with customers, vendors, and cardholders through flexible API sets. The platform is designed for digital-first implementations and supports rapid integrations. Specific API endpoints, documentation URL, authentication methods, rate limits, and SDK availability are not specified in the source material.
What industry is CoreCard Software in?
CoreCard Software's product category is Issuer Processing Software. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of BPAMAFAH, Card Issuing & Program Management Platforms. Its NAICS code is 522210 and its SIC code is 7372.