When is a payment card more than a payment card?

When it allows shoppers to access their entire wallet. Cardley enables our partners to provide customers one-swipe access to digital versions of the different tender types they use daily. Our patent-pending transaction processing system invokes the items in a customer’s wallet that provide optimal savings.

Payments are evolving. Consumers are increasingly looking outside financial institutions to provide innovative solutions that address their payment needs. Financial institutions must develop new strategies as disintermediation threatens traditional revenue models. As new forms of tender emerge, card issuers need to endear themselves to consumers by providing more convenient solutions.

Issuers

Payments are evolving. As new forms of tender emerge, card issuers need to endear themselves to consumers seeking more convenient solutions. Consumers are increasingly looking to non financial-institutions to provide innovative solutions that address their payments problems. Financial institutions must develop new strategies as disintermediation threatens traditional revenue models.

Achieve top-of-wallet position: Develop your cardholders’ wallets to contain more than just a single line of credit. Allow customers to store gift card, loyalty and rewards points in their wallet and access them as a part of their card-based payments.

Integrate to world-class partners: Cardley partners with best-in-class solution providers to deliver highly sought after tender types into your customers’ wallets.

Cross-sell additional bank products: Increase revenue and strengthen your customer relationships by including additional bank products in your customers’ wallets.

Provide national and local card-linked offers: Deliver targeted offers that increase customer engagement and relationship stickiness by leveraging insights such as social preferences and spending behavior.

Merchants

Increased checkout efficiency: Our patent-pending digital coupon and deal processing engine reduces the amount of time your customers spend at checkout. The result is increased throughput and happier shoppers. Further, Cardley reduces your overhead costs by eliminating the need to reconcile paper coupons.

More data: By capturing more comprehensive data across a greater number of payment products, Cardley can provide a more holistic view of your customers’ shopping habits. This will enable you to deliver more personalized, targeted marketing.

Improved marketing ROI: Are you still mailing coupons to your customers? Or are you relying on newspapers to deliver your offers to a broad audience? Cardley’s digital promotion distribution system allows you to deliver targeted, timely offers. The results are substantial savings, more effective incentive programs and a higher return on your marketing investment.

Partners

Expand your customer base. Reach an audience of dynamic shoppers who are passionate about actively managing their payment activities, and who are regularly seeking new ways to save money.

Ease of integration: Our flexible technology was developed for ease of connecting to content, processing and issuing partners.

Security: Cardley’s transaction processing engine was built to comply with the rigorous standards prescribed by the PCI Security Council. These are the same rules to which industry-leading payment technology companies adhere, and ensure that all of your and your customers’ data is safe.

Partner with Us

Interested in partnering with Cardley?