Tallied provides a cloud‑native, full‑stack platform that consolidates the entire credit card value chain—from application and underwriting to core processing, cardholder servicing, rewards, and regulatory reporting—into a single API integration. The solution offers a purpose‑built credit core, AI‑enhanced fraud detection, and a program‑managed service that enables fintechs, banks, and embedded finance providers to launch or modernize credit card programs in under 90 days.
Funding
$13.5M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
PVFounders
Product
Problem
Financial institutions, fintechs, and platforms face fragmented technology stacks and lengthy integration processes when building end‑to‑end credit card programs, leading to high operational costs, compliance risk, and slow time‑to‑market.
Solution
Tallied offers a cloud‑native, full‑stack platform that consolidates the entire credit card value chain—from application intake and underwriting to core processing, cardholder servicing, rewards, and regulatory reporting—into a single integration. The platform includes a purpose‑built credit core with bi‑temporal data handling, automated reconciliation, and built‑in Regulation Z compliance to reduce operational overhead. APIs expose every lifecycle step, enabling partners to customize spend controls, decisioning models, and rewards logic while maintaining a white‑label cardholder experience. AI‑enhanced fraud detection and dispute handling further improve risk management. By providing a turnkey, program‑managed service, Tallied shortens launch cycles to under 90 days and supports scalable growth for both consumer and commercial card products.
Target Audience
Primary customers are fintech companies, community banks and credit unions, and platform or marketplace providers seeking to launch or modernize consumer and business credit card offerings.
Features
- Modern, cloud‑native credit core with bi‑temporal capabilities, automated reconciliation, and programmatic Regulation Z compliance
- Comprehensive API suite covering application flow, underwriting, spend controls, and lifecycle management for composable integration
- Built‑in decisioning and underwriting framework leveraging thousands of data attributes with extensible data source ingestion
- White‑label cardholder UX with integrated alerts, notifications, and omni‑channel support powered by AI dispute handling
- Programmable rewards engine supporting cash‑back, statement credit, travel bookings, and SKU‑level bespoke rewards
- Embedded AI‑driven fraud protection and risk monitoring across the card program