i2c Inc.
- Company typePrivate
- Founded1999
- HeadquartersRedwood City, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
i2c Inc. firmographics
Firmographics- Name
- i2c Inc.
- Legal name
- i2c Inc.
- Website
- https://i2cinc.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
i2c Inc. industry classification
Industry- Product category
- Card Issuing and Banking Payments Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)
- akta.pro secondary industries
- SME & Business Cross-Border Payments (B2B) (FSAMAIAB), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), B2B/EDI & Partner Integration (BPAMAOAJ)
Keywords
Where i2c Inc. is headquartered
LocationHeadquarters
- HQ city
- Redwood City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
i2c Inc. business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- Card Issuer Processing: i2c provides card issuer processing for credit, debit, and prepaid programs. Revenue is generated through transaction processing fees and platform licensing arrangements with financial institutions.
- Core Banking Solutions: Core banking platform services bundled with payment processing capabilities for financial institutions.
- Value-Added Services: Additional services including fraud risk management, customer care, dispute resolution, implementation management, program management support, lifecycle consultation, rewards and loyalty, and reporting and analytics.
- Money Movement: Payment hub services enabling FedNow, Visa Direct, and ACH transactions through API connectivity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise pricing for financial institutions |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
i2c Inc. product offering
Product offeringCore offering
i2c Inc. provides an all-in-one, cloud-native banking and payments platform that enables financial institutions, fintechs, governments, and partners to launch and operate credit, debit, and prepaid card programs, core banking services, and money movement (including FedNow, Visa Direct, and ACH) on a single global technology stack. The platform is delivered through 300+ APIs and 100K+ composable building blocks, complemented by value-added services such as fraud risk management, customer care, dispute resolution, program management, and rewards/loyalty.
Product overview
i2c Inc. provides an all-in-one, unified banking and payments platform designed for financial institutions, fintechs, governments, and partners. The platform architecture consists of core processing products (Issuer Processing for credit/debit/prepaid cards, Core Banking, and Money Movement via Payment Hub) complemented by comprehensive value-added services (Implementation Management, Customer Care, Fraud Risk Management, Dispute Resolution, Program Management, Lifecycle Consultation, Rewards & Loyalty, Reporting & Analytics, and C-Applications). The composable building-block approach offers 300+ integrated Banking and Payments APIs and 100K pre-coded configurable solutions, enabling clients to launch differentiated products in days versus months. The platform delivers 99.999% availability with 360° Customer-Centric Data Service Architecture, supported by 1.5 million engineering hours/year (30% R&D investment).
Differentiator
Problem solved
Functional benefit
Products and services
- Issuer Processing Comprehensive card issuing and processing platform supporting credit, debit, and prepaid card programs for consumer, commercial, and government card programs on a single global technology stack. For financial institutions, fintechs, and partners needing credit, debit, prepaid, BNPL (Visa Installments, Mastercard Installments), commercial credit, and digital wallet (Apple Pay, Google Pay, Samsung Pay) capabilities.
- Core Banking Unified core banking platform providing account management, transactions, and banking operations integrated with card issuing and money movement on a single technology stack. For banks, credit unions, fintechs, and white-label partners such as BrightFi and Agora Services offering branded financial services.
- Money Movement (Payment Hub) Payment hub solution that connects to networks including FedNow, Visa Direct, and ACH through APIs, enabling real-time and modern payment experiences. For financial institutions and fintechs needing real-time money movement and cross-border payment capabilities.
- Value-Added Services Bundle of services complementing i2c's core processing, including implementation management, customer care, AI-powered fraud risk management, dispute and chargeback resolution, program management support, lifecycle consultation, rewards and loyalty engagement, reporting and analytics, and C-Applications. For financial institutions and fintechs launching and operating card and banking programs.
Quantifiable outcome
- 99.999% historical platform availability (less than 5 minutes downtime per year)
- +4 more outcomes
Companies that use i2c Inc.
Customer profileNamed customers16 records
Segments6 records
Ideal customer profiles4 records
i2c Inc. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability6 records
Feature9 records
i2c Inc. partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core, strategic and minor.
- FinastracoreStrategic partnership to offer debit card issuance and digital wallet solutions to North American financial institutions. Finastra's bank and credit union clients gain access to i2c's robust suite of card processing and value-added services. Powered by seamless API connectivity between i2c's card processing solution suite and Finastra Phoenix, an open and flexible core solution.
- Vantage BankstrategicVantage Bank (San Antonio, Texas) signed as a new client to leverage i2c's solutions to support its card payment operations for customers, delivering next-generation banking solutions to enable bank modernization.
- MastercardcoreJoint webinar on AI and fraud detection featuring Mastercard's Senior Vice President and Head of AI Garage Nitendra Rajput, discussing AI transformation of secure customer banking experiences.
- FinextraminorCo-hosted virtual roundtable with Finextra, ING, and Cross River Bank on 'Digital Transformation in 2024: Why Fix the Legacy Spaghetti Now?' to discuss how banks can overcome legacy infrastructure challenges.
- INGminorParticipated in joint webinar with i2c and Finextra on digital transformation, offering perspectives from a leading European bank on legacy system challenges.
- Cross River BankminorParticipated in joint webinar with i2c and Finextra on digital transformation, sharing expertise in enhancing customer experiences.
- Aite-NovaricaminorJoint webinar collaboration on bringing credit issuing in-house, featuring Aite-Novarica's Strategic Advisor David Shipper as panelist alongside i2c and Community Bank of the Chesapeake.
- BrightFistrategicBrightFi selected i2c solutions to provide low-cost, feature-rich, mobile financial services to underbanked and unbanked consumers. i2c's platform enables BrightFi's subscription-based, 100% digital banking experience with no minimum balance requirements, payment services, and live customer support.
- Aite GroupstrategicCommissioned white paper with Aite Group exploring key trends driving digital innovation and what financial institutions need to embrace digital technology for new value-added digital experiences. Based on independent view and survey of 2,413 U.S. consumers.
- PYMNTSstrategicCollaboration on PYMNTS Bank Innovation Readiness Index measuring financial institutions' intensity, focus, and ability to bring new payments products and innovative features to market. Joint research and survey of 214 financial institutions.
- OxfamstrategicElectronic Prepaid Solution (EPS) project delivering quick access to funds and basic financial services to disaster-affected communities in the Philippines. i2c's Global Payments Platform combined with UnionBank's card issuance expertise enabled rapid deployment of customized EPS solutions.
- UnionBank of the PhilippinesstrategicPartnership with i2c and Visa to deliver the Electronic Prepaid Solution project for Oxfam's humanitarian cash transfer programs in disaster-affected Philippines communities.
- VisacorePartnership for BNPL capabilities including Visa Installments. i2c is a key issuing processing partner for Visa Direct, enabling real-time payment capabilities. Collaboration on humanitarian payment solutions with Oxfam.
- Mastercardcorei2c signed on to be one of the first issuing processing partners for Mastercard One Credential. Partnership for Mastercard Installments BNPL program. Partner in Mastercard's BNPL ecosystem alongside H&R Block, Walgreens, and other partners.
- CoinZoomstrategicStrategic partnership to launch and scale an international crypto debit card program for customers across more than 152 countries. Leverages i2c's next-gen infrastructure and CoinZoom's innovative blockchain ecosystem for crypto-enabled debit cards and cross-border money movement.
- Access Finance ADminorPartnership to expand the Juzt Credit program (White Card Mastercard) from Europe to the United States, bringing accessible credit to people with little or no credit history.
- Agora ServicesstrategicPartnership to create a challenger bank-like platform designed for credit unions and community banks, offering white-labeled solutions including card issuance for debit, prepaid, and credit cards in a digital environment.
Scale indicators11 records
i2c Inc. competitors and assessment
Company assessmentEmerging players
- Thought Machine: Thought Machine is an emerging cloud-native core banking technology provider serving global banks with its Vault platform. It is an emerging competitor to i2c's Core Banking offering, focused on large Tier 1 banks pursuing modern cloud-native replacement of legacy systems.
Broad incumbents
- Fiserv: Fiserv is a large incumbent financial technology provider offering card processing (First Data), core banking, and merchant services to banks and credit unions globally. It competes with i2c in serving community banks and credit unions with end-to-end banking and payment infrastructure.
- Adyen: Adyen is a global payments platform providing unified payment processing, card issuing, and money movement services to large enterprises. It is a broad incumbent that competes with i2c in card issuing and money movement, particularly for larger merchants and platforms with cross-border needs.
- FIS: FIS is a broad incumbent serving banks, credit unions, and capital markets with core banking, card processing, and payments software. It competes with i2c across card issuer processing, core banking, and money movement, particularly with mid-to-large financial institutions.
- Jack Henry & Associates: Jack Henry provides core banking, card processing, and digital banking solutions primarily to community banks and credit unions in the US. It is a broad incumbent competitor to i2c in the same community financial institution segment i2c targets with its platform.
- Temenos: Temenos is a global core banking platform provider serving banks across multiple regions with composable banking software. It is a broad incumbent competing with i2c's Core Banking and Money Movement offerings, particularly for larger banks pursuing digital transformation.
- Finastra: Finastra is both a strategic partner and broad incumbent competitor providing core banking solutions (Finastra Phoenix) used by hundreds of banks globally. While it partners with i2c for card processing, its broader banking software suite overlaps with i2c's core banking and money movement offerings.
Direct peers
- Stripe Issuing: Stripe Issuing is a direct competitor in the API-first card issuing space, enabling fintechs and platforms to create and manage card programs globally. It competes with i2c in serving digital-native fintechs and embedded finance use cases with comparable developer-friendly tooling.
- Galileo Financial Technologies: Galileo (owned by SoFi) is a direct competitor providing card issuing, core banking, and payment processing APIs to fintechs and banks. It competes head-to-head with i2c across credit, debit, prepaid card programs and embedded BaaS infrastructure.
- Marqeta: Marqeta is a leading modern card issuing platform providing APIs for credit, debit, prepaid, and BNPL programs to fintechs and banks. It is a direct competitor to i2c's Issuer Processing platform, serving many of the same fintech and digital bank segments with comparable API-first architecture.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
i2c Inc. social profiles
Digital presencei2c Inc. compliance and trust
Trust signalCompliance8 records
i2c Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
i2c Inc. leadership team
Management profileNumber of profiles
Profiles18 records
i2c Inc. subsidiaries and ownership
Company hierarchySubsidiaries2 records
i2c Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
i2c Inc. 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 i2c Inc.
What does i2c Inc. do?
i2c Inc. provides an all-in-one, cloud-native banking and payments platform that enables financial institutions, fintechs, governments, and partners to launch and operate credit, debit, and prepaid card programs, core banking services, and money movement (including FedNow, Visa Direct, and ACH) on a single global technology stack. The platform is delivered through 300+ APIs and 100K+ composable building blocks, complemented by value-added services such as fraud risk management, customer care, dispute resolution, program management, and rewards/loyalty.
Is i2c Inc. a public or private company?
i2c Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was i2c Inc. founded?
i2c Inc. was founded in 1999. It employs 1,001 to 5,000 people.
Where is i2c Inc. based?
i2c Inc. is headquartered in Redwood City, United States, in the North America region.
How does i2c Inc. make money?
Four revenue lines are on record. Card Issuer Processing is the primary driver. The others are core Banking Solutions, value-Added Services and money Movement.
Who are i2c Inc.'s main competitors?
Thought Machine is listed as an emerging player. Broad incumbents are Fiserv, Adyen, FIS, Jack Henry & Associates, Temenos and Finastra. Direct peers are Stripe Issuing, Galileo Financial Technologies and Marqeta.
Does i2c Inc. have an API?
Yes. i2c offers a comprehensive API library with 300+ integrated Banking and Payments APIs. The platform enables financial institutions and fintechs to configure and manage complex banking and payments features including credit card programs, debit processing, prepaid cards, core banking, and money movement through a unified API layer. Developer documentation is at apis.i2cinc.com.
What industry is i2c Inc. in?
i2c Inc.'s product category is Card Issuing and Banking Payments Platform. Its primary akta.pro industry code is FSAGAKAC, Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace), with a secondary code of FSAMAIAB, SME & Business Cross-Border Payments (B2B). Its NAICS code is 522320 and its SIC code is 7370.