How fast can credit cards be approved?

With Stacc's automated credit decisioning, qualifying applications can receive instant approval. Real-time integration with credit bureaus and internal scoring models enables decisions in seconds, with virtual cards issued immediately for approved customers.

Does it support virtual card issuance?

Yes, the platform supports instant virtual card provisioning to mobile wallets immediately after approval. Customers can start using their card within minutes while waiting for the physical card to arrive.

How are credit limits determined?

Credit limits are assigned based on configurable rules that consider credit scores, income verification, existing relationship data, and risk appetite parameters. The system can automatically adjust limits based on customer behavior over time.

Credit Card Origination

Governed. Automated. Scalable.

Powering the origination, credit and KYC/KYB & AML compliance layer behind modern card programmes.

We help customers onboard new customers, re-onboard existing customers and manage lifecycle compliance, fully integrated with card issuers, processors and networks.

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Credit Card Origination

Governed. Automated. Scalable.

Powering the origination, credit and KYC/KYB & AML compliance layer behind modern card programmes.

We help customers onboard new customers, re-onboard existing customers and manage lifecycle compliance, fully integrated with card issuers, processors and networks.

Request Demo

Trust Center

Credit Card Origination

Governed. Automated. Scalable.

Powering the origination, credit and KYC/KYB & AML compliance layer behind modern card programmes.

We help customers onboard new customers, re-onboard existing customers and manage lifecycle compliance, fully integrated with card issuers, processors and networks.

Request a Demo

Visit Trust Center

Impact that speaks for itself

100%

automation of re-onboarding of B2B & B2C credit card customers

90%

increased share of digital credit applications

80%

reduced inquiries to the customer service centre

90%

reduced time spent on back-office tasks

Segments

Built for organisations offering card programmes

Stacc is purpose-built and experienced in supporting these card programme segments.

Fleet & mobility programme providers

Organisations serving commercial transport and business travel with dedicated payment solutions.

Retail & consumer brands

Companies offering branded or co-branded credit cards to increase loyalty and sales.

Employee benefits & expense management providers

Companies managing workforce spending, corporate mobility budgets and controlled payment programmes.

Banks & regulated lenders

Licensed institutions issuing revolving credit products under direct regulatory supervision.

Embedded finance platforms

Digital platforms integrating card-based credit into software, marketplaces or vertical ecosystems.

What we solve

Stacc covers the complete lifecycle of credit and KYC/KYB & AML compliance

Seamless credit card origination for card programme providers

onboardinng and re-onboarding, data-driven & automated

Existing & new clients

Digital ID

Data capture

Credit scoring

KYC/KYB & AML scoring

Risk decision

Documents & signing

Audit trail

Card issuer

plus ongoing full-lifecycle compliance monitoring - event-driven & automated

How we create impact

Automated, integrated and scalable

Take comfort in the next-generation credit platform

Automate compliance and credit checks

Onboard new customers faster and smoother - and with integrated credit check
Re-onboard existing customers automatically based on risk or events
Maintain ongoing compliance with event-driven Perpetual KYC

Automate compliance and credit checks

Onboard new customers faster and smoother - and with integrated credit check
Re-onboard existing customers automatically based on risk or events
Maintain ongoing compliance with event-driven Perpetual KYC

Integrate KYC/KYB & AML with a modern platform

Orchestrate all KYC/KYB and AML handling in one platform
Gain clearer risk view by handling transaction monitoring alerts with full entity and UBO context
Reduce manual work through governed, reusable rules

Integrate KYC/KYB & AML with a modern platform

Orchestrate all KYC/KYB and AML handling in one platform
Gain clearer risk view by handling transaction monitoring alerts with full entity and UBO context
Reduce manual work through governed, reusable rules

Gain scalability with increasing regulations

Meet EU AML and AMLA expectations with end-to-end control
Support ongoing due diligence and supervisory reporting
Maintain audit trails and explainability across KYC/KYB and transaction monitoring

Perpetual KYC/KYB & AML

Transforming compliance monitoring with Stacc

Delivers 100% automated and real-time Perpetual KYC/KYB and AML

Data capture

Entities and risk factors are extracted from existing data sources and resolved to a common data model.

Acme & Partners Ltd

Chairman of the board appointed

Company Logistics Hub

Fire inspection overdue

M/S Northern Acme

Last position: Gulf of Aden

Event monitoring

Stacc continuously monitors event streams, extracting relevant datapoints 24/7/365.

Change in Ownership/Control on client Acme & Partners Ltd

Covenant violation on commercial loan 55-4858-123

Violation of charter agreement linked to CBC Invest II

Alerts & triggers

Functional stakeholders are informed, and follow-up actions are triggered automatically by the system.

Run PEP/Sanction check

Start AML risk assessment

Trigger fleet-manager notification

Dispatch documentation request

Mobilising impact with our ecosystem

Committed to delivering scalable credit card solutions

Taken at nighttime highway with long exposure

Stacc Credit Card Origination

Stacc joins Visa Ready for Fleet Programme

We welcome innovative partners, such as Stacc, into our Visa Ready for Fleet programme as we continue to deliver scalable solutions.

Richard Campion, Head of Fleet & B2B Mobility, Visa Europe

We welcome innovative partners, such as Stacc, into our Visa Ready for Fleet programme as we continue to deliver scalable solutions.

Richard Campion, Head of Fleet & B2B Mobility, Visa Europe

Explore Visa Fleet and Mobility

Explore on Microsoft Marketplace

Why Stacc Credit Card Origination?

The modern choice

Cloud-native credit & client lifecycle platform

Stacc enables end-to-end and integrated control over KYC/KYB, AML and basic credit checks in continuous process, not isolated checks.

It provides a shared backbone for customer data, risk context, workflows and decisions across compliance and fraud domains and the full compliance lifecycle. Stay safe with event-driven Perpetual KYC automation.

Innovative company

Superior Time-to-Value

Enterprise governance, compliance and security

Cloud-native credit & client lifecycle platform

Stacc enables end-to-end and integrated control over KYC/KYB, AML and basic credit checks in continuous process, not isolated checks.

Innovative company

Superior Time-to-Value

Enterprise governance, compliance and security

The safe choice

Enterprise grade governance, compliance and security

Enterprise controls

Complete audit trail on every case
Full decision lineage
Role-based access
Perpetual, event-driven monitoring
… and much more

SOC 2© Type 2 Attestation

Verified by Sensiba

ISO/IEC 27001:2023

Certified by Sensiba

ISO/IEC 9001:2015

Certified by PJR

Explore our certifications

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Customer stories

Don't just listen to us

Explore how our customers have transformed their credit card origination operations.

OKQ8 background image person fueling red car

Compliant B2B/B2C onboarding for fleet & fuel cards

Stacc has proven to be a well-functioning solution for our purpose. Stacc has also provided great competence and expert knowledge in their implementation consultants supporting us daily.

Johan Gabrielsson, Head of Digital Products at OKQ8 AB

Stacc has proven to be a well-functioning solution for our purpose. Stacc has also provided great competence and expert knowledge in their implementation consultants supporting us daily.

Johan Gabrielsson, Head of Digital Products at OKQ8 AB

Stacc has proven to be a well-functioning solution for our purpose. Stacc has also provided great competence and expert knowledge in their implementation consultants supporting us daily.

Johan Gabrielsson, Head of Digital Products at OKQ8 AB

Discover more

Learn more about our KYC & AML solution

KYC & AML background person walking up stairs

Banks & Financing companies

KYC & AML Management

Client lifecyle compliance

FAQ

What does Stacc’s Credit Card Origination solution do?

How fast and automated is the re-onboarding/onboarding process, and what ROI can we expect?

How does Stacc ensure regulatory compliance and audit readiness?

Does the platform support both B2C and B2B (fleet/mobility) credit card flows?

Does the solution support both B2C and B2B credit card flows?

How does Stacc integrate with existing systems, and how risky is migration?

What results have other customers achieved?

How long does implementation take, and what effort is required from us?

Request a Demo

Launch governed credit card origination at scale

Explore how Stacc Credit Card Origination applies to Fleet, Retail or Banking.

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