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Deserve Is A Fintech Company On A Mission To Modernize The Credit Card Stack

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Below is our recent interview with Kalpesh Kapadia, CEO and Cofounder at Deserve:

Q: Could you provide our readers with a brief introduction to your company?

A: We’re a fintech company on a mission to modernize the credit card stack. Through a mobile-first, API-driven, cloud-based approach, we are digitally transforming credit cards from a piece of plastic to a software platform for payments, rewards and lending. We have several co-branded credit card partnerships with leading brands like Sallie Mae, BlockFi, M1, and Notre Dame. Now, we’ve launched our Commercial Credit Card Platform, the first of its kind platform that empowers banks and B2B companies to launch corporate credit and charge cards.

Q: Any highlights on your recent announcement?

A: With this launch, we’re revolutionizing the commercial credit card category. Now, banks and B2B companies are able to issue co-branded credit and charge cards. This is a big need for today’s small businesses as they continue to drive more and more credit card transactions.

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Q: Can you give us more insights into your offering?

A: The Commercial Credit Card Platform doesn’t just help small businesses, but businesses of all sizes, from banks and online lenders to fintechs and marketplace businesses. With instant issuance and digital wallet provisioning, the digital application allows approved cardholders to start using their cards almost instantly. Deserve also provides enterprise-level controls, making it easy for CFOs to track, manage and understand expenses. The platform will also enable our commercial card partners to offer rich rewards to their customers, like cashback.

Q: What can we expect from your company in the next 6 months? What are your plans?

A: We have a rich product roadmap with BNPL, various flavors of rewards use cases, crypto capabilities such as stablecoin payments, lending against crypto etc. Expect continued credit card innovation from Deserve, we are committed to growth and industry transformation.

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Q: What is the best thing about your company that people might not know about?

A: We have a rare distinction of both Visa and Mastercard investing in the company at the same time. We are a product driven company that uniquely offers the most modern and most complete credit card as a service platform. With our digital and mobile first approach, we are able to deeply embed credit card in a partner’s workflow thereby providing a seamless experience.

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