RailRail
Products
Working Capital
Term loans, revenue-based financing, and lines of credit.
Pay Over Time
Split invoices, purchases, and payroll into installments
Card
White-labeled credit, rewards, and spend management
TechnologyAPI Docs
Card

Your business card program

Launch a branded business card for your customers. Earn interchange on every swipe, deepen engagement inside your platform, and keep every interaction under your brand.

Rail Card
Transaction
Dawson Supply Co.
−$1,240.00
+1,240 points
Credit limit
Increased this week
$42,500→$48,000

The full card program, under your brand

Rail runs the credit, the issuing, and the back office. Your platform owns the customer relationship and earns on every swipe.

Platform earningsThis month
$64,820+14.6%
Swipes
42,108 txns
Spend
$5.8M
Grainger · Supply
Card swipe · Nov 14
+$42
Your share
Powered byRail
Interchange on every transaction
Earn a share of interchange every time a customer spends. Daily volume becomes daily revenue, no program to build.
✦Your brand
Powered byRail
Your Brand
4928 ··· ···· 7210
M. HARPER
Powered byRail
Your brand, in your customer's wallet
Physical and virtual cards issued under your brand. Every swipe, every statement, every interaction stays inside your ecosystem, not ours.
Program
Run by Rail
Live
  • IssuingActive
  • DecisioningAuto
  • Fraud & servicing24/7
  • ComplianceManaged
We run the program end to end
Credit decisioning, issuing, fraud, compliance, and servicing, handled by Rail so your team stays focused on product.
Products

A card built for how your customers run

01

Real-time controls

Set spend limits, block merchant categories, and freeze cards instantly, all in real time.

Capability
Spend controls
Scope
Per card, user, category
Best for
Preventing overspend
Learn more
02

Instant virtual issuance

Issue virtual card numbers instantly for online purchases, subscriptions, and vendor payments.

Capability
Virtual issuance
Scope
Unlimited per customer
Best for
Online and vendor spend
Learn more
03

Rewards built for your vertical

Configure rewards on categories that matter — fuel, materials, software, ads. Interchange back to you.

Capability
Custom rewards
Scope
Category-based
Best for
Driving spend on your platform
Learn more

Your first 30 days with Rail

A step-by-step path from initial setup to cards in your customers hands and first revenue in just 30 days.

Week 1
Weeks 2–3
Week 4
Week 1

Get connected

  • Define your customer flow
  • Choose your card products
  • Set your brand guidelines
Weeks 2–3

Get configured

  • Customize limits and rewards
  • Integrate embedded components
  • Test the full flow
Week 4

Get paid

  • Launch to customers
  • First cards issued and swiped
  • Interchange share hits your account
Build out a complete product suite

One stack, many products

Working Capital

Fast, flexible capital under your brand

Provide access to working capital for your customers, fully embedded in your platform.

Pay Over Time

A payment method that grows revenue

Let business customers split purchases, invoices, and payroll into installments.

See how embedded financing can support your customers