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Build your own digital-first card programs quickly

i2c provides today’s product visionaries with the levels of reliability, scalability and breadth of payment features unmatched by legacy processors and next generation entrants. As a global provider of highly-configurable payment and banking solutions, i2c's proprietary "building block" technology allows clients to pick and choose products to create and manage a comprehensive set of solutions for credit, debit, prepaid, lending and more, quickly and cost-effectively – from a single, global SaaS platform. Founded in 2001 and headquartered in Silicon Valley, i2c's next-generation technology supports millions of users in more than 200 countries/territories across all time zones.

Partner Type

Visa Ready Certified
Fintech Fast Track

Category

Visa Ready: Issuer Processor

Visa Ready: Buy Now Pay Later (BNPL)

Solutions

Visa Ready: i2c Payments and Banking Services Platform Visa Ready: i2c Installment Lending and BNPL Solutions

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Visa Ready: i2c Payments and Banking Services Platform

Create and launch a Visa program from your laptop or customize parameters for existing programs to individualize and capture new revenue and customers.

Reach out for more information on our solution.        

Why i2c?

Flexibility

i2c allows companies to innovate to quickly deliver differentiated products that meet consumer expectations for customized, personalized, and on-demand experiences

  • Agile processing platform comprised of modules of payment and banking functionality
  • 100+ modules offer comprehensive breadth and depth of product solutions
  • One single global platform facilitates quick, seamless geographic expansion
  • Customer-centric architecture enables innovation at customer level and throughout customer lifecycle
  • Self-service design allows program managers to create new programs quickly themselves      

Reliability

i2c ensures 100% reliability and availability on many levels:

  • 24/7/365 monitoring
  • 2 redundant data centers
  • Ability to make system changes without downtime
  • New, leading-edge hardware every three years
  • Run on our own private cloud
Solution Information

Category
Issuer Processor

Visa Credential and Card Support
Credit: Consumer, Small Business, Commercial
Prepaid: Consumer, Small Business, Commercial
Debit: Consumer, Small Business

In-Region Support
US, Canada, AP, CEMEA, LAC

PCI Compliance
Yes

Testing and Environment Information

Solution Deployment
Private cloud

Tenancy Architecture
Multi-product / Multi-client / Multi-BIN

Comprehensive APIs
Yes

Sandbox Testing Environment
All customers, all available transaction types

Uptime Availability in Region(s)
100%

Solution Support

Visa Token Service (VTS) Support
Issuer Token Service Provider (I-TSP)

Visa Direct Support
Yes

Visa Next Lite Integration
No

Visa QR Payments ("Scan to Pay" Support)
No

Customizable Authorization Decisioning
Yes

Reporting
Cutomizable, API-based

Authorization Flow
Fully Managed, Partially Managed

Incremental Authorization
Yes

Additional Solution Information

Instant Funding / $0-Balance Transactions
Yes

Proprietary or Visa Access Control Server (ACS)
Yes

Risk-based Authentication (3DX 2.0)
Yes

Real-time Risk Scoring
Yes

Custom Fraud Rules
Yes

BIN Sponsor Connections
Yes

Program Management / End-to-End
Yes

Full-service Credit Program Management
Yes

Multi-currency Partitioning
Yes

Visa Value-added Services Integration
Visa Savings Edge

Other Value-added Services Integrations
Loyalty, eCommerce Gateway, eKYC

Operating Countries

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i2c Installment Lending and BNPL Solutions

The installment loan market is growing quickly and demand for new “buy now, pay later” features have become a requirement for both traditional issuers and fintechs. To fill this need, i2c provides end-to-end lifecycle processing support with integrated front- and back-end capabilities to deliver customizable installment solutions that fit all client needs.

The i2c platform offers a wide range of installment lending capabilities aimed at delivering flexibility to issuers and program managers to craft the consumer or commercial installment experience that fits their use case.  Issuer and merchant-funded programs are supported, along with the pricing flexibility allowing issuers to set a fixed or variable interest rate based on a rate index.  Additionally, i2c offers the flexibility to create customer-specific installment plans to ensure the right installment is presented to the right customer at the right time.  

With the i2c platform, clients can create unique pre-, during and post-purchase installment experiences to fit any use case, as described below:

  • Pre-Purchase Installments: Stand-alone or card-linked installment loans that are approved pre-purchase allow clients to fund an installment loan account or issue a virtual/physical card to facilitate the transaction.\
  • During-Purchase Installments: Through i2c’s partnership with Visa, i2c issuers can leverage Visa Installment solutions to deliver BNPL offers in line with the merchant checkout experience at participating retailers.
  • Post-Purchase Installments: Enable cardholders the ability to convert a card transaction into an installment repayment plan after a purchase is made.

All installment capabilities are delivered through i2c’s modular platform architecture, providing thousands of pre-coded functions that can be rapidly configured into unique product solutions.  All capabilities are made available through the i2c white-labeled consumer web and mobile interfaces or via API based on client need.

Key i2c Platform differentiators

Any Use Case

i2c supports all Installment flavors:

  • Pre / During / Post - Purchase
  • Card or non-card-based options
  • Configurable Installment Plans

Customer-Level Execution

  • On-demand customer enrollment
  • Customer-level installment program configurations
  • Configurable Open to Buy / Available Balance functionality

Merchant Integrated

  • Real-time POS enablement provided via integrated Visa Installment-enabled merchants
  • Available in any region Visa supports POS Installments   

Digital Native Experience

Real-time execution via all digital channels:

  • Virtual Card
  • In-App
  • At the POS

Any Card Product

  • Installment options available for all card-based products
  • Flexibility to create non-card-based products

Globally Available

  • All i2c platform features are deployed to a single, Global, code base enabling instant global scale
  • Single platform integration enables all Installment options (Revolving & non-Revolving)

Example Installment User Experiences


Pre-Purchase
Image shows mobile user experience of being notified a card is eligible for installments

During Purchase
Image shows user experience on a mobile device, checking out on a commerce site with the Visa Installments option presented

Post-Purchase
Image shows post-transaction user experience on mobile device where they are presented with the option to convert a transaction already authorized to an Installments plan
Operating Countries