Your processor problem isn't unusual


Programmes don't switch because they want to. They switch because the current setup has stopped serving them, usually later than it should have. The friction shows up in the same places, every time: 

  • Authorisation control: every rule change becomes a project, and every project has a queue
  • Product roadmap: your roadmap is partly owned by your vendor
  • Programme economics: without transaction-level visibility, interchange optimisation is guesswork
  • Regional expansion: growth ambitions outpacing what the stack can support
  • Operational support: no named contact; most costly when you need fast decisions
  • Legacy architecture: processor-sourced outages that get worse, not better

The question isn't whether your processor is causing friction. It's how many dimensions it spans.

Download Thredd's migration checklist 

Talk to our migration team

Thredd has run dozens of full-portfolio migrations across Europe, APAC and the Americas, all without disrupting a single cardholder.

  • Five-phase methodology with full pre-go-live rehearsals
  • Dedicated Implementation Manager throughout
  • Zero cardholder impact on go-live, every time

Please complete the form below

Required field*
First Name is required
Last Name is required
Company is required
Email is required
Country is required
Team working

Built for programmes that have outgrown their current processor

Thredd is an issuer processor, not a BaaS stack and not a bank. The platform handles real-time authorisation, card lifecycle management, scheme connectivity and programme implementation for debit, credit and prepaid across five regions.

Programmes get direct control over their BIN, interchange and authorisation logic, with 99.99% uptime and no rebuild per market.

Next-generation card use cases, including agentic commerce and stablecoin settlement, require processors built for programmability.

Thredd's architecture is designed for it.

How a migration to Thredd works

  • Scope and prerequisites defined. PRD produced covering requirements, bespoke development and timescales. Data requirements workshop with outgoing processor. Mastercard APW or Visa CIQ reviewed. PRD signed off as basis for PSF.

  • Platform configuration finalised. PSF built iteratively during UAT testing. PSF submitted for Issuer approval. Live configuration set up for Pavement testing.

  • Detailed Runbook created covering every task, responsible party and timing. Multiple full rehearsals conducted. Initial data loads completed; daily delta files obtained up to the Authorisation Switch.

  • Go/No Go meeting with all participants. Predefined test scenarios verified live. Authorisation traffic switched during your off-peak window and monitored in real time.

  • Real-time monitoring of authorisation traffic. Clearing processed by Thredd technical teams. Full project team support throughout the close-support period. Formal handover to Account Manager and Customer Care Specialist for BAU.

Despite the turbulent times created by the Wirecard situation, Thredd remained responsive to our needs and enquiries during the onboarding process.

Malte Rau CEO and Co-Founder, Pliant

Infrastructure that moves with your programme

Thredd Icon

Direct scheme relationships in every market you operate

Thredd is globally certified by Visa and Mastercard for debit, credit and prepaid programmes. That means direct scheme access in Europe, MENA, APAC and North America, not a chain of intermediaries. Your programme operates under Thredd's certifications from day one.

Thredd Icon

Debit, credit and prepaid on a single integration

Most issuer processors are built for one product type. Thredd's composable architecture supports debit, credit, charge and prepaid on the same integration. When your programme evolves, you don't move processor again.

Thredd Icon

Real control over your BIN and authorisation logic

With most incumbent processors, changing a spend rule means raising a ticket, joining a queue and waiting. Thredd gives programme managers direct access to their BIN, interchange levers and authorisation rules via REST API or Smart Client. Your roadmap runs at your pace, not your vendor's.

Thredd Icon

Implementation support that owns the complexity

Every client gets a dedicated Implementation Manager from project initiation to BAU handover. They manage the relationship between your organisation, your outgoing processor and Thredd. They run the rehearsals, the Go/No Go gate and the post-live monitoring. The complexity doesn't fall on your team.

Thredd Icon

Migration is hard. Thredd has done it before, at speed and under pressure.

The hardest parts of a processor migration are never the technology. Data extraction, scheme window coordination and incumbent cooperation are the real variables. Thredd's five-phase methodology includes defined rollback checkpoints at every stage and has been proven on emergency migrations against compressed timelines.

Thredd Icon

A real-time system of record

One source of truth across every account, wallet, and transaction. Full traceability, no stitching systems together.

Proven performance

  • 325m+

    cards

    Supported on our platform

  • 2.5bn+

    transactions

    Processed every year

  • 50+

    countries

    Where our clients process