Payroll-deduction card: lower risk for the issuer, higher approval for the customer
Minimum payment deducted directly from payroll — lower risk for the issuer and higher approval rates for the customer.
FastPay issues and processes the product end to end, including the model integrated with corporate benefits and agreements.
Three designs for payroll-deducted credit
Each variant changes the source of the deduction and the risk profile, while sharing the same issuing and processing infrastructure.
Minimum payment deducted directly from payroll, reducing default rates and widening approval.
Model integrated with corporate benefits, combining a credit limit with rules specific to each agreement.
Lets users access part of their salary early, with flexibility for the employee and predictability for the company.
What sustains the postpaid operation
The payroll-deduction card runs on the same end-to-end chain as FastPay's other postpaid products.
Why issue with FastPay
- Issuing and processing of credit, payroll-deduction, hybrid and secured cards on one platform
- Credit risk management and KYC integrated into the flow
- Financial and operational BPO for support, collections and chargeback
- Accounting and regulatory reconciliation tailored to your ERP and in COSIF format
- Neural anti-fraud and PCI DSS security
Frequently asked questions
It is a credit card whose minimum payment is deducted directly from the holder's payroll or benefit. This reduces default risk for the issuer and increases the approval rate for the end customer.
The traditional payroll-deduction card takes the minimum payment from payroll. The payroll benefits card is integrated with corporate benefits, combining the credit limit with rules specific to each agreement.
Yes. The platform covers collections cadence, debt negotiation, a self-service portal and disputes/chargeback, and FastPay's BPO can run these operations.
The platform delivers Brazilian Central Bank reporting (CADOC), KYC, credit risk management and accounting and regulatory reconciliation in COSIF format.
Yes, in white-label mode and, if needed, on top of FastPay's Visa BIN Sponsor — with app, portal and support under your brand.
Want to issue a payroll-deduction card with complete infrastructure?
Talk to a specialist and assess the product design for your portfolio.
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