Simplified credit, rewards, and spend

A smarter card for your customers. Stronger results for your platform.

The Spend Card¹ helps businesses manage cash flow through everyday credit, while your platform gains long-term loyalty and incremental revenue.

Turn everyday credit into a growth lever

Offer fast, flexible credit that businesses can trust. With no annual fees, hidden costs, or credit checks, the Spend Card makes access to credit easy.¹ Businesses stay engaged and come to rely on your platform as a key financial partner.

Drive loyalty with meaningful rewards

Create and manage rewards programs that deliver real value to your customers. Customize incentives like points or cashback² to increase engagement and make your platform essential to their day-to-day operations.

Get paid when your customers spend

Earn a share of every card transaction through interchange and yield. Your platform benefits from ongoing, incremental revenue without the operational burden.

Bring your brand to their everyday spend

Offer a sleek, fully white-labeled card built around your brand. Stay front and center every time your customers pay.

Made to match the way businesses work

A credit limit that grows with their business

There are no credit checks or long forms. Eligibility is based on sales history, and businesses are reviewed regularly, so their credit limit increases as their business grows.¹

Two ways to pay

Businesses can choose the repayment method that works best for them. They can pay the full statement balance within 7 days of closing to avoid fees, or repay over time through a percentage of sales for one fee.³ They’ll never pay compound interest.

Cards built for how businesses spend

Offer physical and virtual cards that issue automatically once approved¹ based on how your customers spend — online or in person.

Launch on your terms

Choose the integration path that fits your roadmap. Whether you want to go live with no code, embed hosted components, or build a custom experience, we provide the tools and support to make it happen.

No code

Go live with zero engineering work
Create pre-approved offers through a self-serve dashboard
Share Stripe or Plaid data to automate offers and email marketing

Low code

Embed our pre-approved offer component with a few lines of code
Pair it with a marketing program tailored to your customers
Use our toolkit with best practices and templates to get started

Custom

Build a fully tailored integration using our APIs and webhooks
Control how offers are displayed and delivered
Match your platform’s design and support your customers’ experience

¹Parafin is a financial technology company, not a bank. Cash Account and banking services provided by Column N.A. ("Column"), Member FDIC. Parafin is not an FDIC-insured depository institution. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in Cash Accounts are eligible for FDIC insurance up to $250,000 per depositor, for each insurable capacity in which the account is held. Spend Cards are issued by Column, pursuant to a license from Visa U.S.A. Inc. Spend Cards are powered by Marqeta. Approval is not guaranteed and is subject to checks. Terms and conditions apply. See here for more information regarding the Spend Card and here for more information regarding the Cash Account.  

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²Card purchases may be eligible for cashback. See the Rewards Agreement for more information.

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³If the full statement balance for a given statement period is unable to be collected by the end of the grace period (i.e., 7 calendar days after the statement period ends), the full statement balance will be rolled over into your pay-over-time balance along with a statement fee of 11%-16% of the statement balance. For more information, please see your Spend Card Agreement.

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⁴Loans and lines of credit are issued by Celtic Bank.

Simplified credit, rewards, and spend management