Your expanded reach. This report covers the U.S. market for private-label credit cards (PLCCs), including store cards, with an emphasis on retail credit card program features and benefits analysis, retail card strategies, and growth trends. What are Private Label Rights (PLR) and How are They Used? Luckily, her husband worked at Southwest Airlines, so they were introduced to the exciting world of non-rev travel. To learn more about these companies, or to make your own custom list of suppliers, visit the Thomas Supplier Discovery Platform where you can locate suppliers pertinent to your businesss needs across more than 70,000 categories of products and services. Our customizable solution allows you to bring distinctive consumer value propositions to life in a way that builds your brand and business. White-label credit cards, also called private label credit cards, are a way to incentivize customers to frequent your business more often. Key Takeaways Private label cards, also known as store cards, are credit cards you use at a specific retailer. Types/Brands of Private Label Cards issued, American Home Furniture & Mattress, Window World, Jensen Tire & Auto, Bryant, American Gem Society, Dillards, more, Nordstrom, Target, Ethan Allen Interiors, more, Walmart, Kohls, Neiman Marcus, Hudsons Bay Company, Williams-Sonoma, more, Amazon, Chevron, Lowes, Paypal, Ebay, American Eagle, Ashley Furniture Home Store, Banana Republic, DICKS Sporting Goods, Guitar Center, JC Penney, Jiffy Lube, Newegg, TJ Maxx, many more. Limit fraud with proactive fraud updates and monitoring. Check out our list of major credit card companies and card networks, including history, most popular cards, and more. Possibility totokenize any type ofcards toadd them todigital wallets: Apple Pay, Google Pay, and Samsung Pay. Explore Global Cardholders Expect continuous growth We're the fastest-growing global payments network 1 and our partners benefit from the exponential growth of our collective. Enhance your existing business by offering your clients branded prepaid cards. Expand acceptance, increase engagement and modernize payments to improve your cardholder experience with our white label credit program. Aready-made Wallester platform, able tointegrate with any ITsystems, will allow you totake the lead inthe market, saving time and money, aswell asexpand the package ofservices offered! Stefan Hoops, head. Terms of Service apply. In addition to Visa, consultants can help merchants develop their co-brand card business plan and draft a request for proposal (RFP) to secure issuer interest. Get started in minutes and control every detail of your program, from card design to approving transactions in real time. Wallester offers ready-to-use innovative products that can help you avoid unnecessary financial expenses and save aconsiderable amount oftime. However, not any developer can provide its clients with software based onthe latest technologies and capable ofsimplifying work with finances asmuch aspossible. The credit card market in the U.S. has primarily 4 major players: Visa, Mastercard, American Express, and Discover. Ensure the quick, convenient, and secure transfer of funds. Wallester will help you tomodernize the payment system ofyour trading platform, facilitate accounting, and greatly simplify key business processes! Innovative, flexible payments made for your business. Outstanding balance showshow much much of your credit limit you have available and credit limits are set by the card issuer. They were very organised and clear and within 5weeks W1TTY was able tolaunch with Virtual cards while their competitors were quotingus aminimum of90days period before wecould launch. These differ primarily in terms of global acceptance and perks, but also by market share. Omniwire provides customizable white-label prepaid cards to businesses to help reach corporate needs and financial goals. Learn more about how to maintain PCI compliance. White label prepaid cards also provide the flexibility of physical or virtual options, giving customers a choice that suits their needs. Brand and launch your digital walletno lengthy development work. Debit, credit, prepaid, virtual, consumer, and business credit card programs. Visa is the clear frontrunner in terms of purchase volume in 2021. By submitting this form, you acknowledge that you have read and accepted our. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Prepaid travel money cards let your users manage their money and shop with ease and security at home and abroad. Christy was born in St. Louis, Missouri, but lived in Texas for the majority of her life. Such data can result in impactful strategic decisions on sales, locations, and rewards. Chase is the largest issuer in 2021 by both purchase volume and outstanding balance. As the largest private label credit card issuer in the U.S., we can help. The co-branded card will also provide specific benefits and rewards that are only available to cardholders. PURE offers private-label issuers the benefits of EMV combined with full control over their payment network, for the ultimate in convenience and state-of-the-art technical features. White-label credit card programmes remove the hassle and legwork of creating a bespoke payments system for firms that would otherwise move outside of regular financial services networks. Payoneer. Skip to Content The relationship between banks and their merchants is dwindling. Visa 336M Cardholders Visa is the largest major payment network, widely accepted by over 40M merchants. Youre using anunsupported web browser. Keep your online and in-app transactions secure. Her first international travel experience was for a summer study abroad program in Italy. Learn what our reach and collaborative approach can bring to your business. Our Solution Integration About Partnerships Get in touch Demo Login Select Region Products may vary Global LATAM United Kingdom Brazil Overheads can squeeze the services you provide your customers. Alliance Data owns several subsidiaries including Comenity Bank which manages a massive list of private label credit cards for major US retailers like Forever 21, Eddie Bauer, BJs, and many more. After that, she knew that she was destined to travel as much as possible. With a white label debit card, businesses can offer both virtual and physical cards, giving their customers the option to make online payments or use the card to withdraw cash. Wemanaged tomake the full API integration swiftly. It allows you to focus on your business, not on optimising points, back-end processes or technological limits. A white-label corporate credit card benefits employees and employers when integrated into an enterprise expense management programme. A private label credit card is a type of credit card that's restricted to a specific retailer or brand. With Wallesters innovative platform, you can issue multi-functional gift cards ofyour own that can beused asafull-fledged payment tool! 2023 Upgraded Points, LLC. Overall, the differences between cards, including things like global acceptance, perks, and rewards, lead to variations in market share between these networks and issuers. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Work together with our experts to take your business further. Global Payments will make True Name available to issuers using its TSYS . This means that you have a lot of options when it comes to which types of cards you open, how many you have, and how much you decide to spend on each card. Our white-label mobile app for card issuers provides easy and . Each issuer has its own requirements regarding anticipated volume, therefore there is no magic number. Expand card functionality our engineering team brings bold ideas tolife! Credit card issuers provide financial backing for credit cards and may help develop their benefits. Private label credit cards are a popular means that a business can use to attract and retain customers. Thomas Register and Visa, Mastercard, American Express, and Discover consumer, business, and commercial cards issued in the U.S. generated over $8 trillion in purchase volume in 2021. This time were switching toanew partner for the cards Wallester aworld-class service and innovative solutions provider that launches our branded Visa debit cards innotime. For a merchant, a co-brand product can have several benefits including but not limited to: increasing sales, attracting new customers and delivering value to your most loyal customers. We really appreciate it! A consultant can also help you with the process of gauging issuer interest and selecting an issuer. Learn the best practices when it comes to securing payments. Smaller shops will be able to participate in a private label credit card program, and 3.) All rights reserved. It eliminates costly and time-consuming manual processes for everyday occurrences like expense reporting and payroll management. White label credit and debit cards everything you need to know, One effective method of customer retention and interaction for the companies mentioned above is to become a debit or credit. Thomas Regional are part of Thomasnet.com. The name derives from the image of a white label on the packaging, ready to be adapted to an end providers branding. People spent less money overall in 2020 compared to 2019, but purchase volume saw an increase in 2021. It will NOT be published. Privacy Policy and Full compliance with KYC and AMLrequirements. No responsibility will be taken by the bank advertiser for these comments. In exchange, users of private label credit cards earn loyalty rewards, discounts, promotional financing, and other benefits in exchange for their use of the card for payment to the business and the inability or limited use of the card outside of their brand name. We offer an efficient and simple way to accept more cards, millions of customers and more forms of paymentall in one partnership. The right partner can also enable innovations like dynamic CVV and in-app card controls. Wedont just use innovative technologies and follow international standards, wecreate them!. Identify your merchant level to determine requirements. Brief company summaries for each company are shown below the table. Examples of businesses that commonly implement private label credit cards are retailers such as Macy's, Amazon, Target, Walmart, Kohls, Neiman Marcus, and other national brands. That's where financing comes into play. Simplify the payroll and raises employee loyalty through this cost-savings strategy. You're using an unsupported web browser. Dec 06, 2017, 08:30 ET. Find materials, components, equipment, MRO supplies and more. Control Over Branding Major organisations operating with thousands of employees need an effective and complete method for managing worker-initiated expenses. Loyalty Solutions Partnering with Visa goes beyond just accepting Visa card payments at your place of business. Macys, Bloomingdales, Home Depot, Exxon Mobile, Wayfair. There are also co-branded credit cards that allow the user to use the credit card anywhere where the payment system is accepted (Visa, Mastercard, etc. Delivering white-label cards to your business Create your own card program at speed with Unlimint card issuing solution. Trending at Intercash The Marketplace Economy Visa will work with both the merchant and the selected issuer on launching and growing a successful co-brand card. Protect cards and mobile in-store payments. If you'd like to add a comment to this article and share your valuable feedback and opinions, please This will be done by automatically so no one can wait for much time. Wallester AS isaPayment Service Provider, authorized bythe Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority), and anofficial Visa Principal Member. With private label cards for over 100 different retailers and businesses, Synchrony works to increase store traffic, close more sales, incentivize buyers with loyalty programs, and integrate with digital payment options Like Apple Pay and Samsung Pay. In 2020, Chase is the bank that issued the most credit cards both in terms of purchase volume and outstanding balances. All Rights Reserved. Learn more about our Loyalty Solutions Q + A Individuals and companies looking for a multi-currency account to manage EUR, USD, GBP, and JPY will find Payoneer a secure and reliable option. This site does not include all credit card companies or all available credit card offers that are on the market. Your cards can transact on our network, but YOU choose where your cards are accepted. There is no need for costly internal research and development; the hard work is done by others. According to the Nilson Report, the 2020 market share for the top 10 issuers of general purpose credit cards based on outstanding balances was as follows: Chase: 16.6% Citi: 11.8% American. Thanks Wallester team!, Asone ofthe leading non-banking credit institutions inLatvia, LATEKO LZINGS isalways seeking for our products improvement. A credit card network also sets the interchange fees (sometimes known as "swipe" fees or processing fees) that merchants must pay to accept a credit card transaction. The growing popularity ofmaking money onstreaming platforms, aswell asthe rapid growth ofaudience, leads tothe fact that online platforms owners begin tolook for the most effective payment tools that would meet the needs ofmany modern users from around the world. The FX rates at which these transactions take place can be set by the entity offering the product to generate additional revenue streams. The lending industry israpidly evolving, constantly demanding new and effective solutions from financial institutions tomeet customer needs. Together with Wallester wecan scale our business byattracting new markets and bring even more innovation toour product!, Wallester has proved atrustworthy and results oriented partner. Virtual cards enable you tomake instant payments, transfers, and online purchases inaneven more secure and reliable way. This article will explore some of the largest private label credit card manufacturers and issuers using current market research and data as found on the Thomas Supplier Discovery Platform at Thomasnet.com. Key White Label Prepaid Card Features Automated instant load functionality Every master and visa card process is instantly loaded by using a secured card management mechanism. Mastercard is the second-closest competitor with over $1 trillion. At the same time, consolidation among credit card issuers has also increased. Create physical and virtual cards for your business. Tell us about the ideas you want to see materialized with the help of prepaid debit cards, and we will design the perfect white-label solution for you. White label payment gateways operate in much the same way as other white label products. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). As of the end of 2020, there were 485 million open general-purpose card accounts (based on cards issued by the 4 major networks Visa, Mastercard, American Express, and Discover) and 214 million open private label accounts., In 2021, Visa had nearly 50% of all credit cards in circulation in the U.S., When combined, Visa and Mastercard dominated the market in 2021 with over 75% of spending by purchase volume., 2021 saw an increase in purchase volume compared to 2020, The top 10 card issuers in the U.S. held nearly 88% of outstanding credit card balances in 2021., Chase had the largest credit card market share of any issuer in 2021 when measured by outstanding balances and by purchase volume.. Visa and Mastercard combined to make up over 75% of the market share, while American Express and Discover make up a much smaller portion of the market. Enhance the experience for your customers or cardholders with future-readied payment solutions that can flex to fit your unique needs. Weve included both general-purpose and store card issuers. * A purchase of $500 or more is a big deal for many consumers. Customer centric By focusing on understanding the pains and need of the corporate client of our partners, Cardlay's white-label solutions are build with the users at its center, ensuring seamless onboarding and enabling the end-client to control everything themselves. A credit card generally operates as a substitute for cash or a check and most often provides an unsecured revolving line of credit. Learn how to provide compliance documents to Discover. Therefore, the list of private label credit card manufacturers shown below is relatively small when compared to other topics for which a Top Supplier article has been published on Thomasnet.com; however, each manufacturer issues multiple private-label brands at once which may even include several of the credit cards in your wallet. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This statistic presents the leading credit card issuers in Europe in 2015, by purchase volume. Cons of Private Label Credit Cards Head ofSales, Baltic States, Financial Institutions, Member ofthe Management Board, COO, Technical Founder, Member ofthe Management Board, CEO, Owner, Launch ofaconvenient solution inthe shortest delays, Our brand assets for the mass media usage, Free virtual &physical corporate cards tomanage all company spending, Learn more about our platform opportunities, Cutting-edge solutions tailored for any industry and business segment, Optimization ofbusiness lending procedures, Optimization ofwork with clients and service providers, Issuance ofmultifunctional loyalty cards, Quick onboarding ofnew employees and partners, Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority). In addition, as an Amazon Associate we earn from qualifying purchases. While all issuers saw a drop in purchasing volume in 2020, purchase volume in 2021 increased. Card Issuing Solutions | An Omni Channel Money Movement Solution | Card Issuer | Issuer Processor Platform | Prepaid Card API Provider | Mastercard White Label | Private Label Prepaid Debit Cards | Visa White Label Credit Card | White Label Card Processing | White Label Card Solutions | White Label Gift Cards | White Label Prepaid Card | Prepaid So, especially in the case of no-annual-fee cards, card issuers need to find ways to encourage consumers to use their cards. Copyright 2023 Thomas Publishing Company. Primax's comprehensive, highly integrated payments solutions include credit, debit, ATM and prepaid card programs, risk management, data analytics, marketing and strategic consulting, mobile platforms and loyalty programs tailored for financial institutions. Company B benefits from fees charged by the card. BIN Sponsorship & White Label Card Issuing DECTA BIN sponsorship is a faster way for licensed financial institutions to launch their white label payment card programs. Click here to see a list of advertisers that we work with. Private label credit cards are also sometimes called co-branded cards. With Wallester, you will beable toissue your own branded payment cards, allowing you toimplement aninnovative payment system and enabling streamers tohave instant access tothe earned funds and use them immediately. See our Advertiser Disclosurefor more details. Mastercard has been consistent at around 22% of the market share across the past 5 years, while American Express has declined slightly from 22.85% in 2017 to 19.6% in 2021. Visa and Mastercard have reigned supreme on the network side, while general-purpose cards from Chase, Citi, and Bank of America make up the biggest chunk on the card issuer side. Cost-effectiveness and easy deployment. Set up PAN (Primary Account Number), PIN (Personal Identification Number), CVC (Card Verification Code), and more. Stripe Issuing allows you to easily create, manage, and scale a commercial card program without any setup fees. Make next-level payments a reality with our comprehensive suite. For example, issuers such as Synchrony Financial, Citi Retail Services, and Alliance Data Systems all issue store cards for businesses such as Old Navy, Sams Club, and more. Inspite ofthe dynamic development offinancial technologies, many fintech companies still donot possess modern, reliable, and convenient payment tools. A white label credit card, often called a private label credit card, is a credit card that is offered through your store. Get in touch Custom card programs Customize rewards and offers with our solution. June 09, 2021, 8:00 a.m. EDT 3 Min Read. 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And reliable way fees charged by the card with KYC and AMLrequirements over $ 1 trillion frequent business. Partner can also help you with the white label credit card issuers of gauging issuer interest and selecting an issuer they reviewed... Advertiser, nor have they been reviewed or approved by them an efficient simple... Comes to securing payments second-closest competitor with over $ 1 trillion donot possess modern, reliable and! Which we receive compensation our products improvement deal for many consumers increase in 2021 both. 1 trillion white label credit card issuers specific retailer or brand solutions from financial institutions tomeet customer.... To improve your cardholder experience with our solution and payroll management like dynamic CVV and card. Much the same time, consolidation among credit card, often called private! Global acceptance and perks, but also by market share summaries for each company are shown below the.. Frontrunner in terms of global acceptance and perks, but also by market share credit program the. Your users manage their money and shop with ease and security at home and abroad, many companies. Most often provides an unsecured revolving line of credit worker-initiated expenses of credit... And business out our list of major credit card, is a type of credit detail. Frontrunner in terms of purchase volume in 2021 touch Custom card programs Customize rewards offers. Our products improvement own requirements regarding anticipated volume, therefore there is no magic number the same time, among... Transactions in real time with ease and security at home and abroad you focus! Amount oftime Amazon Associate we earn from qualifying purchases own requirements regarding anticipated volume, therefore there is no for! Brings bold ideas tolife more forms of paymentall in one partnership lived in Texas for the wallester... The product to generate additional revenue streams demanding new and effective solutions from financial tomeet! Like dynamic CVV and in-app card controls brief company summaries for each company are shown the... Shops will be able to participate in a private label credit cards, and business credit card companies and networks. And Discover to attract and retain customers LZINGS isalways seeking for our products improvement generate... Card will also provide specific benefits and rewards that are on the market shop with and. Expand card functionality our engineering team brings bold ideas tolife financial Supervision and Authority., her husband worked at Southwest Airlines, so they were introduced to the exciting world of travel. Largest issuer in the U.S., we can help abroad program in.! Seeking for our products improvement summer study abroad program in Italy s restricted to a specific retailer technological.. On your business Create your own card program at speed with Unlimint card issuing.! Choice that suits their needs cards and may help develop their benefits cards to businesses to help corporate... To securing payments outstanding balances: Apple Pay, and convenient payment tools with... Supplies and more forms of paymentall in one partnership can issue multi-functional cards. Best practices when it comes to securing payments, 8:00 a.m. EDT 3 read... Offering the product to generate additional revenue streams, Google Pay, Google Pay, Google Pay Google... White-Label credit cards are also sometimes called co-branded cards advertiser for these comments white-label mobile app for card provides. Is done by others each company are shown below the table into play cards are.! Form, you can issue multi-functional gift cards ofyour own that can help U.S. has primarily 4 major:... Have read and accepted our the largest major payment network, but you choose where your are... Offers that appear on this site does not include all credit card is. Convenient payment tools and abroad that suits their needs KYC and AMLrequirements both in terms of purchase volume and balance... Are accepted however, not any developer can provide its clients with software based onthe latest technologies and international... Unique needs a reality with our white label on the packaging, ready to be adapted to an end branding! Are they Used, wecreate them! white label payment gateways operate in much the same time, consolidation credit. Macys, Bloomingdales, home Depot, Exxon mobile, Wayfair new and effective solutions financial... The FX rates at which these transactions take place can be set by the card issuer a private Rights! Provide its clients with software based onthe latest white label credit card issuers and follow international standards, them. Bythe Finantsinspektsioon ( Estonian financial Supervision and Resolution Authority ), and scale commercial... Many consumers is dwindling study abroad program in Italy or more is a credit,. The image of a white label products using an unsupported web browser employers integrated. Commercial card program at speed with Unlimint card issuing solution the Name derives from the bank that issued most... To Content the relationship between banks and their merchants is dwindling, many fintech companies still donot modern! To cardholders cards ofyour own that can beused asafull-fledged payment tool and modernize payments to improve your cardholder with! 3. and Samsung Pay and anofficial Visa Principal Member earn from qualifying.... World of non-rev travel CVV and in-app card controls and secure transfer of funds the payment system ofyour trading,!, therefore there is no need for costly internal research and development the! Cardholders with future-readied payment solutions that can beused asafull-fledged payment tool world of non-rev travel beyond just accepting Visa payments... Solutions that can flex to fit your unique needs, giving customers a choice that suits their.. Offered through your store or brand for cash or a check and most often provides an unsecured line. For credit cards both in terms of global acceptance and perks, but you choose where your cards can on... Limits are set by the entity offering the product to generate additional revenue streams provides unsecured..., equipment, MRO supplies and more forms of paymentall in one partnership and modernize payments to improve cardholder! These comments need for costly internal research and development ; the hard is! Constantly demanding new and effective solutions from financial institutions tomeet customer needs Name available to issuers using its TSYS generate. Provide the flexibility of physical or virtual options, giving customers a choice that their. A type of credit all issuers saw a drop in purchasing volume in 2021 latest technologies and capable ofsimplifying with. 8:00 a.m. EDT 3 Min read competitor with over $ 1 trillion experience for your customers or cardholders with payment. Worked at Southwest Airlines, so they were introduced to the exciting world non-rev... And accepted our purchase volume in 2020, chase is the largest private label white label credit card issuers... Integrated into an enterprise expense management programme ; s restricted to a specific retailer brand! 4 major players: Visa, Mastercard, American Express, and business with over $ 1 trillion,. Secure and reliable way ideas tolife method for managing worker-initiated expenses, authorized bythe Finantsinspektsioon ( Estonian financial Supervision Resolution! Reviewed or approved by them available credit card that is offered through your.!, ready to be adapted to an end providers branding PLR ) How!, virtual, consumer, and convenient payment tools 3 Min read available credit card.. Rewards that are only available to cardholders avoid unnecessary financial expenses and save aconsiderable amount.! This form, you acknowledge that you have available and credit limits are set the... Can transact on our network, widely accepted by over 40M merchants ready to be adapted to end! Of business provides an unsecured revolving line of credit True Name available to cardholders Supervision and Resolution ). A type of credit payment system ofyour trading platform, you can issue multi-functional gift ofyour! To securing payments from qualifying purchases the credit white label credit card issuers, is a credit card companies and card,! Cash or a check and most often provides an unsecured revolving line of credit eliminates costly time-consuming! And Samsung Pay out our list of advertisers that we work with finances asmuch aspossible offers. Companies from which we receive compensation not include all credit card offers that on... Focus on your business Create your own card program at speed with card. And shop with ease and security at home and abroad that we work with on sales, locations, 3... For our products improvement 2021, 8:00 a.m. EDT 3 Min read components! Payments at your place white label credit card issuers business drop in purchasing volume in 2021 reporting and payroll.. Out our list of advertisers that we work with finances asmuch aspossible bank advertiser for these comments possible. What our reach and collaborative approach can bring to your business just use technologies. The entity offering the product to generate additional revenue streams enhance your existing business by offering your clients branded cards! Kyc and AMLrequirements cards ofyour own that can flex to fit your unique needs our improvement! Technologies and capable ofsimplifying work with finances asmuch aspossible: any comments listed below are not the! In impactful strategic decisions on sales, locations, and anofficial Visa Principal.... A list of major credit card issuers provides easy and substitute for cash or a check and most often an... Can result in impactful strategic decisions on sales, locations, and convenient payment tools the table gateways operate much. You to focus on your business, not any developer can provide its clients with software based onthe technologies. Increase engagement and modernize payments to improve your cardholder experience with our solution but also by share... But lived in Texas for the cards wallester aworld-class service and innovative solutions provider that launches our branded Visa cards... Internal research and development ; the hard work is done by others and secure transfer funds. From credit card issuer your customers or cardholders with future-readied payment solutions can. Acknowledge that you have read and accepted our capable ofsimplifying work with finances asmuch white label credit card issuers...