Fintech as aservice.
Tern provides intuitive modern tools to enable the next generation to receive, store & transmit value securely across virtually any platform, device, or currency.
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ABOUT
What is Tern?
Tern enables brands to launch programs quickly and seamlessly with intuitive custom & white-label web and mobile customer experiences. A suite of back-office tools assists in the management of programs in a safe, secure, and compliant environment.
Banking as a Service
Tern enables companies to launch Banking as a Service Applications offering: ACH Payments, Batch Payments, Real-Time Payments, Close Looped Payments, and Physical/Digital Debit Cards.
Custom Card Programs
Tern architects custom global card programs for both digital and physical payment cards as well as modern card management and UI for program management and consumer login.
Tailored KPI Reporting
Tern ingests your data to present it back in modular reporting graphs for your compliance, sales, and management teams. These dashboards allow for an active well as detailed custom reporting defined by your business needs.
Cutting Edge APIs
Tern develops cutting-edge API Modules for an array of financial services from KYC to payment issuance. We interface with a number of processors and vendors to create easy-to-digest API’s for your project's needs.
SOLUTIONS
Taking your business to the next level
Tern provides tools for programs, program managers, banks, and processors. Each client is unique but typically shares some basic requirements around onboarding customers and businesses as well as loading and unloading funds. Stores of value can be virtual or physical, but all require fraud, SAR (Suspicious Activity Reporting), and AML (Anti-Money Laundering) tools. The Tern platform and team are here to help you realize your vision with a flexible white-label solution.
Prepaid Platform
& Business Analytics
Tern has developed cutting-edge reporting modules that help you track your businesses success over a variety of metrics with a seamless dashboard experience.
State-of-the-art custom reporting graphs that provide insight into all your program's KPIs.
Configure and manage your prepaid card programs in one place.
Detailed reports that give you a granular view into the health of your program.
Velocity and fraud monitoring tools that keep you in the know about your customer’s behaviors.
Manage the fees associated with your card program so you can maximize potential revenue.
Mange your programs cards, inventory, and card types to fine tune your program.
In dashboard messaging tools for targeting your consumers in their dashboards.
Onboard, configure, and customize your brand affiliates in a single place.
View the overall health of your platform and pull/export detailed analytic reports.
Bank in a Box
Banking as a Service
Tern’s “Bank in a Box” allows you to send and receive payments via a white-labeled card and banking service platform. Easily get paid by merchants and use those funds to instantly make purchases for your organization.
Global White-Label
Card Program
Tern has the ability to launch an array of card programs ranging from physical to digital payment cards. These cards interact with our state-of-the-art consumer dashboard allowing your customers more control and transparency when they spend.
Closed Loop
Payment Platform
Tern provides businesses closed-loop payment platforms that enable real-time payment, cross-border payments, and peer-to-peer payments globally. These programs can leverage a combination of digital and physical payment cards dependent on your use case.
OUR TEAM
Tern’s leadership combines experience & talent
