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Thredd

Issuer-focused payment processing APIs and docs

Overview

Thredd provides payment processing via developer-friendly APIs and thorough documentation, focusing on issuer processing for backend card operations like authorization and security. Clients integrate with Thredd through APIs to route payment requests, and Thredd authenticates, authorizes, and settles transactions with card networks. It differentiates itself by specializing in issuer-level processing with clear interfaces, scalable integration options, and support for high transaction volumes. Its goal is to help businesses quickly and reliably add payment functionality, improve transaction speed, and let clients focus on their core business.

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About Thredd

Simplify's Rating
Why Thredd is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

FintechFinancial Services

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

London, United Kingdom

Founded

2007

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What believers are saying

  • October 2026 wins with Finsei, iPayLinks, and NXTMOVES expand pipeline across cards and credit.
  • Caxton renewed for five years in 2026, proving retention and expansion inside live programs.
  • Velocity partnership unlocks cross-border stablecoin settlement, reducing prefunding pain for global issuers.

What critics are saying

  • Stablecoin products from September–October 2026 still depend on partner-bank approvals and market-by-market readiness.
  • Bakkt’s 2027 proof-of-concept leaves Thredd exposed to delayed revenue and execution slippage.
  • Advent, Visa, and Mastercard can back competing processors, shrinking Thredd’s moat and pricing power.

What makes Thredd unique

  • Thredd’s single API spans debit, credit, wallets, and ledgers across 50+ countries.
  • September–October 2026 partnerships with Finsei, iPayLinks, and Bakkt show deep processor flexibility.
  • Visa Agentic Ready and stablecoin integrations position Thredd at emerging payment infrastructure boundaries.

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Benefits

  • Professional Development Budget
  • Flexible Work Hours

Company News

FinTech Global
Oct 20th, 2026
Finsei taps Thredd to power Mastercard debit cards.

Finsei taps Thredd to power Mastercard debit cards. October 20, 2026 Finsei, a London-based payments firm, has partnered with Thredd, an AI-first issuer processing platform, to power the processing infrastructure behind its new Mastercard debit card proposition. Under the agreement, Thredd will manage payment processing and automate Finsei's back-office operations. Its technology will also provide tokenisation, push provisioning, 3D Secure authentication and transaction fraud monitoring, helping Finsei deliver a secure and seamless card experience for business customers. The partnership targets a common challenge for companies operating internationally: managing separate providers for accounts, payments, foreign exchange, cards and expense management. Finsei aims to bring these services together through a single platform, supported by Thredd's payment infrastructure. Customers will initially have access to physical and virtual debit cards, with Apple Pay and Google Pay support planned for a later stage. Finsei provides businesses with multi-currency accounts, Visa and Mastercard cards, SEPA and SWIFT transfers, and recently added acquiring services. The company is authorised by the Financial Conduct Authority and holds ISO 27001 certification. It also states that client money is held with UK and EU banks covered by FSCS protection. The agreement adds to Thredd's presence across the UK and European FinTech and payments markets. The company serves more than 100 FinTech firms, digital banks and embedded finance providers in over 50 countries through a single API. Its platform supports debit and credit cards, digital wallets and ledger functionality, processing billions of transactions annually. Thredd CEO Jim McCarthy said, "Businesses increasingly expect their financial tools to work together rather than operate as a collection of disconnected services. Finsei is building around that expectation, bringing payments, currency management and business spending into a more unified experience. Thredd's role is to provide the flexible, resilient infrastructure behind the card proposition so Finsei can focus on delivering the simplicity, control, and experience its customers expect." Finsei CEO Artjoms Dozorcevs added, "Our clients run businesses across borders, and they don't want one provider for accounts, another for FX and a third for cards. Building our debit card proposition on Thredd's infrastructure means a payment received in one currency can be spent in another from the same account, with the security controls our clients expect. Thredd gives us room to expand what our cards can do as our clients' needs grow." Enjoying the stories? Investors. The following investor(s) were tagged in this article.

Yahoo Finance
Oct 15th, 2026
Thredd and NXTMOVES partner to simplify credit program launch and scale.

Thredd and NXTMOVES partner to simplify credit program launch and scale. Strategic partnership combines modern issuer processing with modern credit operating infrastructure and expertise to provide clients with a more complete path to launch and scale AUSTIN, Texas, October 15, 2026-(BUSINESS WIRE)-Thredd, the AI-first issuer processing platform, today announced a new strategic partnership with NXTMOVES, the operating infrastructure for modern credit card programs, to deliver a more complete path to launching and managing credit card programs. Beginning in the United States, with plans to expand into additional geographies over time, the partnership brings together the technology, infrastructure, operational support, and program expertise companies need to turn a credit proposition into a live, scalable program. Launching a credit program requires significantly more than connecting to an issuer processor. Companies must navigate sponsor bank relationships and due diligence, establish compliant operating processes, secure access to credit facilities, coordinate multiple vendors and put the infrastructure in place to service a program long after the first card is issued. For companies entering credit for the first time, or those without large internal payments and program management teams, bringing those pieces together can add significant complexity between product vision and launch. Through the partnership, Thredd and NXTMOVES aim to change that. "Great credit propositions can stall because the technology is only one part of what it takes to get a program into market," said Kevin Fox, Chief Revenue Officer at Thredd. "Clients may have the vision and customer experience mapped out, but they still have to bring together many pieces into a program that works as one. By partnering with NXTMOVES, we can give clients a much more coordinated path from idea through launch and ongoing management, while allowing them to stay focused on building the products and experiences that differentiate their business." "Companies should be able to build a differentiated credit product without first becoming experts in every operational and regulatory layer behind it," said Steve Nigri, Co-Founder of NXTMOVES. "Launching a successful credit program requires more than great technology - it requires banking relationships, compliance, operations, funding, and processing to work together as one. NXTMOVES was built to coordinate that ecosystem, and our partnership with Thredd combines that operating model with one of the industry's leading issuer processing platforms. Together, we're giving organizations a faster, more coordinated path from idea to launch - and the foundation to scale with confidence."

Creative Bharat
Sep 23rd, 2026
Thredd partners with Velocity to expand global payments platform, offer stablecoin-powered money movement.

Thredd partners with Velocity to expand global payments platform, offer stablecoin-powered money movement. * admin@cb26 * September 23, 2026 * 0 Comments * 14 Views Business Wire India Thredd, the AI-first issuer processing platform, today announced the expansion of its payments platform to include stablecoin-powered money movement capabilities, through a partnership with Velocity, the stablecoin treasury and settlement platform bringing enterprises onchain. The initial rollout of these capabilities will focus on supporting B2B and B2B2B applications, including stablecoin-backed card programmes, cross-border payouts, global treasury flows and on-chain settlement. Thredd clients will now be able to convert between fiat currencies and supported stablecoins, send funds on-chain or through connected fiat rails, and use stablecoins for funding, payouts and settlement. "Stablecoins are rapidly becoming an important part of global payments infrastructure, but clients should not have to rebuild their payments stack to take advantage of them," said Jim McCarthy, CEO, Thredd. "By bringing stablecoin money movement into the Thredd platform, we can connect the issuing and processing capabilities our clients already rely on with new ways to move, convert and settle funds. It's about giving clients more flexibility while maintaining the controls, reliability and operational support they expect from Thredd." To provide the underlying stablecoin infrastructure, Thredd has selected Velocity as a new strategic technology partner. Velocity will provide programmable wallet infrastructure, connectivity to blockchain and banking rails, liquidity and conversion capabilities, and the orchestration required to support transfers and settlement. "The real opportunity with stablecoins isn't a new asset, it's a more programmable way for businesses to move and manage money globally," said Eric Queathem, CEO and founder of Velocity. "Thredd's platform is already trusted by some of the most sophisticated card programmes in the market, and this partnership gives those clients a practical way to use stablecoin rails inside an environment they already know. That's where stablecoins get powerful: not as a separate crypto product, but as infrastructure embedded in the systems businesses already use." For issuers and programme managers, that can change the economics of running a global card programme. Less capital needs to sit idle across markets, prefunding and collateral requirements can be reduced, and settlement funds can move across currencies and geographies without being constrained by the operating hours and intermediary chains of correspondent banking, with no separate onchain workflow to build or maintain. By connecting stablecoin infrastructure with Thredd's existing ledger, APIs, issuer processing, card controls, fraud and risk services, reconciliation and operational support, clients will have a single commercial and technical entry point for managing how value is held, moved and spent. The planned offering is designed as a global capability, with commercial availability to be introduced market by market based on regulatory, partner and product readiness. About Velocity Velocity is the first stablecoin payments and treasury platform purpose-built for global CFOs and Treasurers. By combining regulated stablecoins with traditional financial infrastructure, the platform enables companies to move funds in real time, manage liquidity more efficiently and simplify global settlement. Velocity helps finance teams reduce FX and liquidity friction, unlock trapped capital and gain greater visibility into global cash flows. Velocity is backed by strategic investors including Visa, Capital One and Circle, alongside Dragonfly and FirstMark Capital. Learn more at www.velocity.xyz About Thredd Thredd is the trusted, AI-first, cloud-enabled issuer processing platform powering the next generation of global payments. Through a single API, unified platform, Thredd delivers debit, credit, digital wallet and ledger capabilities to over 100 fintech, digital banks and embedded finance providers, across 50+ countries, processing billions of transactions annually. With a global operating footprint, local expertise, and AI integrated into every layer of its platform, Thredd has been purpose-built for speed, scale and modern issuance models, setting the standard for market entry, client experience, security, regulatory rigour and operational resilience. Learn more at www.thredd.ai View source version on businesswire.com: https://www.businesswire.com/news/home/20260923771105/en/ Business Wire India Thredd, the AI-first issuer processing platform, today announced the expansion of its payments platform to include stablecoin-powered money movement capabilities, through a partnership with Velocity, the stablecoin treasury and settlement platform bringing enterprises onchain. The initial rollout of these capabilities will focus on supporting B2B and B2B2B applications, including stablecoin-backed card programmes, cross-border payouts, global treasury flows and on-chain settlement. Thredd clients will now be able to convert between fiat currencies and supported stablecoins, send funds on-chain or through connected fiat rails, and use stablecoins for funding, payouts and settlement. "Stablecoins are rapidly becoming an important part of global payments infrastructure, but clients should not have to rebuild their payments stack to take advantage of them," said Jim McCarthy, CEO, Thredd. "By bringing stablecoin money movement into the Thredd platform, we can connect the issuing and processing capabilities our clients already rely on with new ways to move, convert and settle funds. It's about giving clients more flexibility while maintaining the controls, reliability and operational support they expect from Thredd." To provide the underlying stablecoin infrastructure, Thredd has selected Velocity as a new strategic technology partner. Velocity will provide programmable wallet infrastructure, connectivity to blockchain and banking rails, liquidity and conversion capabilities, and the orchestration required to support transfers and settlement. "The real opportunity with stablecoins isn't a new asset, it's a more programmable way for businesses to move and manage money globally," said Eric Queathem, CEO and founder of Velocity. "Thredd's platform is already trusted by some of the most sophisticated card programmes in the market, and this partnership gives those clients a practical way to use stablecoin rails inside an environment they already know. That's where stablecoins get powerful: not as a separate crypto product, but as infrastructure embedded in the systems businesses already use." For issuers and programme managers, that can change the economics of running a global card programme. Less capital needs to sit idle across markets, prefunding and collateral requirements can be reduced, and settlement funds can move across currencies and geographies without being constrained by the operating hours and intermediary chains of correspondent banking, with no separate onchain workflow to build or maintain. By connecting stablecoin infrastructure with Thredd's existing ledger, APIs, issuer processing, card controls, fraud and risk services, reconciliation and operational support, clients will have a single commercial and technical entry point for managing how value is held, moved and spent. The planned offering is designed as a global capability, with commercial availability to be introduced market by market based on regulatory, partner and product readiness. About Velocity Velocity is the first stablecoin payments and treasury platform purpose-built for global CFOs and Treasurers. By combining regulated stablecoins with traditional financial infrastructure, the platform enables companies to move funds in real time, manage liquidity more efficiently and simplify global settlement. Velocity helps finance teams reduce FX and liquidity friction, unlock trapped capital and gain greater visibility into global cash flows. Velocity is backed by strategic investors including Visa, Capital One and Circle, alongside Dragonfly and FirstMark Capital. Learn more at www.velocity.xyz About Thredd Thredd is the trusted, AI-first, cloud-enabled issuer processing platform powering the next generation of global payments. Through a single API, unified platform, Thredd delivers debit, credit, digital wallet and ledger capabilities to over 100 fintech, digital banks and embedded finance providers, across 50+ countries, processing billions of transactions annually. With a global operating footprint, local expertise, and AI integrated into every layer of its platform, Thredd has been purpose-built for speed, scale and modern issuance models, setting the standard for market entry, client experience, security, regulatory rigour and operational resilience. Learn more at www.thredd.ai

TMCnet
Sep 23rd, 2026
Thredd Partners with Velocity to Expand Global Payments Platform, Offer Stablecoin-Powered Money Movement

Thredd Partners with Velocity to Expand Global Payments Platform, Offer Stablecoin-Powered Money Movement TMCnet News [September 23, 2026] | / | Thredd Partners with Velocity to Expand Global Payments Platform, Offer Stablecoin-Powered Money Movement Thredd, the AI-first issuer processing platform, today announced the expansion of its payments platform to include stablecoin-powered money movement capabilities, through a partnership with Velocity, the stablecoin treasury and settlement platform bringing enterprises onchain. The initial rollout of these capabilities will focus on supporting B2B and B2B2B applications, including stablecoin-backed card programmes, cross-border payouts, global treasury flows and on-chain settlement. Thredd clients will now be able to convert between fiat currencies and supported stablecoins, send funds on-chain or through connected fiat rails, and use stablecoins for funding, payouts and settlement. "Stablecoins are rapidly becoming an important part of global payments infrastructure, but clients should not have to rebuild their payments stack to take advantage of them," said Jim McCarthy, CEO, Thredd. "By bringing stablecoin money movement into the Thredd platform, we can connect the issuing and processing capabilities our clients already rely on with new ways to move, convert and settle funds. It's about giving clients more flexibility while maintaining the controls, reliability and operational support they expect from Thredd." To provide the underlying stablecoin infrastructure, Thredd has selected Velocity as a new strategic technology partner. Velocity will provide programmable wallet infrastructure, connectivity to blockchain and banking rails, liquidity and conversion capabilities, and the orchestration required to support transfers and settlement. "The real opportunity with stablecoins isn't a new asset, it's a more programmable way for businesses to move and manage money globally," said Eric Queathem, CEO and founder of Velocity. "Thredd's platform is already trusted by some of the most sophisticated card programmes in the market, and this partnership gives those clients a practical way to use stablecoin rails inside an environment they already know. That's where stablecoins get powerful: not as a separate crypto product, but as infrastructure embedded in the systems businesses already use." For issuers and programme managers, that can change the economics of running a global card programme. Less capital needs to sit idle across markets, prefunding and collateral requirements can be reduced, and settlement funds can move across currencies and geographies without being constrained by the operating hours and intermediary chains of correspondent banking, with no separate onchain workflow to build or maintain. By connecting stablecoin infrastructure with Thredd's existing ledger, APIs, issuer processing, card controls, fraud and risk services, reconciliation and operational support, clients will have a single commercial and technical entry point for managing how value is held, moved and spent. The planned offering is designed as a global capability, with commercial availability to be introduced market by market based on regulatory, partner and product readiness. About Velocity Velocity is the first stablecoin payments and treasury platform purpose-built for global CFOs and Treasurers. By combining regulated stablecoins with traditional financial infrastructure, the platform enables companies to move funds in real time, manage liquidity more efficiently and simplify global settlement. Velocity helps finance teams reduce FX and liquidity friction, unlock trapped capital and gain greater visibility into global cash flows. Velocity is backed by strategic investors including Visa, Capital One and Circle, alongside Dragonfly and FirstMark Capital. Learn more at www.velocity.xyz About Thredd Thredd is the trusted, AI-first, cloud-enabled issuer processing platform powering the next generation of global payments. Through a single API, unified platform, Thredd delivers debit, credit, digital wallet and ledger capabilities to over 100 fintech, digital banks and embedded finance providers, across 50+ countries, processing billions of transactions annually. With a global operating footprint, local expertise, and AI integrated into every layer of its platform, Thredd has been purpose-built for speed, scale and modern issuance models, setting the standard for market entry, client experience, security, regulatory rigour and operational resilience. Learn more at www.thredd.ai View source version on businesswire.com: https://www.businesswire.com/news/home/20260923771105/en/ [ Back To TMCnet.com's Homepage] |

ConnectWeb
Sep 15th, 2026
News & articles.

News & articles. At ConnectWeb Connectweb has a team of editors and researchers collating the most relevant information to you and your industry. All Directories' publications and sites provide a wealth of information for research or marketing, and are used by public and corporate libraries, educational institutions, government departments, corporations and SMEs across the country. Access the latest company news and announcements distributed through Medianet. Technology & Innovation 15/09/2026 17:07 Thredd selected by iPayLinks to power new virtual commercial debit card programme. Partnership extends iPayLinks' cross-border payment capabilities with modern processing, 3DS and fraud monitoring SINGAPORE-BUSINESS WIRE- Thredd, the AI-first issuer processing platform, today announced that iPayLinks, a leading cross-border payment and capital settlement platform, has selected Thredd to power its new Mastercard virtual commercial debit card programme. The programme, expected to launch by the end of Q3, extends iPayLinks' cross-border proposition into card issuing, giving its customers a fast, secure way to move and spend funds across markets. Through the partnership, iPayLinks acts as the self-issuer and retains control of its card programme and spend controls, while Thredd delivers the processing layer, including: BIN and programme set-up, 3D Secure, and fraud and transaction monitoring, all through a single, cloud-native platform built for speed to market and scale. "iPayLinks has built a comprehensive platform that helps businesses simplify the movement and management of funds across borders," said Damien Gough, Head of APAC, at Thredd. "The addition of virtual commercial debit cards represents a natural extension of that proposition, giving iPayLinks and its customers another secure and efficient payment option. We are pleased to support the launch with the scalable processing infrastructure, fraud monitoring and payments expertise needed to operate a modern commercial card programme." "Businesses operating internationally need payment solutions that are secure, flexible and designed around the realities of cross-border commerce," said Gunther Zhen, Founder and CEO at iPayLinks. "By working with Thredd, we are expanding the capabilities available through the iPayLinks platform and creating a more complete payment experience for our customers." The partnership also reinforces Thredd's continued growth across Asia Pacific, where it supports fintechs and payment providers seeking to launch card propositions designed for regional and international use cases. Through its global platform, scheme connectivity and local payments expertise, Thredd enables clients to bring debit, prepaid, credit and virtual card programmes to market and scale them across multiple geographies. About iPayLinks iPayLinks is a leading cross-border payment service provider in China. By building a global one-stop cross-border payment and fund clearing and settlement platform, it helps cross-border enterprises to conduct global capital collection and payment, currency exchange and distribution in an efficient and succeed way. iPayLinks currently has 4 payment licenses and set up disbursement in multiple countries. The company has 15 offices across Hong Kong, Singapore, United Kingdom, and United States, and supports 22 mainstream settlement currencies. iPayLinks serves 150 countries and regions, and 200,000 users across their network. iPayLinks is committed to empowering cross-border companies with financial technology for global business development, and to becoming a cross-border fund guardian in the era of digital economy. Currently, iPayLinks has received several rounds of funding from world-renowned investment institutions such as Vision Plus Capital, Tencent, Lenovo, Phoenix Xiangshui and Kairos Fund, and has maintained PCI-DSS Level 1 certification - the most advanced security certification in international card payment schemes - for eleven consecutive years, as well as ISO/IEC 27001 information security management system certification. For many years, the company has been honored as one of the 'KPMG China FinTech 50' and 'Forbes China High Growth Gazelles 100'. About Thredd Thredd is the trusted, AI-first, cloud-enabled issuer processing platform powering the next generation of global payments. Through a single API, unified platform, Thredd delivers debit, credit, digital wallet and ledger capabilities to over 100 fintech, digital banks and embedded finance providers, across 50+ countries, processing billions of transactions annually. With a global operating footprint, local expertise, and AI integrated into every layer of its platform, Thredd has been purpose-built for speed, scale and modern issuance models, setting the standard for market entry, client experience, security, regulatory rigour and operational resilience. Learn more at www.thredd.ai Contact details: * images - thredd_logo.jpg download. ConnectWeb. ConnectWeb is Australia's leading publisher of biographical data, directories and specialist newsletters. With ConnectWeb you gain access to its comprehensive database of contacts and companies in media, government and associations. Connect with Connectweb.

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