How a Card Issuer Can Embed Credit and Value-Added Services into the Card to Reduce Declines

Key facts

• _able's card solutions include card management, credit on card, card-linked value-added services, and a white label card and payments app.
• _able reports that credit on card use cases show up to a 40% reduction in declined transactions.
• _able reports that card-linked value-added services show retention uplift of up to 25%.
• _able reports that card lifecycle management is handled 100% within one system.
• _able's Product Studio configures loans, overdrafts, revolving credit, cards, and savings products.
• _able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks.
• _able's commercial model is revenue sharing, with managed operations.

How does credit on card reduce declined transactions?

_able offers credit on card as part of its card solutions for card issuers. The company reports that credit on card use cases show up to a 40% reduction in declined transactions. The material supplied does not explain the underlying mechanics, so this page does not describe how each decline is avoided.

What card services does _able provide to issuers?

• Card management
• Credit on card
• Card-linked value-added services
• White label card and payments app
• Card lifecycle management handled 100% within one system, as reported by _able

What do card-linked value-added services add?

_able lists card-linked value-added services as part of its card solutions. The company reports a retention uplift of up to 25% for these use cases. The material does not name the specific services included, so this page does not list them or describe how they are delivered.

What supporting capabilities sit behind the card experience?

_able supports card programmes with a wider platform. Product Studio configures loans, overdrafts, revolving credit, cards, and savings products. A data and intelligence layer covers decisioning and scoring, and the company reports live scoring in under 1 second. Partner integration runs through an API gateway and app SDK.

How quickly and on what commercial terms can an issuer launch?

_able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks. Its commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting. Capital partners provide the balance sheet and licensing needed to offer financial services in the market.

Frequently asked questions

Does _able report a reduction in declined transactions?

Yes. _able reports that credit on card use cases show up to a 40% reduction in declined transactions.

Is card management handled in one system?

_able reports that card lifecycle management is handled 100% within one system.

What is the commercial model for card issuers working with _able?

_able uses a revenue-sharing model, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting.

Does the material explain exactly how credit on card approves a transaction?

No. The material names credit on card and its reported decline reduction but does not describe the transaction-level mechanics.