One Platform, Infinite Possibilities
Payment Processing
With the most flexible and responsive payments & card issuing platform available, QRails can handle all your payment processing needs. Using our cloud based, open API issuer processor platform, your team can pioneer new payment solutions for your customers. This includes prepaid, virtual, debit, as well other innovative payment options.
As an experienced issuer processor we deliver customized solutions for:
- Authorization
- Disputes
- Chargebacks
- Card Controls
- Reporting
- Account Hierarchy
- Settlement / Reconciliation
- Banking Relationships
- Visa / Mastercard
Payment Processing
With the most flexible and responsive payments & card issuing platform available, QRails can handle all your payment processing needs. Using our cloud based, open API issuer processor platform, your team can pioneer new payment solutions for your customers. This includes prepaid, virtual, debit, as well other innovative payment options.
As an experienced issuer processor we deliver customized solutions for:
- Authorization
- Disputes
- Chargebacks
- Card Controls
- Reporting
- Account Hierarchy
- Settlement / Reconciliation
- Banking Relationships
- Visa / Mastercard
Our Platform… Your Rules
You can control and configure your entire program with our self-service interface. With our platform you can tailor:
- Spending limits
- Risk alerts
- Reporting
- Velocity rules
- Restrictions
- Card to card transfers
Advanced Card Controls
QRails card controls configured via our open API architecture, provides flexible risk mitigation tools.
- Decide when, where and how cards can be used
- Rules applied to every card, groups of cards or a single card
- Set card usage rules on:
- Daily spend
- Load sources
- Merchant types
- Geo-fencing

Program Management
Utilize QRails as your full-service program manager. We offer a full suite of operational support services to make sure your programs are as effective as possible.
Our team is there to support you at every stage — from program design, through helping you devise your marketing strategy and materials, to rolling out your program and ensuring it runs smoothly.
Our comprehensive program management services include:
- Integrated KYC and BSA/AML solutions
- Chargeback administration and dispute management
- Cardholder services — including an IVR self-help line and 24/7 customer call center
Dedicated Account Manager
You’ll have your own dedicated account manager, who’ll quickly get to know your business’ specific requirements and unique challenges.
Launch Services
Our consultants are on hand to help you at each step of a new launch, including program marketing, card design and production, and risk limits and alerts configuration.
Compliance
We’ve chosen a market-leading KYC application which is fully integrated into our system.
Our BSA/AML solution has been designed to comply with all relevant regulatory provisions of the BSA, using sound risk management policies, procedures and processes.
Chargeback Support
Our team has considerable experience in navigating dispute and chargeback procedures. Since our system provides unsurpassed, real time visibility of your cardholder accounts, we can make the process much faster and easier.
Cardholder Services
Our IVR technology means we can customize a greeting script, provide dedicated toll-free numbers, offer customized menu trees and transfers out.
Contact options include phone, email and online chat and our call center operates 24/7 — on-site during working hours and outsourced at other times.

Funds Disbursement
The QRails APIs provide flexibility to disburse funds and provide payments options in a variety of methods.
- Virtual Card
- Prepaid Card – Plastic
- Debit Card – Plastic
- Card-to-Card payments
- Card-to-Bank payments
- Real-time payments
The QRails platform is leveraged in many ways! Here are some examples:
Earned Wage Access
Allowing your employees and contract workers to be paid at a frequency convenient to them. Ability for employees to request instant payment for work performed via their existing Human Capital Management (HCM) or Workforce Capital Management (WFM) platform.
Insurance Claim Disbursement
Reducing friction and costs in the payment process by helping TPAs, adjusters, and insurance companies settle claims quickly.
Just-in-Time Funding
Empowering businesses to meet the high volume, high velocity payment requirements of today’s supply chains and gig economy work forces while maintaining efficient balance sheets and effective controls
Vendor Payments
Single-load and reloadable virtual prepaid accounts for businesses to deliver real-time payments to vendors, suppliers and clients.
Virtual Payments is ideal for the efficient delivery of payments, commissions and royalties to a dispersed network of small businesses who traditionally accept card payments.

Mobile Wallets
QRails supports all the major mobile wallet brands by integrating with the Mastercard Digital Enablement Service (MDES) and Visa Tokenization Service (VTS).
Utilize Popular Mobile Payment Solutions
Retain and capture more users by offering integrations with proven mobile payment solutions like Apple Pay, Google Pay, Samsung Pay and others. QRails can help convert those traditional cards into advanced mobile solutions that your customers are already using.
Now your mobile wallet solution can be the catalyst that facilitates more purchases and improves customer retention for future growth. Deliver virtual accounts and easily convert them to fully functional payment tools that work the way you want.
QRails is a Mobile Wallet Transaction Booster
Reduce friction and abandonment rates by using the QRails’ platform to combine the convenience of mobile technologies with modern payment tools.
Increase advertising conversions immediately by delivering slick virtual accounts that are automatically hooked to a “Pay” solution that boosts in-store and mobile purchases. The easier it is to buy something, the more people will use your service. QRails makes it all happen faster for you.

Insurance Claims Payments
Introducing Rete+Pay
Rete+Pay helps payers and patients pay their medical claims electronically, while facilitating quicker provider payments for medical services.
Visit the Rete+Pay website to learn more about the power of Rete+Pay »

Dashboard
QRails provides an intuitive, secure self-service portal and dashboard for program administrators and cardholders to manage cards and accounts.
Administrators benefit from user friendly card issuance tools and state of the art risk management tools including velocity rules, vendor, geographic and other usage restrictions.
Cardholders benefit from an easy-to-use and secure website to manage their cards and accounts, including card enrolment and activation, activity alerts, card-to-card transfers and bill paying services.
Contact us now to learn more about the flexibility our portals offer.
Serious About Data Compliance
We are committed to keeping your data safe. Our team works with organizations around the word to ensure our platform maintains the highest global data security standards.
