Use cases

A complete suite, designed for your audience.

Whatever you're building, embedded finance makes it stickier and more profitable. Here's how teams put Rackle to work.

Featured · Sports Clubs

Launching a Galatasaray-branded consumer debit card.

Our Cards API enables you to issue club-branded VISA cards for your supporters — a full physical or virtual card product, rewards-driven and personalized with your fans’ names embossed.

  • Physical (metal or plastic) and virtual VISA cards
  • Rewards-driven, personalized cards with embossed names
  • Everything paperless and fully digital — 3D Secure & Smart Agent
  • NFC contactless + Apple Pay & Google Pay tokenization
  • Technology to merge closed-loop and open-loop cards
Start building now
9:41●●● ◔
Good morning
Mia Coleman
Galatasaray · Main account
$240.00
Add
Send
Pay
Transactions
Apple Store
Today · Card
-$129.00
Salary · Northwind
Yesterday
+$3,200.00
Lunch · Daily Grind
Yesterday
-$18.40
Spotify
Mon · Subscription
-$10.99
GS FCDEBIT
4218 •••• •••• 9032
FAN MEMBERVISA

Advantages for your organization

  • Modularity — combine with debit or lending options
  • Risk management, Smart Agent and 3D Secure built in
  • Webhooks for real-time notifications
  • Web portal for customer support

What your fans get

  • Global VISA acceptance — in stores and online
  • In-app controls: block card, payments abroad, spending limits
  • Order a new card without leaving the app
  • A fully digital customer experience
More industries

Built for any product that touches money.

Every industry meets money at a different point. Here is the need we solve in each — and the Rackle building blocks behind it.

Travel

Kill FX fees, refund in seconds.

Travellers lose money to currency conversion and wait weeks for refunds. Give them a multi-currency wallet and trip card inside your booking app — and keep the FX margin for yourself.

  • Multi-currency wallets with mid-market FX
  • Instant refunds back to the wallet, not the bank
  • Trip cards with budgets and category locks
  • Earn interchange + FX on every booking
POST/v1/wallets?currencies=EUR,USD,TRY
9:41●●● ◔
Good morning
Mia Coleman
Voyago · Main account
$1,240.00
Add
Send
Pay
Transactions
Apple Store
Today · Card
-$129.00
Salary · Northwind
Yesterday
+$3,200.00
Lunch · Daily Grind
Yesterday
-$18.40
Spotify
Mon · Subscription
-$10.99
BALANCES
EUR€ 860.20
USD$ 312.40
TRY₺ 2.480

Airlines

Make miles spendable money.

Loyalty points sitting idle are a liability on your balance sheet. A co-branded card turns miles into an everyday spending balance — your brand in every wallet, revenue on every swipe.

  • Miles-to-balance conversion at custom rates
  • Co-branded Visa cards with tier perks
  • Ancillary revenue from interchange
  • In-app card controls your passengers love
POST/v1/cards/issue?program=loyalty
SKYWARDDEBIT
4218 •••• •••• 9032
GOLD MEMBERVISA
MILES → BALANCE
24,000 mi
= $240.00 spendable

Airports

One wallet from kerb to gate.

Parking, fast-track, lounge, duty-free — every touchpoint is a separate payment today. A terminal wallet unifies the journey and gives you data on the full passenger spend.

  • Tap-to-pay across parking, retail and lounges
  • Duty-free with automatic VAT handling
  • Traveller FX at the airport, on your rails
  • Spend analytics across every concession
POST/v1/payments?channel=terminal
DUTY-FREE · GATE B12
Fragrance set€ 84.00
Fast-track ×2€ 18.00
Lounge access€ 39.00
VAT refunded automatically€ 141.00
Pay with terminal wallet

E-Commerce

BNPL and cashback that lift basket size.

Checkout credit raises conversion; a branded wallet with cashback brings buyers back. Both run on the same Rackle integration — no extra PSP, no licensing project.

  • Split any basket into instalments at checkout
  • Branded wallet with cashback on repeat purchases
  • Instant seller payouts and reconciliation
  • Higher conversion, 6× customer lifetime value
POST/v1/loans?type=bnpl
Checkout · $384.00
BNPL eligible
$96
$96
$96
$96
4 instalments · 0% for your best customers
Wallet cashback+$7.68

Automotive

Finance the car in the showroom.

Don't send buyers to their bank — close the deal where it happens. Embedded vehicle financing with a credit decision in minutes, plus fleet cards with hard spend controls for business customers.

  • Showroom financing, decision in ~10 minutes
  • Fleet fuel cards with merchant & category locks
  • Service & parts instalment plans
  • Dealer payouts on your schedule
POST/v1/loans?type=vehicle
Vehicle financing
Approved · 9 min
$24,500
48 months · in-showroom decision
KYC ✓ · Credit ✓
Drive away today

Education

Campus money, parent-approved.

Students need a first account; parents need visibility; bursars need tuition collected on time. One campus wallet answers all three — with instalment plans for international fees.

  • Student accounts with parental co-view
  • Tuition instalments with auto-collection
  • Campus card for canteen, print and transit
  • International student FX without the bank queue
POST/v1/accounts?segment=student
9:41●●● ◔
Good morning
Mia Coleman
Campus · Main account
$320.00
Add
Send
Pay
Transactions
Apple Store
Today · Card
-$129.00
Salary · Northwind
Yesterday
+$3,200.00
Lunch · Daily Grind
Yesterday
-$18.40
Spotify
Mon · Subscription
-$10.99
TUITION PLAN
$1,125 /mo · 8 of 12
Auto-collected ✓ · Parent notified

Fintechs

Skip the licence, keep the roadmap.

An EMI licence takes 18 months you don't have. Launch on Rackle's regulated rails today — your brand, your UX, our compliance — and migrate later if you ever outgrow us.

  • Full BaaS stack: accounts, cards, lending, payments
  • White-label UIs to ship your MVP in weeks
  • Sandbox today, production keys when you are ready
  • BaFin-regulated partner banks underneath
GET/v1/sandbox/keys
issue-card.ts
1const rackle = new Rackle(apiKey);
2
3// Issue a branded debit card in one call
4const card = await rackle.cards.issue({
5 holder: user.id,
6 type: 'virtual',
7 currency: 'USD',
8 brand: 'Aurora',
9});
10
11rackle.ready // → live in < 60s
sandbox → productionlive in 3 weeks
Who it's for

One platform, every kind of builder.

Banks

Launch a digital-native brand without re-platforming your core.

Fintechs

Skip the licenses — go to market on Rackle's regulated rails.

Corporates

Add finance to your product and open new revenue lines.

Digital companies

Reward engagement with wallets, cards and instant payouts.

Start building

Launch your own banking service today.

Talk to our team, get sandbox access, and ship your first transaction this week.