What Total Card does

Total Card Inc. is a private credit card account servicing provider founded in 2001 and headquartered in Sioux Falls, South Dakota. The company operates a B2B2C white-label platform — branded MyCCPay.com — that provides back-office account management, payment processing, and cardholder support infrastructure to partner issuing banks, including The Bank of Missouri, Synovus Bank, MRV Banks, and Monterey County Bank. Cardholders serviced through the platform hold a portfolio of branded programs such as Emblem Mastercard, Total Visa, First Access Card, Total Select, First Digital, First Progress, First Latitude, Revvi, and Revvi Elite, with cardholder agreements versioned through 2025.

The technology stack is a web-based consumer account center providing 24/7 self-service for balance viewing, available-credit checks, transaction history review, online bill payment, and password/account recovery. Bank partners access this front end under their own brands and retain the issuing relationship, while Total Card operates the servicing layer. Distribution is entirely indirect, mediated through partner banks — Total Card does not market directly to consumers. Pricing is not publicly disclosed; the revenue model is described as recurring servicing fees paid by partner financial institutions for the operation of the platform and associated customer support.

Total Card maintains a 51-100 employee headcount, has no disclosed funding rounds, no parent company, no M&A activity, and no external investors in the source data. The firm appears founder-owned and independently operated. Compliance posture is limited to consumer privacy disclosures (CCPA-applicable Digital Privacy Policy; GDPR-style privacy documentation), consistent with a U.S. consumer-facing financial services servicer. There is no evidence of mobile applications, open APIs, AI/ML capabilities, or international operations.

Name

Total Card

Legal name

Total Card Inc.

Website

https://myccpay.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

Total Card Inc. is a private B2B2C credit card account servicing provider operating the white-label MyCCPay.com platform for partner issuing banks (notably The Bank of Missouri and Synovus Bank), enabling online balance viewing, payment, and account management for consumer cardholders across multiple branded programs.

Ownership category

akta.pro rank

Product category

Credit Card Servicing Platform

NAICS

Activities Related to Credit Intermediation (5223), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Cards Operations (Issuing/Acquiring Support, Disputes & Chargebacks) (FSABALAC)

akta.pro secondary industry

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

Keywords

• Credit card servicing
• Account management platform
• Online bill payment
• Cardholder services
• Payment processing

Headquarters

HQ city

Sioux Falls

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure

Revenue model

1. Credit Card Servicing Fees: Total Card generates revenue by providing credit card account servicing infrastructure to partner issuing banks. The company handles account management, payment processing, and customer support for multiple credit card programs on behalf of financial institution partners.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Total Card operates the MyCCPay.com online account management platform, providing white-label credit card servicing infrastructure for partner issuing banks including The Bank of Missouri, Synovus Bank, MRV Banks, and Monterey County Bank. The company handles account management, payment processing, customer support, and 24/7 online account access across multiple credit card programs including secured, standard, and specialty cards.

Product overview

Total Card operates as a credit card account management service provider, offering the MyCCPay Account Center — a unified web-based portal that aggregates multiple credit card programs from partner banks including The Bank of Missouri, MRV Banks, Synovus, and Monterey County Bank. The portfolio includes sub-branded credit card products such as Emblem MasterCard, Total Visa, First Access Card, First Phase Visa, and Total Select (for The Bank of Missouri), and First Digital, First Progress, First Latitude, Revvi, and Revvi Elite (for Synovus Bank). Customers access these cards through the single MyCCPay platform for account viewing, transaction management, bill payment, and agreement retrieval.

Differentiator

Problem solved

Functional benefit

Brands

• Emblem Mastercard: Credit card product offered through The Bank of Missouri with various annual fee structures
• Total Visa
• First Access Card
• First Phase Visa
• Total Select
• First Digital
• First Progress
• First Latitude
• Revvi
• Revvi Elite

Products and services

• MyCCPay Account Center Web-based portal enabling credit card holders to view account balances, review transactions, manage accounts, and pay bills online 24/7. Serves cardholders from partner banks including The Bank of Missouri, MRV Banks, Synovus, and Monterey County Bank.
• Credit Card Program Servicing (White-Label) End-to-end credit card program servicing including account management, payment processing, customer support, and cardholder agreement hosting for partner issuing banks. Supports multiple card product types and brands under partner banks' names.

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• The Bank of MissouricoreChannel Partner/ Reseller/ DistributorThe Bank of Missouri partners with Total Card for credit card program servicing infrastructure. Total Card provides the account management platform (MyCCPay) and operational support for multiple card products including Emblem Mastercard, Total Visa, First Access Card, First Phase Visa, and Total Select programs.
• Synovus BankcoreChannel Partner/ Reseller/ DistributorSynovus Bank partners with Total Card for credit card servicing through multiple programs including First Digital, First Progress, First Latitude, Revvi, and Revvi Elite credit cards. Total Card provides the account management platform and cardholder agreement hosting.
• MRV BanksminorChannel Partner/ Reseller/ DistributorMRV Banks is mentioned as a partner for credit card account servicing through Total Card's MyCCPay platform.
• Monterey County BankminorChannel Partner/ Reseller/ DistributorMonterey County Bank is mentioned as a partner for credit card account servicing through Total Card's MyCCPay platform.

Recent moves6 records

Expansion highlights3 records

Direct peers

• Galileo Financial Technologies: Galileo provides a card-issuing and processing platform used by banks and fintechs. Like Total Card, it powers credit card programs for partner institutions via APIs and servicing infrastructure, making it the closest modern comparable.
• CoreCard Software: CoreCard builds credit-card processing and account management software used by issuers and program managers. It directly competes with Total Card in the white-label credit card servicing and account management space.
• Velera (formerly PSCU): Velera provides credit and debit card processing, fraud, and account servicing for credit unions and community banks. Like Total Card, it supports partner financial institutions that issue cards under their own brands.

Emerging players

• Marqeta: Marqeta operates a modern card-issuing platform used by fintechs and banks to launch card programs with API-first capabilities. It overlaps with Total Card's white-label card servicing, but targets a more tech-native client base.
• Lithic: Lithic is a developer-friendly card-issuing infrastructure provider for fintechs and embedded card programs. It competes with Total Card for bank and fintech issuing/management workloads but is not a direct portal-only competitor.
• Stripe Issuing: Stripe Issuing enables fintechs and platforms to launch branded card programs with API-based infrastructure. It is adjacent to Total Card's white-label card servicing, though typically aimed at fintech/tech-first issuers.

Broad incumbents

• FIS (Fidelity National Information Services): FIS is a global financial technology giant offering card issuing, processing, and servicing to banks worldwide. As a broad incumbent, it competes with Total Card for large bank servicing mandates and offers overlapping account management tools.
• Fiserv: Fiserv provides core banking and card processing services to banks and credit unions, including credit card account management and servicing, overlapping with Total Card's B2B2C offering.
• Jack Henry & Associates: Jack Henry provides core banking and card processing technology to community and regional banks in the US. Several of Total Card's partner banks are in Jack Henry's installed base, making it both a partner channel and a competitor.

Others

• Treasury Prime: Treasury Prime is a banking-as-a-service platform that connects fintechs and banks. It is adjacent rather than directly competitive but enables card programs that compete for the same bank-issued credit-card workloads serviced by Total Card.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Total Card