Cards

Not just cards.
Personalized card experiences.

Cards—physical, virtual, tokenized—are the foundation of embedded banking, but realizing your program’s full potential takes more than cards. Helix uses real-time data and controls to create personalized card experiences.

CARD EXPERIENCE

Customize completely.
Issue instantly.
Provision easily.

Physical Cards

Fully customize physical cards for brand impact.

Virtual Cards

Issue and instantly fund virtual cards for immediate spending.

Tokenized Cards

Provision into Apple Wallet, Google Pay, and Samsung Pay to create stickiness and drive revenue.

PERSONALIZATion

Personalized experiences powered by data & controls

Card controls built around your users

With real-time data, we help you create controls that personalize experiences—based on their criteria. When you empower people to reach their goals, you deepen connections and win loyalty.

Controls in action

Fraud controls

A U.S.-based retail brand identifies a trend in fraudulent U.K. in-store purchases. It quickly restricts U.K. users at risk, without unnecessarily affecting others.

Budget controls

Florida parents open a minor account for a teenager spending the summer in Utah. They deposit a weekly allowance and restrict card use to Florida and Utah, limit monthly spending to $200, and prohibit all in-app purchases.

Program risk management

Non-executive-level employees traveling to New York are authorized to charge at food and beverage, hotel, and transportation merchants only, and only in New York. Executive employees are exempt from restrictions.

COMING SOON

Introducing transaction-level controls

Be part of the transaction authorization decision. Use nuanced customer data to override rules, customize experience, and mitigate risk.

For fraud management

You identify a fraud trend at a retail location where a segment of users regularly makes purchases. You can decide if the transaction should be approved or denied without affecting the entire segment.

For personalized experience

A direct deposit customer’s debit card transaction is declined because her balance is too low. You override and approve the transaction knowing she can cover the amount with her next deposit.

FRAUD MANAGEMENT

Fraud management designed around you

Our two-tier model is designed for your needs, while always protecting you with baseline fraud rules and risk scoring.

Shared Support

Standard

We’ll work with you on the data analysis, give expert advice, write the rules for you with our partner, Visa DPS, and charge you a subscription fee for service.

Built for: Fintechs and brands in need of external fraud support

Direct Access

Pro

Access the real-time, robust Visa DPS risk application directly to manage your program.

Built for: Fintechs and brands with internal resources to manage their own fraud experience

dispute MANAGEMENT

Seamless dispute management

Users easily manage disputes online for quick resolution and positive experience—powered by CentrixDTS.

CentrixDTS safeguards Reg E compliance by automating customer correspondence, alerts, and time-sensitive actions. You save time and resources while maintaining brand trust.

Ready to increase engagement and revenue with personalized card experiences?