The problem
A market saturated with processors, and short on options
The US card processing market was built by incumbents designed for a different era. Programs outgrow them fast: inflexible platforms that charge per API change, can't support credit without a full re-implementation, and weren't architected for aggregator models or embedded finance.
Meanwhile, the newer entrants solved for speed to market on debit and prepaid, but left credit, multi-entity hierarchy, and operational depth on the table.
That gap is exactly where Thredd operates.
Proven performance
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170m+
cards
Supported on our platform
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1bn+
transactions
Processed every year
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47+
countries
Where are clients are located
Why Thredd
Debit, credit, and prepaid on a single platform
So that clients launching with debit today can add credit or expand their product range without re-platforming or switching processors.
A real-time system of record, not just a ledger
So that every balance, every transaction, and every program rule is visible in real time across a single, auditable source of truth.
Credit origination and servicing built in
So that clients can offer credit products in the US market with full lifecycle support, from decisioning through to billing, collections, and compliance — without stitching together a separate stack.
Implementation teams on the ground, in your market
So that go-live is a structured program launch with dedicated support, not a self-service integration exercise.
US infrastructure, locally hosted
So that transaction processing, data residency, and scheme connectivity sit where your customers are, with reduced latency and localized compliance.
Modular by design
Start with core, scale with services. Programs can start with core processing and layer in value-added services like tokenization, fraud monitoring, 3DS, and digital wallets as the business scales.
AI embedded in production, not just on a roadmap
With fraud detection, transaction monitoring, and credit decisioning live today, and a structured program to extend AI across operational and product domains.
One global instance, multiple regions
So that a program launching in the US today can expand into Europe, APAC, or Latin America under the same platform, same integration, same commercial relationship.
Proven at Scale
Over 3.5 billion transactions a year
47 countries. Certified with Visa, Mastercard, and Discover. The US runs on the same infrastructure, the same operational standards, the same near-zero downtime that clients depend on globally.
Thredd's experienced US team is led by people with direct experience across US-chartered banks, fintech program launches, and scheme certification. They engage from pre-sales through go-live and beyond. Scoping programs. Navigating issuing partnerships. Staying in the room long after the contract is signed.
Not a global processor watching from a distance. US-based and built to support local requirements.
Built for Your Program
For program managers scaling beyond debit
With Thredd, adding credit doesn't mean adding a second processor, a second integration, or a second operations team. Full credit origination and servicing through our LoanPro partnership. No re-platforming required.
For embedded finance platforms
Thredd's API architecture is designed to stay invisible. Flexible enough to power the card experience your customers expect, without exposing the infrastructure behind it.
For BaaS providers and aggregators
Platform hierarchy is where most processors fall short. Thredd supports parent-child account structures where each sub-client operates with independent rules: spending limits, card configurations, transaction monitoring. No changes touching any other client's program.
For banks and credit unions that need to modernize
Replacing a legacy processor is high-stakes. Thredd's implementation model is built around migration confidence, a proven, straightforward process: structured onboarding, compliance foundations completed before go-live, and a team that understands how banks operate, not just how fintechs move.
Ready to see what next-generation processing looks like in the US?
Talk to our US team about your program.
