Totavi, a leading fintech strategy and product advisory firm, has announced the publication of its 2026 Credit Card Program Management Platform Market Analysis. Building on the 2025 edition, this updated report delivers expanded coverage and deeper analysis of the credit-cards-as-a-service (CCaaS) landscape, serving as an essential resource for banks, credit unions, fintech companies, and brands seeking to launch a credit card or evaluating credit card program management platforms (PMPs).
What's New in 2026
The 2026 report introduces four key updates reflecting the most important market developments since last year:
- PMPs that Include Capital. A new class of program managers is emerging that brings capital directly to card programs, changing the economics and timelines of program launches. The report details how these providers structure risk-sharing arrangements and what this means for banks, brands, and fintech companies.
- Coinbase One Card Analysis. The report includes dedicated commentary on the newly announced partnership between Coinbase and Cardless, examining the card program’s architecture and what it signals for the broader co-brand and rewards card market.
- Four New Provider Profiles. Totavi has expanded its coverage with four additional platform profiles — Fidem Financial, Rain, Sunbit, and Synctera — ensuring readers have the most current view of the competitive landscape. Profiles include details on funding, customers, technical capabilities, and compliance and security features.
- Recommended Questions to Ask PMPs. Totavi has included a new list of questions that brands should ask PMPs in order to determine the best fit.
- Expanded Credit Card Timeline. A new section covers three pivotal industry developments: asset-backed credit card structures, the rise of crypto-linked credit cards, and the growing role of PMPs that include capital.
Continuing Coverage
As in prior years, the 2026 report continues to cover the full breadth of the credit card program management market. The report spans detailed analysis across thirteen major credit card PMPs, including Cardless, Highnote, Marqeta, and Stripe.
For fintech companies and brands interested in launching a credit card, Totavi's proprietary charts and tables replace months of vendor meetings, demos, and RFIs with a single, comprehensive view of each provider's BIN types, program features, technical capabilities, and compliance offerings.
"The 2026 report reflects significant structural shifts in the market," said Matthew Goldman, Founder of Totavi. "We published this edition to ensure enterprises of every size have the clearest possible picture as they make consequential program decisions."
Totavi’s 2026 Credit Card Program Management Platform Market Analysis is available to all Totavi Pro subscribers. For $795, users have access to all reports from Totavi. To learn more, visit www.totavi.com/research.
