Card networks are more than just payment rails

When building a fintech product, companies often consider external vendors for services such as payment processing, KYC, and fraud prevention, but may overlook the extensive offerings from card networks like Visa and Mastercard. These networks provide a wide range of API-based solutions beyond payment processing, including identity verification and fraud prevention, leveraging their vast transaction datasets for more accurate first-party data. Visa and Mastercard's APIs are integral to their strategy and offer high reliability, exemplified by VisaNet's 99.9999% uptime in 2025. Utilizing these services can streamline a company's tech stack, although awareness and long production timelines can be barriers. Solutions like Evervault can facilitate access to these APIs without direct integration, saving time and resources. Ultimately, the decision to use card network products should be based on specific business needs and timelines, but researching these options can provide long-term benefits to a company's payment infrastructure.

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