For banks
You bring the cost of capital, the compliance program, and the trust. We bring the modern UI, the mobile-first product, and the modular stack. Together, your commercial clients get the product they wanted — and you keep more of the interchange.
Bank outcomes
Commercial card volume that used to leave for fintechs now earns interchange on your BIN.
Accounting integration and approval workflows make switching costs real.
A superior customer experience and a meaningful reduction in service overhead.
A modern, integrated spend management stack your card offering can grow into.
The combination
For years, the two sides of commercial banking have been competing on the half they don’t have. We stopped trying to copy each other and started combining what already worked.
Revenue
The fintech middle layer worked because it captured the high-margin pieces of commercial banking and rented the rest back. Zact returns that economics to your P&L — every stream of it.
Talk to bank partnerships →Every commercial card swipe earns on your BIN.
Pro tier pricing for mid-market and enterprise clients.
Operating balances stay on your balance sheet, not a fintech’s.
Configurable rebate logic protects margin while rewarding volume.
Deployment
We deploy alongside your card processor, your core, and your compliance team. No rip-and-replace, no API gymnastics, no fintech middle layer.
Meet your project team
Confirm scope and goals
Finalize the plan
Understand your processes
Define requirements
Confirm integrations
Configure your environment
Complete integrations
Validate connectivity
Execute UAT
Validate end-to-end workflows
Resolve identified issues
Train administrators
Production readiness checklist
Approve go-live
Production deployment
Hypercare support
Transition to Client Success
“We were six months into building this ourselves and twelve months behind where Zact was the day they showed up. The interchange we’ve recaptured this year already pays the platform. The stickiness is the part our board can’t stop talking about.”JM
We’ll walk through your commercial portfolio, identify where business is shifting to fintechs, and show how Zact can help you retain the relationship, the deposits, and the economics.
