The essential enabler of fintech
We’re experienced fintech experts who combine urgency with rigor, leveraging technology, industry knowledge, creative expertise and regulatory acumen to partner with fintech innovators.
Program Sponsorship
At the forefront of prepaid card-issuing sponsorship, we launched our first program in 2003. Today, we are the No. 1 issuer of prepaid cards1 and overall the 6th largest issuer of debit cards in the U.S.2
1. Nilson Report, May 2025 2. Nilson Report, April 2025
Payment Services
We provide a comprehensive set of payment products, including merchant acquiring, Automated Clearing House (ACH) and push-to-card services.
Sponsored Lending
Our full range of lending programs includes installment loans, point-of-sale financing and credit cards—or we can customize a program for you.
Embedded Finance
Bridging business and banking with innovation. We provide integrated financial services, such as instant payouts, Buy Now, Pay Later and automated account management tools, that serve your employees, customers and business partners.
Together, we’re defining the future of banking
Our partners in innovation
Advancing the world
of fintech banking
As one of the first banks to embrace fintech, we have decades of experience that have shown us how to accelerate innovation while managing regulatory risk.
Compliance is part of our culture—the ability to adapt to new challenges and leverage our regulatory insight in order to find the safest path for our partners and their customers.
Operational excellence
Our partners benefit from nearly 100% uptime, enabling them to have continuous and convenient access to the applications and functionality they need most.
Leading technology
We've built an agile platform of web-based technologies, databases, firewalls and licensed and proprietary software that has been meticulously designed to meet the distinct business needs of our partners and, ultimately, their customers.
Customizable solutions
Our unique non-brand platform leverages technology and strategic partners to develop custom technology-forward solutions for leading organizations and entrepreneurial startups.
Business continuity
Planning for the unknown is essential to our business model. Our team of business continuity and information security specialists continuously work to identify potential threats and assess the impact to business operations.
Regulatory acumen
We share our partners’ emphasis on risk management and its essential role in their success. In addition to regularly monitoring our operational procedures, our internal risk and compliance monitoring infrastructure ensures compliance from our third-party service providers, partners and their customers.
Consumer compliance
The Bancorp works closely with our regulators, enabling us to manage our operations using the latest banking regulations. Our Compliance Management System is the operational foundation for our employees, third-party service providers, partners and their customers to promote safety and soundness, adhere to applicable law and create a secure consumer experience.
BSA/AML and Sanctions programs
The Bancorp has developed customized and highly scalable BSA/AML and Sanctions programs unique to the products and services we support. We have made significant investments in the people, processes and technology necessary to ensure regulatory compliance for The Bancorp and our partners.
Deep expertise
We know how to find the right answers to get our clients where they need to go. It takes flexibility, collaborative partnership and a thorough understanding of what it takes to achieve their goals.
Industry knowledge
As one of the first banks to focus on fintech, we have unmatched insight into this rapidly evolving industry and the challenges that come with safely taking new innovations to market.
High-performance culture
We are a powerhouse team of experts who combine urgency with rigor, leveraging industry knowledge, creative expertise and regulatory acumen to walk side-by-side with clients, empowering and guiding them as they enter new spaces and turn tomorrow's compelling ideas into practical solutions that exceed expectations.