Next-Gen
payments

An innovative, modular financial platform delivering cutting-edge payment solutions to business partners, ensuring rapid time-to-market, with a seamless and intuitive user experience for both businesses and customers.

Create Your Product
Define Payment Features & Policy
Make a Custom Issuing User Experience
Connect Multi Virtual Accounts
Pay Wherever You Choose! Easy & Seamless

One Platform.
Plug & Play revenue generator

Through access to a full suite of payment modules, you can generate revenue right away. Shape your financial services tailored to your customers' needs with our plug-and-play solution.

Our Issuing as a Service (IaaS) solution offers versatile and flexible issuing methods tailored to your customers' needs, driving growth with a uniquely customized UX/UI experience.

Hybrid Card

Zero Balance Card

Virtual Card

Issuance Wizard

Hybrid Card

With the “Hybrid-Card”, one single card can be linked to a personal line of credit plus multiple additional parties. The “Hybrid Card” decisioning engine integrates policies, budgets, dynamic rules and external data sources to automatically distinguish transactions and fund them accordingly.


Zero Balance Card

The “Zero Balance Card” links to multiple funding sources without connecting to a personal line of credit. Its decisioning engine integrates policies, budgets, dynamic rules, and external data to automatically distinguish and fund transactions.


Virtual Card

A virtual card functions like any credit card (Hybrid or Zero), but without the physical plastic. You can add it to digital wallets (Google Pay / Apple Pay) and securely view full card details online.


Issuance Wizard

The Issuance Wizard is a management tool, also available via API, that allows you to create products tailored to specific use cases. It offers customization and modularity in KYC requirements, pre-existing data fields, and branded design to boost customer engagement.

Our advanced processing solutions enhance your financial services by ensuring security, efficiency, and peace of mind for your customers.

Dynamic Payment Policy

Admin Portal For Spend Control

Virtual Accounts

RT Third Party Auth

Dynamic Payment Policy

Define dynamic payment policies tailored to your needs, with options to restrict merchants (closed loop on open loop rails), set limits by date, time, location, and apply specific business rules.

Admin Portal For Spend Control

SaaS portal that gives control and oversight across all elements of expense management. From setting budgets and approvals, to spend tracking, accounting integration and delivering insights in real-time.


Virtual Accounts

Managing the card independently from the virtual accounts enables multiple funding sources on a single card (PAN). When a transaction occurs, the platform automatically selects the appropriate funding source based on your predefined settings.


RT Third Party Auth

Ensure secure and instant transaction approvals with our real-time third-party authorization. Our solution integrates with external systems to verify and authorize transactions swiftly, reducing fraud risk and enhancing payment reliability.

Our Payment as a Service (PasS) solution offers modular capabilities to empower seamless financial services to ensure your customers’ engagement.

Online Card Details

Push Provisioning

Integration & QA

White Label Native App

Operations

Online Card Details

View full card details (16 digits, expiration, and CVV) securely online, all while adhering to strict information security protocols.


Push Provisioning

Enable secure, instant digital card issuance directly into mobile wallets from native issuer apps or web sites. Our push provisioning solution streamlines the process, ensuring seamless integration with major digital wallet providers like Apple Pay and Google Pay.


Integration & QA

Simplify your payment infrastructure with our comprehensive integration services. We provide seamless API integration along with rigorous QA testing to ensure high performance and secure transactions across all platforms.


White Label Native App

Launch your branded mobile app effortlessly with our customizable white-label solution. Tailored for seamless payment experiences, our native app supports all major operating systems and is designed to reflect your brand's identity.


Operations

Ensure uninterrupted payment processes with our robust operations management tools. We offer real-time monitoring, automated issue resolution, and a dedicated support team to keep your payments running smoothly.

Issuing Solutions

Shape Your Ideal Issuance Method

Our Issuing as a Service (IaaS) solution offers versatile and flexible issuing methods tailored to your customers' needs, driving growth with a uniquely customized UX/UI experience.

Hybrid Card
With the “Hybrid-Card”, one single card can be linked to a personal line of credit plus multiple additional parties. The “Hybrid Card” decisioning engine integrates policies, budgets, dynamic rules and external data sources to automatically distinguish transactions and fund them accordingly.

Zero Balance Card
The “Zero Balance Card” links to multiple funding sources without connecting to a personal line of credit. Its decisioning engine integrates policies, budgets, dynamic rules, and external data to automatically distinguish and fund transactions.

Virtual Card
A virtual card functions like any credit card (Hybrid or Zero), but without the physical plastic. You can add it to digital wallets (Google Pay / Apple Pay) and securely view full card details online.

Issuance Wizard
The Issuance Wizard is a management tool, also available via API, that allows you to create products tailored to specific use cases. It offers customization and modularity in KYC requirements, pre-existing data fields, and branded design to boost customer engagement.

Processing Solutions

Optimize Your Transactions Control

Our advanced processing solutions enhance your financial services by ensuring security, efficiency, and peace of mind for your customers.

Dynamic Payment Policy
Define dynamic payment policies tailored to your needs, with options to restrict merchants (closed loop on open loop rails), set limits by date, time, location, and apply specific business rules.
Admin Portal For Spend Control
SaaS portal that gives control and oversight across all elements of expense management. From setting budgets and approvals, to spend tracking, accounting integration and delivering insights in real-time.

Virtual Accounts
Managing the card independently from the virtual accounts enables multiple funding sources on a single card (PAN). When a transaction occurs, the platform automatically selects the appropriate funding source based on your predefined settings.

RT Third Party Auth
Ensure secure and instant transaction approvals with our real-time third-party authorization. Our solution integrates with external systems to verify and authorize transactions swiftly, reducing fraud risk and enhancing payment reliability.

Payment Solutions

Choose Your Path for
Seamless Experience

Our Payment as a Service (PasS) solution offers modular capabilities to empower seamless financial services to ensure your customers’ engagement.

Online Card Details
View full card details (16 digits, expiration, and CVV) securely online, all while adhering to strict information security protocols.

Push Provisioning
Enable secure, instant digital card issuance directly into mobile wallets from native issuer apps or web sites. Our push provisioning solution streamlines the process, ensuring seamless integration with major digital wallet providers like Apple Pay and Google Pay.

Integration & QA
Simplify your payment infrastructure with our comprehensive integration services. We provide seamless API integration along with rigorous QA testing to ensure high performance and secure transactions across all platforms.

White Label Native App
Launch your branded mobile app effortlessly with our customizable white-label solution. Tailored for seamless payment experiences, our native app supports all major operating systems and is designed to reflect your brand's identity.

Operations
Ensure uninterrupted payment processes with our robust operations management tools. We offer real-time monitoring, automated issue resolution, and a dedicated support team to keep your payments running smoothly.

Use Cases

Discover and explore innovative use cases customized to enhance your business, meeting your diverse customers' needs and driving growth

Expense management
& Benefits cards

Employers spend management platform, increasing the employee engagement with a unique UX for both, employee 
& employer.

Advanced payments solutions for digital wallets
& neobanks

Enabling advanced credit and payments solutions for financial digital platforms.

SMB credit card clearance by designated card

Immediate credit based on acquiring, improved business liquidity.

Gift cards
& loyalty programs

Issuing gift cards tailor-made per client based on an open-loop rails with advanced loyalty program management platform.

Salary by
cards/EWA

Immediate wages budget
accessibility by credit card.

Kids wallet

Enables flexibility & control over kids payments, including payment in digital wallets.

London PayTech awards recognition, July 2022

The world's first ever to offer Google Web Push Provisioning —
no mobile app needed

Won the most important Gov. tender for the next 10 years

Integration

Seamlessly connect and enhance your systems with our flexible integration solutions - Our integration capabilities provide efficient onboarding, enabling rapid product development and income generation through payments, credit, and enriched data services.

Web-View

Leverage our web-view interface for a quick and efficient way to incorporate new functionalities into your system without requiring native app updates.

Compliance & Cybersecurity

Adhere to PCI DSS Level 1 standards and stringent cybersecurity protocols for robust protection and regulatory compliance.

Webhooks

Stay updated in real-time with automated notifications sent directly to your system, ensuring instant communication and smooth workflows.

SDK

Access a comprehensive software development kit designed to streamline the integration process and accelerate your product's time-to-market.

API

Easily integrate our powerful payment and credit services into your existing platform with minimal disruption.

CAL (Israel Credit Cards) is a leading payments company in Israel, serving over 3 million active customers.



 

The company specializes in issuing Visa, Mastercard, and Diners Club credit cards, as well as providing merchant acquiring services, extending credit to private customers and businesses, and offering a wide range of advanced payment solutions.

 

CAL’s advanced payment platform is a business product p&l unit managed as a product company. It serves as an extension to CAL’s traditional issuing business, enabling it to offer unique, advanced payment solutions to partners and end customers

 

Founded in 1979, CAL is jointly owned by Discount Bank and First International Bank of Israel.