• Thredd is the payments partner trusted by industry leaders to process billions of transactions each year. We have everything you need to develop, test and launch revolutionary payment experiences. Thredd help you issue cards, expand into new regions, improve customer experience, migrate and upgrade your tech, cut operating costs, and reduce the risk of fraud.

  • Thredd is for businesses and innovators in the payment and fintech industries who want to launch, scale, or enhance their payment solutions. Whether you’re a fintech startup, a global bank, or an established enterprise exploring new payment technologies, we provide the tools to create tailored solutions. Our scalable infrastructure and robust API integrations support virtual cards, prepaid cards, credit, and debit programs. While our versatility ensures we can also provide support for gift cards, fraud solutions, and crypto payments.

  • Thredd’s scalability, flexibility, and comprehensive features designed for modern payment solutions set us apart. We offer best in industry customer service to support you through your growth stage, along with robust API integrations for highly customised card issuance and transaction processing solutions with maximum flexibility. Thredd supports prepaid, debit, credit, and virtual cards, for startups and established enterprises. We stand out for our global reach, supporting multi-currency operations and compliance with regional regulations. Our platform emphasises speed, enabling quick time-to-market for new payment products. Additionally, Thredd provides dedicated customer support and real-time insights to optimise program performance, making our platform a versatile choice for businesses aiming to innovate in the fintech and payment industries.

  • Thredd serves a wide range of industries including banking, cross-border & remittance providers, corporate payments and expense management platforms, international payments, travel & foreign exchange providers, travel agencies, crypto solution providers, fintechs, insurance companies, gaming, benefits companies, as well as governments. We bring together cutting-edge technology with bespoke solutions, and a deep understanding of the payments landscape to help you transform the way you do business, whatever your sector.

  • Thredd’s partners span a wide range of financial technology providers, banks, and industry leaders. We work with banking-as-a-service platforms, fraud prevention specialists, and compliance technology providers. Thredd also collaborates with digital wallet providers, processors, and issuers. Key partners include Visa and Mastercard, Diners Club/Discover, Apple Pay, Samsung Pay, Garmin Pay, and Fitbit pay, Google Wallet. These partnerships enable Thredd to offer comprehensive solutions tailored to the needs of fintechs, banks, and businesses worldwide.

  • There are a number of ways to contact Thredd, around the globe, depending on your requirements. On our contact page you’ll find contacts for press and media, careers, and customer support, as well as the physical addresses for our offices in London, Singapore, and Australia.

Developers.

  • Our Getting Started Guide explains all the stages of launching your programme with Thredd. It takes you through the entire process, from scoping the project to going live.

    View our Getting Started Guide.

  • In our Technical Documentation hub, you’ll find all our current and previous documents which cover developer information, transaction reporting and management, card configuration and more.

    View our Technical Documentation.

  • Our Developer Portal contains a full list of the products and services we offer. From security and risk mitigation to card integration, explore our entire offering in one place.

    View our Products and Services page.

  • Our Products and Services page includes all our product sheets.

    View our product sheets.

  • Our Developer Integration page has all the information you need to make integration easy, with guides to our web services (SOAP), API, card status codes and more.

    View our Developer Integration page.  

  • There are three stages to setting up on the test environment: getting access, testing your integration, and creating a CHIP profile. Follow our step-by-step guide to get started.

    View our Set up on the Test Environment guide.

Technology.

  • Developers will find all the information they need on our Documentation Portal. It includes a range of guides and information to help speed up your integration to Thredd.

    View our Documentation Portal.

  • Explore our Cards API Website for in-depth information on integrating our cards using API. Discover step-by-step instructions to getting started, an introduction to cards and cardholders, a guide to 3D Secure enrolment, and more.

    View our Cards API Website.

  • We have a detailed FAQ page for questions about the Documentation Portal and the available technical documentation. If you’re still unsure, don’t hesitate to get in touch with us. 

    View our Frequently Asked Questions.

  • Our Developer Integration page has all the information you need to make integration easy, with guides to our web services (SOAP), API, card status codes and more.

    View our Developer Integration page.

  • Thredd’s APIs are designed to be language-agnostic, meaning they can be used with any programming language or framework that supports HTTP requests and JSON. Common languages include Python, Java, JavaScript (Node.js), Ruby, C#, and PHP. Popular frameworks like Django, Flask, Spring Boot, Express.js, and .NET also work seamlessly with Thredd’s APIs. The APIs provide comprehensive documentation, including code examples and endpoints, to help developers integrate them efficiently, regardless of the chosen technology stack.

  • Integrating Thredd with existing e-commerce platforms is relatively straightforward, thanks to its flexible API and pre-built connectors. Thredd is designed to seamlessly integrate with popular platforms like Shopify, WooCommerce, and Magento. The process typically involves configuring API keys, setting up webhooks, and ensuring compatibility between Thredd's backend and the e-commerce system. For most users, the integration can be completed in a few hours or less, depending on the complexity of the setup. Thredd provides detailed documentation and support to guide users through the process. Additionally, it supports custom integrations for more tailored needs, making it a versatile choice for a variety of e-commerce environments.

  • Yes, Thredd offers a range of SDKs and plug-ins for developers to enhance their workflow and integrate with their services. These tools are designed to make it easier to build custom applications, extend functionality, and connect Thredd with other platforms. The SDKs are available in multiple programming languages, enabling developers to choose the one that fits their project. Thredd also provides a variety of plug-ins for popular development environments, allowing seamless integration with third-party software. Detailed documentation, including guides and code examples, is available to help developers get started quickly. For specific SDKs and plug-ins, visit Thredd's developer portal.

  • The typical implementation timeline for new clients using Thredd generally ranges from 4 to 8 weeks, depending on the complexity of the integration and the specific needs of the client. The process usually begins with an initial consultation to understand requirements, followed by system configuration and customisation. Afterward, data integration and testing are performed to ensure seamless functionality. Once the system is fine-tuned, user training and final deployment take place. Thredd's team provides ongoing support throughout the process to ensure smooth implementation and adoption. The timeline may vary depending on factors such as the size of the organisation, data migration needs, and any custom features required.

  • Thredd handles scalability by offering a flexible architecture designed to support businesses as they grow. Our cloud-native infrastructure allows for seamless scaling across multiple regions and environments. We use auto-scaling features, which dynamically adjust resources based on transaction volume, ensuring performance remains consistent even during high-demand periods. Additionally, Thredd supports microservices architecture, enabling businesses to scale individual components without affecting the entire system. By leveraging containerisation and orchestration tools like Kubernetes, Thredd ensures optimal resource utilisation and high availability. This approach helps businesses efficiently manage increasing transaction volumes without compromising on speed or reliability.

Issuer processing.

  • Issuer processing means mediating payment networks for merchants and issuers (banks or other types of financial institutions). An issuer processor is a financial institution that primarily acts on behalf of the issuer by authorising, settling and securing transactions. The issuer processor shuttles data between financial players, authorising transactions and supporting businesses with card issuance, transaction management, and payment innovation.

  • Payment processing refers to the entire process of handling and facilitating transactions from the point of sale to the settlement of funds. It involves multiple steps such as authorisation, authentication, and the transfer of funds from the buyer's account to the seller's account. Payment processing is important because it:

     

    • Enables businesses to accept payments from customers securely and efficiently, whether in-store, online, or through mobile devices.
    • Ensures security to protect sensitive financial information, such as encryption and tokenisation, reducing the risk of fraud and ensuring customer trust.
    • Is convenient in a world where customers expect seamless payment using their preferred method.
    • Accelerates the transfer of funds from customers to businesses, maintaining a healthy cash flow and allowing businesses to manage their finances effectively.
    • Supports business growth by contributing to customer satisfaction and retention.
    • Adheres to strict regulations and compliance standards, ensuring that businesses operate legally and avoid penalties.

  • We’re partnered with a range of card manufacturers all over the world. Explore our list of supported card manufacturers, including their region and functionality.

    View our Card Manufacturers.

  • A cardholder is created as part of the card-launching process, and without a separate API call to a cardholder. Follow the guides for more information.

    View information on Creating a Cardholder and Creating a Card.

  • To update a customer’s personal details – such as name, address, contact details, etc – you need to capture any details which have changed, identify the customer’s card, and make an update card request.

    View information on Updating Card Details.

  • If you’ve launched a virtual card and want to convert it to a physical one, you need to make an API call to identify its public token. Follow the step-by-step guide on converting cards below.

    View information on Converting a Card from Virtual to Physical.

  • Tokenisation is a security technology which replaces the 16-digit permanent account number (PAN) on a physical card with a unique payment token (a digital PAN or DPAN) that can be used in payments, preventing the need to expose or store actual card details.

    View our Tokenisation Service Guide.

  • Our API Explorer provides the API endpoints, code examples and field details you need to submit requests. We provide a Postman Collection, which you can download and use for trying the Cards API.

    Note: we provide restricted access to our API to ensure the security of our environments. Please contact us to request access.

    View our API Explorer.

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