transaction processing

Xformative transaction processing solutions provide real-time funds access via a single processing platform.

Whether healthcare, open loop, closed loop or private label network, we support your most complex payment needs.

Our platform supports omni-channel availability, including Point of Sale, virtual card, online (card not present) and mobile.

account management

Xformative offers seamless, leading edge account processing, supporting transaction data prioritization and classification for account types such as healthcare, benefits, expenses, payroll, charitable giving and more. 

Developed with strong security and complete PCI DSS and HIPAA compliance through tokenization, and offering integration via easily connectable APIs. 

customized solutions

Xformative leverages the strength of our technical foundation to offer customized architecture and development.

Whether enterprise solution or modular, our team will work with your requirements to rapidly deploy a solution tailored to your needs.