--- title: "Cards: Card Management, Credit on Card and White Label App | _able" description: "_able's cards solution covers card management, credit on card, card-linked value-added services and a white label card and payments app, for physical and virtual cards on one platform." canonical: "https://ai.ablegroup.io/solutions/cards" --- # Cards: Card Management, Credit on Card and White Label App | _able _able's cards solution lets partners configure a full card programme on one platform, covering physical and virtual cards, onboarding, spend controls, credit on card, card-linked value-added services and a white label card and payments app for SMEs and customers. ## Key facts - _able supports both physical and virtual cards within a unified platform. - Four card use cases: card management, credit on card, card-linked value-added services (VAS), and a white label app. - The company reports that 100% of the card lifecycle is managed in one system. - Credit on card offers overdraft, BNPL or revolving credit at the point of spend; the company reports up to a 40% reduction in declined transactions. - Card-linked VAS include subscription management, rewards, spend insights and budgeting tools; the company reports retention uplift of up to 25%. - The white label app is a fully branded mobile and web card and payments app; the company reports deployment in under 4 weeks. - Partners can deploy their own credit and savings infrastructure in as little as 6 weeks, according to the company. - The 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. ## What does _able's cards solution do? _able's cards solution lets partners configure a full card experience on one platform, from onboarding and spend controls through credit activation and value-added services. It supports both physical and virtual cards. The four use cases are card management, credit on card, card-linked value-added services, and a white label card and payments app. ## What does _able card management cover? _able's card management gives SMEs and customers full lifecycle management across virtual and physical cards, from activation through controls, limits and replacement, within a single system. The company reports that 100% of the card lifecycle is managed in one place. Features include activation and suspension controls, replacement and reissuance workflows, and lifecycle tracking. ## What is credit on card? Credit on card from _able lets SMEs and customers use credit directly within the card experience, with overdraft, BNPL or revolving credit available at the point of spend and no separate application flow. Credit rules are configurable by segment. The company reports use cases with up to a 40% reduction in declined transactions. ## What are card-linked value-added services? Card-linked value-added services from _able add services onto an existing card relationship: subscription management, rewards, spend insights and budgeting tools. Features include toggling services on and off, subscription tracking and budget management. The company reports retention uplift of up to 25% from card-linked value-added services. ## What is the _able white label card app? The _able white label app is a fully branded card and payments application for SMEs and customers, built on _able infrastructure and delivered under the partner's brand, so partners avoid building from scratch. It includes a branded mobile and web app, customisable UI and pre-built core journeys. The company reports card app deployment in under 4 weeks. ## How fast can a partner launch on _able? _able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, and that its white-labeled core banking and infrastructure platform can go live in as little as 6 weeks. It also reports onboarding and authentication in under 60 seconds and partner connections to wallets, CRBs and SMSC in under 30 days. ## How does _able work commercially with card partners? _able works with capital partners who provide the balance sheet and licensing needed to offer financial services in the market, and channel partners such as banks, card issuers and processors, fintechs and mobile money operators who distribute to end customers. The commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting. ## What other solutions does _able offer alongside cards? Alongside cards, _able offers credit solutions, savings solutions and group finance solutions on the same platform. Credit includes term loans, overdrafts, BNPL/checkout loans, salary advance, working capital and device and purpose financing. Savings includes fixed deposit, goal-based, daily and round-up saving, and savings-linked credit. Group finance covers digitisation, contribution management, collections and treasurer tooling. ## Frequently asked questions ### Does _able support both physical and virtual cards? Yes. _able supports both physical and virtual cards within a unified platform, with card management designed to handle multiple card formats in a single system. ### Can customers get credit on a card through _able? Yes. Credit on card enables overdraft, BNPL or revolving credit at the point of spend within the card experience, with configurable credit rules by segment. ### What value-added services can be linked to a card? Card-linked value-added services include subscription management, rewards, spend insights and budgeting tools, with features to toggle services on and off, track subscriptions and manage budgets. ### Can a partner offer a branded card app? Yes. _able's white label app is a fully branded mobile and web card and payments app with customisable UI and pre-built core journeys, built on _able infrastructure. ### Who are _able's card products for? The card solutions are aimed at SMEs and customers served by partners such as banks, card issuers and processors, fintechs and mobile money operators, with capital partners providing the balance sheet and licensing. ### How does _able charge for its services? _able's commercial model is revenue sharing, with managed operations covering launch, growth, credit decisioning, collections, communications and reporting. No specific prices are stated. ## Pages on this host This is one page of several on this host. 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