CardInfoLink
CardInfoLink is a Shanghai-based digital payments infrastructure provider, founded in 2010, that serves banks, financial institutions, and merchants in Asia Pacific with acquiring, gateway, and virtual card services, and now operates the Agenzo agentic commerce platform enabling AI agents to execute authenticated payments in travel and mobility.
- Company typePrivate
- Founded2010
- HeadquartersShanghai, China
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What CardInfoLink does
CardInfoLink (CIL) is a Shanghai-headquartered, privately held digital payments infrastructure company founded in 2010, serving banks, financial institutions, and merchants across Asia Pacific. Its core offerings include EvoCloud (acquiring host and gateway services), Pay-Tech (payment technology development), Virtual Card (issuing and gateway), and Digital Marketing Solutions, which it sells primarily through direct enterprise channels to financial institutions.
The company's strategic center of gravity has shifted toward its Agenzo platform, an agentic commerce infrastructure that enables AI agents to transact with merchants — primarily in travel, hospitality, and mobility — through governed, cryptographically verifiable, and auditable channels built on open standards. Agenzo integrates Affinidi's Agent Gateway for independent trust and governance, and routes transactions through Mastercard Agent Pay using Payment Passkeys and tokenized credentials for consumer verification. CardInfoLink's AI agent has executed the first live AI-powered ride booking transactions in Hong Kong (with HSBC and DBS Hong Kong), Singapore (with DBS and UOB), and Malaysia (with CIMB and RHB), and has completed authenticated agentic transactions across 8+ Asia Pacific markets including Australia, New Zealand, India, South Korea, and Taiwan. The company aligns with the Singapore IMDA governance framework for agentic AI.
CardInfoLink operates with 51–100 employees and discloses a transaction-fee revenue model tied to AI agent payments processed through Agenzo; revenue figures, funding history beyond two older undisclosed rounds, and ownership structure are not publicly available. James Zhao serves as Chief Executive Officer.
CardInfoLink firmographics
Firmographics- Name
- CardInfoLink
- Legal name
- CardInfoLink
- Website
- https://cardinfolink.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CardInfoLink is a Shanghai-based digital payments infrastructure provider, founded in 2010, that serves banks, financial institutions, and merchants in Asia Pacific with acquiring, gateway, and virtual card services, and now operates the Agenzo agentic commerce platform enabling AI agents to execute authenticated payments in travel and mobility.
- Ownership category
- akta.pro rank
CardInfoLink industry classification
Industry- Product category
- Payment Infrastructure Software
- NAICS
- Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB)
- akta.pro secondary industries
- Card Issuing Platforms (Issuer Processing) (FSAGABAD), Card Issuing & Program Management Platforms (BPAMAFAH), Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where CardInfoLink is headquartered
LocationHeadquarters
- HQ city
- Shanghai
- HQ country
- China
- HQ region
- Asia
Offices1 record
Markets served
CardInfoLink business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Agentic Commerce Infrastructure: Provides agentic commerce platform infrastructure enabling AI agents to execute transactions for travel and hospitality merchants. Revenue model based on transaction fees for AI agent payments processed through the Agenzo platform.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
CardInfoLink product offering
Product offeringCore offering
CardInfoLink builds digital payment infrastructure for banks, financial institutions, and merchants, including acquiring host and gateway services (EvoCloud), payment technology development (Pay-Tech), virtual card issuing and gateway, and digital marketing solutions. The company also operates the Agenzo agentic commerce platform, which enables AI agents to execute transactions with merchants through governed, cryptographically verifiable, auditable channels built on open standards, primarily serving the travel, hospitality, and mobility sectors.
Product overview
CardInfoLink offers a unified platform-plus-modules architecture centered on digital payment solutions for banks and financial institutions. The core offering includes EvoCloud (acquiring host and gateway), Pay-Tech (payment technology development), Virtual Card (issuing and gateway), and Digital Marketing Solutions. Additionally, the Agenzo platform enables agentic commerce for travel and hospitality merchants, allowing AI agents to conduct transactions through governed, cryptographically verifiable channels. The company leverages cutting-edge payment technologies including AI agent processing with Mastercard Payment Passkeys and tokenized credentials.
Differentiator
Problem solved
Functional benefit
Brands
- Agenzo: Agentic commerce platform enabling AI agents to transact with merchants in travel and hospitality sectors
- Payment+
Quantifiable outcome
- First commercial deployment in Asia of AI agents operating under independent trust and governance layer
- +1 more outcomes
Companies that use CardInfoLink
Customer profileNamed customers11 records
Segments3 records
Ideal customer profiles2 records
CardInfoLink technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature4 records
CardInfoLink partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, flagship and major.
- AffinidicoreAffinidi and CardInfoLink have deployed Affinidi's Agent Gateway on CardInfoLink's Agenzo platform, marking the first commercial deployment in Asia of AI agents operating under an independent trust and governance layer for agentic commerce in travel and hospitality. The solution enables AI agents to transact with merchants through a governed, cryptographically verifiable, auditable channel built on open standards.
- MastercardcoreCardInfoLink's AI agent processes bookings and payments for Mastercard's AI-powered transactions, including the first live AI-powered ride booking in Hong Kong. The partnership utilizes Mastercard Payment Passkeys and tokenized credentials, with CardInfoLink serving as the AI agent payment processor in the Mastercard Agent Pay ecosystem.
- HSBC Hong KongflagshipHSBC Hong Kong is a participating bank supporting AI agent payment processing for ride booking transactions in Hong Kong, utilizing tokenized credentials and Mastercard Payment Passkeys.
- DBS Hong KongflagshipDBS Hong Kong is a participating bank supporting AI agent payment processing for ride booking transactions, utilizing tokenized credentials and Mastercard Payment Passkeys.
- Citi Hong KongmajorCiti Hong Kong supports AI agent transactions across card types issued in Hong Kong, integrated with Mastercard Agent Pay infrastructure.
- Hang Seng BankmajorHang Seng Bank supports AI agent transactions across card types issued in Hong Kong, integrated with Mastercard Agent Pay infrastructure.
- Standard Chartered Hong KongmajorStandard Chartered Hong Kong supports AI agent transactions across card types issued in Hong Kong, integrated with Mastercard Agent Pay infrastructure.
- CIMBflagshipCIMB is a participating bank in Malaysia for CardInfoLink's first authenticated AI agentic transaction pilot, testing how AI agents can execute payments with consumer consent and security safeguards.
- RHBflagshipRHB is a participating bank in Malaysia for CardInfoLink's first authenticated AI agentic transaction pilot, testing how AI agents can execute payments with consumer consent and security safeguards.
- DBS BankflagshipDBS Bank partnered with CardInfoLink for the first live autonomous AI agent payment transaction in Singapore, where an AI agent booked a ride to Changi Airport using tokenized credentials and Mastercard Payment Passkeys.
- United Overseas Bank (UOB)flagshipUOB partnered with CardInfoLink for the first live autonomous AI agent payment transaction in Singapore, where an AI agent booked a ride to Changi Airport using tokenized credentials and Mastercard Payment Passkeys.
- hoppacorehoppa is the global mobility provider through which AI agents book rides (to airports and other destinations) using CardInfoLink's payment processing. The partnership enables the core use case for AI agent transactions in transportation.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
CardInfoLink competitors and assessment
Company assessmentDirect peers
- Affinidi: Affinidi is CardInfoLink's core technology partner and builds the Agent Gateway product that runs on CardInfoLink's Agenzo platform. Both companies target the same use case (trust and governance layer for agentic commerce) and compete for similar enterprise payment customers.
Broad incumbents
- Mastercard: Mastercard operates the Agent Pay ecosystem that CardInfoLink processes payments within. Both sell agentic commerce infrastructure to banks and merchants, but Mastercard is the network owner rather than a specialist middleware.
- Visa: Visa is building Visa Intelligent Commerce, a competing agentic AI commerce stack including tokenization, authentication, and APIs for AI agents - directly comparable to CardInfoLink's Agenzo platform, but offered by a global network.
- Adyen: Adyen is a global payment infrastructure platform serving banks and merchants with acquiring, processing, and issuing capabilities. CardInfoLink's EvoCloud and Virtual Card offerings overlap with Adyen's core platform, though CardInfoLink specializes in APAC travel/hospitality.
- Stripe: Stripe provides global payment processing and has been investing in AI agent payment capabilities (e.g., agentic commerce SDKs). Comparable to CardInfoLink on payment infrastructure, though Stripe serves a much broader merchant base globally.
- Checkout.com: Checkout.com is a global payment processor with acquiring, card issuing, and digital banking infrastructure that competes with CardInfoLink's EvoCloud and Virtual Card products across APAC markets.
- Worldpay: Worldpay is a global payment processor offering acquiring, issuing, and merchant services. Comparable to CardInfoLink on payment infrastructure depth, though CardInfoLink specializes in APAC markets and agentic commerce.
Regional players
- CloudWalk: CloudWalk is a China-based payment and AI services company providing acquiring infrastructure and card-based financial services, broadly comparable to CardInfoLink's domestic Chinese business and technology approach.
Emerging players
- Spreedly: Spreedly provides payment orchestration APIs including card issuing, virtual cards, and tokenization - technically overlapping with CardInfoLink's Virtual Card and Pay-Tech platforms, but serving North America/Europe primary markets.
- Marqeta: Marqeta is a card issuing and payment processing platform with strong API-first architecture for virtual and physical card programs. Directly comparable to CardInfoLink's Virtual Card and EvoCloud products, though primarily focused on North America and fintechs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
CardInfoLink social profiles
Digital presenceCardInfoLink financial estimates
Financial estimateRevenue estimate
Valuation estimate
CardInfoLink leadership team
Management profileNumber of profiles
Profiles1 record
CardInfoLink funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CardInfoLink 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 CardInfoLink
What does CardInfoLink do?
CardInfoLink builds digital payment infrastructure for banks, financial institutions, and merchants, including acquiring host and gateway services (EvoCloud), payment technology development (Pay-Tech), virtual card issuing and gateway, and digital marketing solutions. The company also operates the Agenzo agentic commerce platform, which enables AI agents to execute transactions with merchants through governed, cryptographically verifiable, auditable channels built on open standards, primarily serving the travel, hospitality, and mobility sectors.
Is CardInfoLink a public or private company?
CardInfoLink is a private company. It is classified as venture growth investor backed and is currently operating.
When was CardInfoLink founded?
CardInfoLink was founded in 2010. It employs 51 to 100 people.
Where is CardInfoLink based?
CardInfoLink is headquartered in Shanghai, China, in the Asia region.
How does CardInfoLink make money?
One revenue line is on record: agentic Commerce Infrastructure.
Who are CardInfoLink's main competitors?
Affinidi is listed as a direct peer. Broad incumbents are Mastercard, Visa, Adyen, Stripe, Checkout.com and Worldpay. CloudWalk is listed as a regional player. Emerging players are Spreedly and Marqeta.
Does CardInfoLink have an API?
No public API is recorded for CardInfoLink.
What industry is CardInfoLink in?
CardInfoLink's product category is Payment Infrastructure Software. Its primary akta.pro industry code is THALAHAB, Card Issuing & Virtual Cards (lodge cards, single-use, tokenization), with a secondary code of FSAGABAD, Card Issuing Platforms (Issuer Processing). Its NAICS code is 522210 and its SIC code is 6199.