Cardless is a financial technology company founded in 2019 and based in San Francisco. The firm has developed an embedded credit card platform that allows consumer brands to launch co-branded credit cards directly within their own mobile apps and websites, bypassing the complexity of traditional card issuing.
The platform provides modular APIs, pre-built components, analytics, and full-service infrastructure. Technical work at Cardless spans several domains, including API development, embedded finance, identity verification, transaction management, fraud prevention, and analytics. The company has raised $170 million in funding to date.
Cardless serves a range of industry verticals, including cryptocurrency, travel, airlines, retail, and B2B marketplaces. Its clients include brands looking to offer native credit card experiences integrated into their existing digital properties.
