For any brand looking to enrich their customer engagement with a card program, the first consideration should be: how much control do you want? Traditional co-branded programs offer little in the way of user experience, data, and revenue sharing. It’s time to consider a program that lets you decide what level of control you want, along with access to highly experienced experts to guide your journey from onboarding to go-to-market.

TAKE CONTROL: EMBEDDED CARDS FROM ATELIO BY FIS

Embedded cards from Atelio put you in complete control over every major aspect of the card program. This includes how your brand is presented, how the card is incorporated into your user experience, the granularity of your access to user and transaction-level data, and your share of the interchange economics.

Any engagement with Atelio comes with the support of the FIS organization, ensuring a trusted, safe path toward fielding a card bolstered with expert guidance.

What are the benefits of an embedded card from Atelio?

Branding: You have built a successful brand; one that your customers trust. When extending your brand with a card program, there should be no uncertainty about who is behind the card. With Atelio, you have control over the look and feel of your card.

User experience: When your customers apply for a card within your mobile app or website, they stay within your branded environment, versus clicking away to the issuing bank’s application. Every aspect of the online experience is entirely customizable. 

Data: Unlike traditional co-branded cards where data is shared in aggregate, the Atelio embedded programs provide complete access to user- and transaction-level data to inform rewards distribution, marketing initiatives or new product development. This includes tracking spending habits for use in improving customer acquisition with better targeted engagements aimed at high-value prospects.

Economics: Embedded cards generate interchange revenue that you can keep as revenue or return to your customers in the form of rewards. Atelio has the market power to negotiate favorable interchange fees which we pass along to you. With this card program, you are also able to control how much your customers are charged for ancillary services such as annual fees and international transactions.

WORKING WITH ATELIO

Atelio by FIS offers a complete platform of products and services with fully-featured embedded card programs backed by industry experts across all aspects of introducing and managing a card program.

This includes program management, where Atelio undertakes the majority of crucial steps essential for launching your program. 

Atelio’s program management includes support for:

• Onboarding (KYC/KYB)
• Card management
• Risk and fraud monitoring
• Compliance and marketing 
• Customer service
• Network and bank relationships
• Client go-to-market

This level of support represents significant value, especially for brands new to card programs, enabling you to re-allocate your resources to product development and launch strategies.

We’d like to learn more about how you are approaching a card program and how we can guide your journey.