Own Top of Wallet Across Every Channel
Strivve helps fintechs and issuer processors place their cards as the default payment method across 142+ online merchant sites — driving interchange revenue, card activation, and customer loyalty.
The Fintech Challenge
Fintechs and issuer processors compete for every transaction. When a cardholder 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 60% of Gen Z expects to increase their digital wallet usage.
Annual card turnover runs 30–35%, and every reissuance event risks breaking existing card-on-file relationships. Without automated card updates, cardholders default to whichever card is already stored — often a competitor's. The Federal Reserve's 2025 Diary of Consumer Payment Choice found that consumers aged 18–24 now use their phones for 45% of all payments.
Direct Integration For Zero Friction Card Updates
Integrating directly into your platform flow allows cardholders 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 while helping ensure your card remains active, saved, and ready for future purchases.
How Strivve Helps Fintechs
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 beat 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.
No Heavy IT Lift
CardLinks Engage requires no digital banking integration. Launch card-on-file campaigns in weeks using your existing marketing channels.
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 platform. 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 Banks
Helps banks place their debit and credit cards as the default payment method across over 140+ digital merchant sites.
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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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