Digital Banking Solutions to help your business grow

About CardAlpha

CardAlpha is a fintech platform, being developed to solve challenges facing small business firms (SMEs) in Europe

  • SMEs have challenges in accessing card payments, business checking accounts and lending facilities. In fact, based on SME research, only 32% of SMEs have access to business financing.
  • Business banking products from high street providers and are highly standardised and often expensive.
  •  SMEs, therefore  source their financial products from various financial institutions, with no one single institution having a holistic view of the SME's finances. This may result in market inefficiencies including distorted pricing levels for financial products for SMEs. 

CardAlpha brings a new approach to SME banking solutions

CardAlpha is a financial platform which enables small businesses to receive customer payments, hold business funds securely in a digital account and make business payments via electronic transfers or a business debit card.

SMEs transacting on the CardAlpha platform can also access business loans at competitive rates based on their transaction history and credit bureau records.

CardAlpha's products

E-money based account with prepaid debit card

  • Digital account issued under E-money regulation with linked prepaid debit card
  • App based interface to e-money account to view balances, track transactions and manage transfers
  • Settlement for card based payments, disbursed to merchant e-money account
  • Support for domestic and international payments and inbound transfers

Point of sale (mPOS) device for capturing card payments

With close to 70% of retail payments in UK being made via debit and credit cards, CardAlpha's merchant acquiring  service will enable merchants to take card based payments at competitive rates.

Business Finance

CardAlpha will offer business finance to assist SMEs with growth plans,  based on real-time sales data, business expense data and merchant credit scores.