Cardless

Cardless is an embedded credit card platform, founded in 2019 and headquartered in San Francisco. The company enables consumer brands to launch co-branded credit cards natively within their own mobile apps and websites, rather than routing customers through traditional card-issuing channels. Its technology spans embedded finance, credit card issuing APIs, identity verification, fraud prevention, payments infrastructure, rewards programmes, analytics, and mobile and web application development.

The company's platform is built around modular APIs, pre-built components, and full-service infrastructure, allowing brands to construct credit experiences without managing the underlying complexity of card issuing. Alongside this, Cardless handles the full credit card lifecycle, including application processing, identity verification, transaction management, fraud prevention, and rewards programmes. The work therefore sits at the intersection of payments engineering, risk and fraud systems, and data and analytics tooling.

Cardless has raised approximately $170 million in venture funding. Its platform serves brands across a range of verticals, among them cryptocurrency, travel, airlines, retail, and B2B marketplaces.