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Revolutionizing Corporate Credit Card Programs: APIs, SDKs, and User Experience


User Experience at the Forefront of Corporate Credit Cards

When it comes to corporate cards, companies often have a wide range of needs to fulfill. Access to capital, enhanced cash flow, spend controls, costs visibility, streamlined expense accounting, fiscal policy enforcement, multi-currency capabilities, rewards, cashback, and rebates are just some of the benefits corporate cards afford companies.

Building a best-in-class experience that meets those needs requires technical prowess – OR access to APIs and SDKs from a trusted partner that streamlines development.  This article explores what APIs and SDKs are, how they work, and how each can enable the best customer experience.

APIs and SDKs: What is the Difference?

APIs (Application Programming Interfaces) and SDKs (Software Development Kits) are important tools developers use to improve end-developer usability and ultimately, to improve offerings. 

While APIs are the elements that developers use to create end products, SDKs are the toolboxes that provide everything – like documentation, guides, code samples, libraries, and more – third-party developers need to create applications on a specific platform. 


APIs are a set of protocols, routines, and tools developers use to build software applications. They can extract data and functionality from one platform to be used in the developer’s applications and act as a conduit for sending and receiving information. In that way, APIs enable different software systems to communicate with each other, share data, and perform various tasks seamlessly. For fintechs and brands that want to launch and scale credit card programs, APIs are integral for creating new card products, accelerating time to market, and scaling seamlessly. 

Open APIs provide developers access to a web service or software application and can be used to create new payment products or streamline supplier and workforce payments. APIs can also accelerate time to market by enabling companies to leverage existing relationships with issuing banks, networks, and card fulfillment providers to go live quickly. For credit cards, many APIs have built-in compliance and fraud prevention. 


An SDK is a set of tools, including an API, compiled into one package that can be installed and used to build custom apps that can be connected to other programs. Developers use SDKs, which are created specifically for an operating system and hardware platform combination, to develop apps for their platform. 

For credit card offerings, SDKs may include customizable interface drop-ins that developers can use to tailor the user experience across devices. They may include compliant interfaces that help non-financial companies ensure data security and reduce liability. They may also enable developers to customize the user experience based on their own preferred workflows. Workflows include things like the process for customers to complete a new credit application or to pre-qualify customers without a hard credit pull. 

Building Next-Gen Credit Cards & Enhancing User Experience with APIs and SKDs

Tallied’s platform includes APIs, SDKs, and reference designs to guide best-in-class application flow. Together, these tools allow developers to leverage our infrastructure to build commercial credit card programs that are tailored to the brand’s unique user experience. 

With our APIs, developers can extract or deposit data while following blueprints for app flow to enhance the cardholder experience. These tools enable developers to customize transaction processing across a wide range of use cases. Developers can:

Tallied’s API approach enables brands to build, launch, and scale self-service corporate credit cards that can be managed seamlessly, avoiding customer service line headaches. 

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