Regulated infrastructure · Since 2006
The backbone behind modern payment products
A single, institution-grade platform for payments, card issuing, and money movement. Built for banks, governments, and enterprises.
500+
Clients
10M+
Accounts
20yrs
Trust
$Billions
Disbursed
Modernize your banking stack
Issue your own card program
Embed our payment rails
Powering payments for:
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One integration.
The full stack.
Berkeley replaces the fragmented web of issuers, processors, compliance vendors, and fulfillment houses with a single API - and a single relationship.
Physical & virtual cards, built to your brand
Berkeley powers the full prepaid, debit, and credit card lifecycle: design, issuance, funding, management, and cardholder support. Every card is white-labeled to your brand, from the plastic to the portal to the email notifications.
- Chip + magstripe physical cards with custom graphics, carrier design, embossing, and shipping options
- Instant virtual card provisioning via email or SMS: funds accessible in seconds
- Configurable spend controls: ATM, POS, online, single-use or multi-use
- Push cards to Apple Pay and Google Pay wallets for easy tap-to-pay
- On-demand ordering, bulk fulfillment, and instant issuance at point of need
- Lost, stolen, and damaged card handling via API
Real-time money movement: every rail, one API
Berkeley gives clients complete payout control across every major payment rail, from a single integration point. No cobbling together separate providers.
- Visa Direct: Funds reach any Visa debit cardholder in under 30 seconds
- Interac e-Transfer: Bulk automated transfers via API with funds available immediately on acceptance
- RTP / Fednow: Modern real-time rail access for US based programs
- EFT/ACH : Push to or pull from checking or savings accounts
- Choose the right rail per transaction optimizing for cost, speed, and limit requirements
- 3D Secure integration reduces charge-backs and shifts liability
- Complete transaction level reporting and reporting APIs
Compliance as infrastructure
Berkeley manages the full compliance chain on behalf of clients: KYC, KYB, AML, reporting, and regulatory alignment. You stay focused on your product; Berkeley keeps you clean.
- KYC: Fully digital onboarding with flexible identity verification and risk screening
- KYB: Business client authentication and ongoing monitoring
- AML: Real-time and post-transaction screening for suspicious activity
- RPAA/OSFI and FinCEN/BSA aligned; SOC 2 Type II and PCI DSS 4.0
- Card data tokenized and encrypted end-to-end
- On-demand reporting with compliance flags, audit logs, and transaction insights
Client experience
Most platforms make you choose between their portal or your own build. Berkeley doesn’t. The same platform powers multiple delivery modes: use ours, configure your own, or let us build for you.
- Use ours: White label portals and apps, fully branded to your identity, ready to deploy with zero build required.
- We configure it for you: Berkeley's team configures the portal, app, or workflow to your spec, on our infrastructure, under your brand.
- Build your own: Full RESTful API with idempotency support. Embed any Berkeley capability into your existing app, portal, or workflow.
Processor migration delivered as a managed service
Berkeley manages the full migration on your behalf: vendor relationships, existing integrations, and a cardholder experience that never skips a beat.
- Migration management: banks, processors, fulfillment houses, KYC/AML vendors
- Your existing API integrations and cardholder portals carry over untouched with zero re-development required
- Powered by a cloud-native processing stack delivering 300% faster API speeds and 99.99% uptime
- Single vendor relationship replaces a fragmented web of third-party contracts, before, during, and after migration
Why Berkeley?
Four things that set us apart:
1. Speed & cost efficiency
Launch branded payment solutions in weeks, not years — at a fraction of traditional infrastructure cost.
➔ 5x faster time to market than legacy builds
➔ One integrated utility, zero fragmentation
A global payroll provider launched their EWA wallet in just 12 weeks
2. Institutional trust
Trusted by banks, governments, and enterprises since 2006 - with a compliance chain built into every transaction.
➔ Full KYB / KYC / AML coverage built in
➔ Adheres to RPAA + OSFI, SOC 2 + PCI DSS certified
The Government of Alberta relies on Berkeley for disaster recovery disbursements
3. Modern & configurable
Build on a modern API and micro-services stack - adaptable to a huge range of use cases, risk profiles, and regulatory regimes.
➔ Real-time rails: FedNow, RTP, Interac, ETF, ACH, Visa Direct
➔ Physical + virtual card configuration and issuance
EQ Bank built a day-to-day spend account on Berkeley’s platform
4. Funds flow safeguarding
Client fund protection is structural - funds reside in a bank-controlled environment by design.
➔ Berkeley never holds or controls client funds
➔ Strict segregation, cryptographically verifiable ledger
H&R Block modernized tax refund disbursements with Berkeley
Compliance and security
Enterprise-grade trust built in
Berkeley operates as a compliant financial backbone that’s aligned with federal regulatory frameworks.
- Full Regulatory Chain
KYB, KYC, and AML coverage built into every client deployment. OSFI, RPAA, FinCEN and BSA aligned across the US and Canada. - SOC 2 & PCI DSS 4.0
Annual third party audits confirm Berkeley meets the security and availability standards required by enterprise procurement teams. - Bank-Controlled Funds Environment
Funds reside in bank-controlled omnibus accounts. Berkeley never holds or controls client funds - ever. - Immutable Ledger
All transactions are cryptographically verifiable and automatically reconciled with ownership auditability at every layer.
SOC 2 Type II
Security and availability verified annually.
PCI DSS 4.0
Security and availability verified annually.
3D Secure
Issuer verified authentication built into transactions.
Regulatory compliance
We manage and adhere to OFSI, RPAA, FinCEN and BSA frameworks.
Virtual cards, wallets, API integration
App scales social gifting with 99% wallet adoption
Instant issuance, kiosks, portal mgmt
Mall turns gift card program into $23.9M power play
Cards, modern banking, API integration
EQ Bank reaches $1B in funds loaded on Berkeley platform
Ready to build on better infrastructure?
Whether you're launching a new payment product or replacing a fragmented stack, Berkeley's team can get you to market faster than you think.