Cardless, founded in 2019 and based in San Francisco, provides an embedded credit card platform that allows consumer brands to launch co-branded credit cards directly within their own mobile apps and websites. The company's technology enables brands to build native credit experiences without the traditional complexity of card issuing.
The platform covers the full credit card lifecycle through a suite of modular APIs and pre-built components. This includes application processing, identity verification, transaction management, fraud prevention, analytics, and rewards program administration. The company works with partners across various sectors, including cryptocurrency platforms, travel brands, retail partners, airline programs, and B2B marketplaces.
Cardless has raised approximately $170 million in venture funding to support its operations and growth.
