Credit Card as a Service: Vendors You Need to Know


Credit card as a service products are changing the payments landscape. New Mercator research looks at Credit Card as a Service (CCaas) products which are relatively new to the payments landscape and offer a variety of options for those wishing to issue credit cards. What does the credit market look like given the effects of COVID-19? Is CCaaS right for your organization?

Author: Ben Danner
Published on: December 14, 2021

Credit Card as a Service Products Are Changing the Payments Landscape

Mercator Advisory Group released a report covering vendors in the emerging Credit Card as a Service (CCaaS) market, titled Credit Card as a Service: Vendors You Need to Know. The research explains the current credit market and forecast, discusses the latest in credit products, such as Buy Now, Pay Later (BNPL) lending, and examines the effects of the COVID-19 pandemic on the consumer credit industry. Further, this research examines how companies are offering embedded finance products such as CCaaS to allow customers the ability to offer their own credit card product. By way of four evaluative criteria, general advice is provided for those seeking a relationship with a fintech provider.

“Exploring a partnership with a fintech is a viable option for launching new products, testing and evaluation,” comments Ben Danner, Analyst at Mercator Advisory Group and the author of the research report. Through API integrations, partners can easily integrate new financial service technologies into their existing portfolio to respond quickly to changing consumer demand.

This document contains 17 pages and 3 exhibits.

Companies mentioned in this research note include: Alphabet, Inc., Amazon, Chime, Federal Reserve Bank, Galileo, i2C, Inc., Marqeta, Microsoft, Zeta.


Highlights of the research note include:

  • Effects of COVID-19 on the consumer credit industry
  • U.S. credit and debit purchase transactions
  • Consumer trends and forecast for Buy Now, Pay Later (BNPL) lending
  • An overview of some CCaaS vendors in the market
  • Advice for evaluating a fintech partnership


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