Integrate with directly with card processor
Zact works with your existing rails—no need to change processors or card networks.
Zact enables banks to modernize their commercial offerings without disrupting existing infrastructure or requiring significant IT investment.
The platform is purpose-built to integrate seamlessly with current systems, helping banks deliver differentiated services to business clients while unlocking new sources of recurring, non-interest income. By unifying spend and payment capabilities under one modern solution, Zact helps banks enhance client retention, streamline operations, and accelerate time to market.
Zact works with your existing rails—no need to change processors or card networks.
Combine card management, expenses, and payables into one seamless platform and login.
Offer platform or analyzed fees to drive new, recurring, non-interest income.
Embedded ERP and accounting integrations increase stickiness and reduce churn.
Deploy a robust commercial platform in months—not years—without major IT effort.
Offer a unified commercial experience across cards, expenses, and payables while generating new fee income and deepening client relationships.
Zact’s Portfolio Management Tool (PMT) equips banks with the ability to oversee customer relationships, cardholder activity, and account settings through a role-based, centralized interface designed for operational visibility and control.
In the agent bank model, a financial institution distributes Zact’s commercial platform under its own brand, retains the customer relationship, and may optionally extend credit. Zact provides the technology, servicing, and infrastructure to support the program, while the bank controls go-to-market, lending decisions, and customer engagement. This approach enables rapid expansion into new segments and revenue streams—without the burden of building or maintaining complex card systems.
New Segment Growth - Quickly enter underserved middle-market and SMB segments with a modern offering.
Recurring Revenue - Drive SaaS and platform revenue across your bank and agent network.
B2B Payments Margin - Capture higher-margin B2B spend through integrated payables and card solutions.
Fee Income & Deposits - Increase interchange income and grow deposits tied to operating accounts.
White-Labeled Differentiation - Strengthen client relationships with a fully branded, differentiated experience.
Operational Efficiency - Expand your commercial capabilities without disrupting core systems.
In the embedded bank model, Zact integrates directly with a financial institution’s existing card programs and infrastructure. This allows the bank to retain full ownership of the customer relationship and credit exposure while layering in modern functionality to accelerate growth, deepen client engagement, and expand into new segments—all without disrupting core systems.
Segment Expansion - Extend your card programs to serve middle-market and SMB segments effectively.
New Fee Income - Grow non-interest fee income and drive deposit growth through enhanced offerings.
Higher-Margin Spend - Unlock and capture higher-margin B2B spend via integrated payables.
Minimal Operational Impact - Deploy quickly with no changes required to your core systems or card processor.
Differentiated Customer Experience - Deliver a fully white-labeled solution that elevates your brand and deepens loyalty.
Faster Time to Market - Launch modern commercial offerings in months, not years.
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