Why Berkeley

Infrastructure for the next generation of payment solutions


Berkeley is a regulated, institution-grade financial utility powering modern banking, payments, money movement, and card solutions.

Since 2006, Berkeley has operated as a compliant, secure financial backbone, helping partners build and scale white-label payment solutions with speed, cost efficiency, and full regulatory alignment.

500+ Clients       10M Accounts       Billions Disbursed

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1. Speed and Cost Efficiency‍

Berkeley eliminates the delays and high costs of legacy, fragmented payments infrastructure.
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  1. 5× Faster Time to Market: Launch branded payment solutions in weeks or months, not years, at a fraction of traditional cost.‍
  2. Proven Rapid Deployment: An S&P 500 payroll firm launched an Earned Wage Access wallet and branded cards in just 12 weeks versus an expected 12 months.
  3. ‍One Integrated Utility: A single platform replaces fragmented issuers, processors, networks, and compliance vendors.

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2. Institutional Trust and Compliance‍

‍We operate as a compliant, secure financial backbone with a track record of success since 2006, trusted by banks, governments, and enterprises.
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  1. Regulatory: We provide a full compliance chain built-in (KYB, KYC, AML) and adhere to standards like RPAA and OSFI.
  2. Security Standards: Berkeley is SOC 2 and PCI certified.
  3. Bank-Controlled Environment: Funds are held within a bank-controlled funds environment.

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3. Modern and Configurable Technology‍

‍Our platform offers the flexibility and innovation required for modern finance, eliminating the rigidity of outdated systems.
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  1. Highly Configurable: Adaptable to specific use cases, risk profiles, and policies - never one-size-fits-all.‍
  2. Modern Infrastructure: Built on a modern API and microservices platform, Berkeley provides proactive innovation and readiness for real-time rails (FedNow, RTP, Interac, EFT, ACH, Visa Direct).‍
  3. Comprehensive Capabilities: From physical and virtual card issuance to instant wallet provisioning and real-time money movement.

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4. Funds Flow Safeguarding‍

‍Client fund protection is embedded into Berkeley’s operating model.
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  1. No Fund Custody: Berkeley never holds or controls client funds. Funds reside in bank-controlled omnibus accounts, with banks initiating all transactions.‍
  2. Strict Segregation: Funds are never used for working capital or investment and are logically isolated with clear ownership and auditability.‍
  3. Immutable Ledger: All transactions are cryptographically verifiable, immutably recorded, and automatically reconciled to ensure accurate balances and timely settlement.

10 Ways we work smarter, faster and better…for you!

1
Easy to Use Platform

From a single platform track, create and build programs, and service your recipients

2
Fully Branded

From platforms, emails, to cards and collateral,  have a fully white-labeled solution

3
Bespoke Solutions

We build a payments solution tailored to your business need

4
Flexible Payments

Choose from physical prepaid, virtual prepaid, DirectSend or real time payments

5
Competitive Pricing

We offer competitive pricing for all programs to help you easily implement and scale programs

6
Real Time Payments

We offer real time payments for quicker disbursements, better cash flow management, and reconciliation processes

7
Secure and Reliable

We’re trusted by some of the biggest banks and corporations for their innovative payment solutions

8
Global Capabilities

Servicing clients and cardholders around the world with global partners for scale and ease

9
Valuable Data Insights

Understand program health, success, purchase behavior with actionable insights

10
PCI Compliant

Rest easy with our PCI certification, all your data is safe and secure

Berkeley helps you launch payments solutions in partnership with financial institutions, payment networks, processors, and fulfillment houses.

Read our success stories