Own Top of Wallet Across Every Channel
Strivve helps banks place their debit and credit cards as the default payment method across 142+ online merchant sites — driving interchange revenue, card activation, and customer loyalty.
The Banking Challenge
Banks compete for every transaction. When a customer stores a competitor's card on Amazon, Netflix, or DoorDash, those recurring transactions — and the interchange revenue they generate — are lost. Card-on-file placement is the new battleground for top-of-wallet status, and seamless add-to-wallet is now a baseline expectation among cardholders.
Annual card turnover runs 30–35%, and every reissuance event risks breaking existing card-on-file relationships. Without automated card updates, customers default to whichever card is already stored — often a competitor's. The Financial Brand identifies this as one of the five critical payments challenges for banks in 2026.
Direct Integration For Zero Friction Card Updates
Integrating directly into your digital banking flow, allows members to update their saved payment methods across merchant sites from one convenient location. Instead of manually updating cards on multiple websites, changes happen seamlessly in the background—reducing friction for cardholders while helping ensure your card remains active, saved, and ready for future purchases.
How Strivve Helps Banks
More Interchange Revenue
Every card-on-file placement creates a new stream of recurring interchange income. Strivve customers see 5–40X ROI on their card-on-file programs.
Reduce Card Attrition
Only 11–12% of cards last until expiration. Automated card-on-file updates after reissuance keep your card on merchant sites and beats competitor cards.
Accelerate Card Activation
Pair new card issuance with CardLinks Emboss to push card-on-file placements. QR codes on card carriers launch instant merchant-site placement flows.
Strengthen Digital Banking
Embed card-on-file placement directly in your digital banking app with CardSavr’s API. A frictionless way to store their card across 142+ merchant sites.
Launch Without Heavy IT
CardLinks Engage requires no digital banking integration. Reach cardholders through email, SMS, and direct mail campaigns and go live in weeks.
Track Every Placement
Monitor card-on-file placements, transaction lift, and interchange revenue in real time. Only pay for successful placements.
Explore Card-on-File Solutions
CardSavr API
Embed card-on-file placement directly in your digital banking app. Full control over UX with a powerful REST API.
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CardLinks Engage
Launch card-on-file campaigns via email, SMS, and direct mail. No digital banking integration required.
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CardLinks Emboss
Drive card-on-file placement at the point of card issuance. QR codes on card carriers launch instant placement flows.
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Grow Card Payment Volumes Today - Pay Only For Success
Marketers: Campaign-specific pricing and Pilot Pricing Available Digital Solutions: Only pay one-time per-site, all future payment income is 100% yours!
Related Resources
Card-On-File For Credit Unions
Helps credit unions place their debit and credit cards as the default payment method across online merchants.
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Card-On-File For Fintechs
Helps fintechs integrate card-on-file automation into their platforms to drive card usage and interchange revenue.
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The Future of Card-On-File
The card that's stored on a merchant's site is the card that gets used. As commerce moves online we keep you relevant.
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What Is Card-On-File
A frictionless experience for users to update their primary card across merchant sites, keeping your card on top.
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