why Choose xformative?

Cheaper   |   Faster   |   Better

(and designed to stay that way)


The only processor platform built in the cloud

Built using continuous development methodology in both traditional cloud deployment (PaaS) and serverless Amazon Web Services (AWS) frameworks, Xformative is the most scalable yet reliable platform existing today.

Leveraging cloud computing means our solutions feature superior speed, robust security and enhanced economics.

Xformative provides technical and strategic advantages that are unmatched in the industry, including microservices, easily connectable APIs, hot and cold data warehousing, and tokenization. The tokenization process replaces sensitive data, such as a credit card number, with a randomly generated identification number that has no value of its own. We use tokenization as an added strong security measure to secure all credit card numbers at all stages within the system.

By combining our team’s decades of experience with state-of-the-art technology and a global leader in digital payments, Xformative has no limits—our solutions will meet your needs.

OUr TPA Partner Has a Great Story to Tell

“Partnering with Xformative has been a game changer for us. All of our new and existing participants will receive pre-paid debit cards that work with all of their benefit accounts, as well as charitable giving dollars and the balance in their cash account. The card is so smart it knows exactly which account to draw from at the point of sale. No more wondering which card pays for what. This card does it all.”


Xformative performs card issuing, authorization processing, financial accounting, and other benefit account–related processing tasks for one of the country’s largest consumer-driven health care TPAs (third-party administrators). Key to this partnership is the real-time processing between Xformative’s processing platform and the TPA’s proprietary benefits administration platform.

Our technology provides the highest degree of financial integrity and reconciliation for our clients. And with our API-driven platform, you’ll benefit from reduced development time and complexity when we integrate your new services and features that put you ahead of the competition.