Xformative transforms complexity into simplicity.
Whether you just need the technical building blocks to power payments or you need a comprehensive guided plan, Xformative helps payment and transaction innovation come to life.
Smart Card Processing
Modular, Cloud-Based Services
Ledger Services
Product & Design Consultation
Payment Processing
Developer Resources
Taking a Deeper Dive
Smart Card Processing
Smart Card Processing
Xformative’s dynamic smart card processing is ideal for programs that require funds to be spent in a specific way. Its advanced authorization logic supports multi-purse programs to handle all your complex payment needs.
- Issue and manage digital and physical cards.
- Multi-purse support with configurable payment and business rules.
- Flexible partner options –use Xformative’s preferred card support partners for network, fulfillment, bank relationships, and BIN ownership– or bring your own.
Ledger Services
Ledger Services
Flexible ledger services to support complex funding flow, multi-wallet architectures, accounts and entries.
- Real-time balances and entries for increased visibility and reducing risk of overspending
- Choose from: (1) Proven ledger accounts and funds flows that have been perfected by years of in production use, yet flexible enough to address all your likely use cases or (2) Implement your own custom flows.
- Not just dollars! Ledger can support use and conversion for currency, crypto, points, or other non-monetary values.
- Support for custom rules and process flows.
- Built-in tools, reports and services to make reconciliation easy.
Payment Processing
Payment Processing
Support for wide range of transaction types to seamlessly integrate with your system or preferred payments vendors.
- Support for ACH, check, wire, card, direct to debit.
- Rules-based payouts ensure compliance and minimize risk.
- Choose from: (1) Xformative’s integrated payment protocols and standard formats or (2) Process your own payments leveraging payment files and real-time event triggers.
- Shared event stream provides customers with instant access to complete data records–enabling customers to manage own analytics, without delays.
Modular, Cloud-Based Services
Modular, Cloud-Based Services
Our modular design allows you to select the services you need — providing flexibility, speed to market and scale–through secure, compliant solutions.
- No need to buy a full platform.
- Integrates with existing technology and partners.
- Increased control to design the solution that meets your needs.
- Solution scales with you — only pay for the services you use.
Product & Design Consultation
Product & Design Consultation
We understand that sometimes all you need are the building blocks and can self-discover your way through API documentation, webhooks and process flows. But other times, you may need guidance or expertise to lean on. Xformative’s consultation services help fintech and benefits platforms translate complex functionality into intuitive, audience-centric experiences.
- User experience, workflow and integration mapping
- Wireframing and prototype support
- System design or best practice guidance
Developer Resources
Developer Resources
The Xformative Developer Portal (DOPS) provides convenient access to documentation, API endpoints, webhooks, microservices, process flows, and active test environments– making it easy to bring solutions to life.
- Manage portal access, including setting access roles for Customer Support and business users.
- Generate API access keys for your system to connect to Xformative.
- Robust sandbox environment, including simulator for card payments
- Extensive documentation
- Elastic search across the whole event stream
Our Working Process
Xformative provides a balance of self-guided documentation with developer access and expertise when you need it. You set the pace and balance that allows you to achieve your goals on your timeline.
Consultation
Initial discussions will focus on identifying the specific financial, payment or ledgering use cases are you looking to solve.
Program Configuration
Programs, accounts, system rules, partner connections, and flows are configured to meet your specific financial use cases. Programs may require separate approvals from issuing bank and network.
Explore Documentation
Xformative allows you to explore API calls and documentation and select the specific resources that will make up your solution.
Verification & Go Live
Xformative's verification and go live approach allows approved programs to validate use cases and go live in days or weeks, instead of months or years.
Request a Consultation
We would love to hear your ideas and help bring them to life.