All Cards in One Credit Card: Streamlining Your Spending

Having multiple credit cards can be overwhelming, with different due dates, interest rates, and rewards programs to keep track of. This is where an all-in-one credit card comes in, streamlining your spending and making it easier to manage your finances.

With an all-in-one credit card, you can consolidate multiple credit cards into one account, reducing the number of bills to pay and the amount of time spent managing your credit.

Many all-in-one credit cards offer a single due date, making it easier to plan your payments and avoid late fees.

Curve connects all of your credit (and debit) cards into a single card and app. It's a game-changer for anyone who's tired of juggling multiple cards and statements.

This innovative service allows you to manage all your credit and debit cards in one place, making it easier to keep track of your spending and stay on top of your finances.

The benefits of an all-in-one credit card are numerous. You can make your life more convenient and easy by reducing the number of physical cards in your wallet.

Having fewer numbers to memorise is a big plus, as all cards have the same PIN code. This makes it easier to manage your finances and reduces the risk of forgetting a PIN code.

With an all-in-one card, you can separate different balances with ease, for example, lunch and wellness benefits. This makes it simple to keep track of your expenses and stay organized.

The Curve card is a great example of an all-in-one credit card. It allows you to securely connect all your cards into a single credit card, making it easy to manage your finances on the go.

You can choose which credit card the Curve card represents when you use it, making it easy to switch between cards. This is especially useful when you're making purchases in different contexts, like a business meeting or a personal shopping trip.

If you've charged a purchase to the wrong credit card, you can go back and reallocate the payment to the correct credit card afterwards. This feature is convenient and saves you from having to deal with unnecessary hassle.

Here are some key benefits of an all-in-one card:

The Curve card also gives you instant updates on purchases made with your card, helping you spot unauthorised charges and freeze the card if needed.

You can view card credentials and e-commerce purchases for each card application, but you'll need to use the cardId for each card to retrieve details. All-in-One card applications can be used for e-commerce purchases like any other card.

The card printer/embossing house needs to agree to print all applications' PAN numbers and CVV codes on the back of the physical card for this to work. If not, the View PAN solution allows customers to access different card credentials for e-commerce transactions.

Coin, another all-in-one card solution, can store up to eight cards and be swiped just like a standard card, but it may become unusable if EMV becomes the standard in the US.

Using the Card offers a range of benefits that can be tailored to suit different needs.

You can combine several employee benefits into a single card, making it easier to manage your expenses and benefits on the go. This can include lunch, wellness, commuting, and other perks.

With the Expense Management card, you can have a separate application for employee benefits, making it easy to keep track of your expenses and benefits.

A card can have a separate application for fuel and another for expenses, making it easy to manage your fuel and expense needs.

Here are some examples of how the All-in-One card can be used:

Each card application has its own PAN, which is a unique identifier that must be used when retrieving card details.

You need to agree with the card printer/embossing house if all applications' PAN numbers and CVV codes are printed on the back of the physical card.

All-in-One card applications can be used for e-commerce purchases just like any other card.

The View PAN solution allows the customer to get access to the different card credentials to make e-commerce transactions if not printed on the physical card.

Coin is a simple card that mimics the credit cards you know and love. It can be swiped just like a standard card and used almost anywhere, for now.

The problem is, EMV (EuroPay, MasterCard, and VISA) is a global standard that might not be compatible with Coin. It's supposed to become the standard in the US in October, which could make Coin unusable in many places.

Coin claims they'll figure something out, but that means you might need a future Coin 2.0. This could be a hassle, especially since you'll need to replace the card every two years.

The Stratos card is a bit of a mystery, with not much information available yet. They claim to have pin and chip integration, but we haven't seen much of what they're offering.

Forgetting to do a crowdfunding campaign might have tempered expectations, but it also means we don't know what to expect from Stratos. It's a wild card at this point.

Banks aren't quite sure what to make of these new cards, and it's probably a good idea to wait for tech to mature before investing.

You can define which card application is used as the default for contactless transactions and in which order the card applications are shown when doing a chip and PIN transaction.

The priority of contact and contactless preferences is defined in the contactPriorityLevel and contactlessPriorityLevel fields in the API. This information is sent to the embossing file which will be used by the card printer/embossing house to define the chip as preferred.

You can have multiple card applications enabled for individual cards, and even disable or enable them later as needed. For example, an employee might only need a lunch card at first, but then gain access to other applications like expense management.

Here are some examples of how you can manage card applications:

Replacing a card is a straightforward process that requires using the id of the mainCard in the API call. This will result in the replacement of all the card applications in the all-in-one card.

You can manage different card applications during a card's life cycle. The physical card can hold both active and dormant applications.

A predefined set of card applications is created when the physical card is manufactured. You can choose which applications are enabled for individual cards. For example, the issuer might create card applications for lunch, wellness, fuel, and expense.

The active card applications can be disabled later, or they can all be in use from the start. Here are some examples of possible use cases:

Employee A can only use the lunch card, Employee B has lunch, wellness, and fuel enabled, and Employee C has all four card applications in use. These changes can be made using a two-step process – a single API call and one use of the card.

Replacing a card, whether lost or stolen, requires using the id of the mainCard in the API call.

This will result in the replacement of all card applications in the all-in-one card, ensuring consistency across all applications. For example, one application won't expire before another.

Managing all your cards in one credit card can be a game-changer for your finances.

You can easily track your spending and stay on top of your bills with the account management features. This includes real-time updates on your transactions, so you can see exactly where your money is going.

The all-in-one credit card also offers a single login for all your accounts, making it easy to access and manage your finances in one place.

To create an All-in-One card, you'll need to start by creating a customer entity that will be linked to the account and card. This is the foundation of the process.

You'll then need to create accounts for each card application, with one account defined as the mainAccount using a specific productCode. Enfuce will provide the codes during the implementation project.

The mainAccount id is required when creating the cards, and each issuer will have designated account productCodes that are used when creating the accounts. For example, DEBIT_MAIN_GBP_GB and DEBIT_APPL1_GBP_GB.

Cards are created with a single API call, where you define the card applications that are required in the API call. You can also define which applications are enabled from the start, and dormant applications can be activated later.

Here are the steps to create an All-in-One card, broken down:

Each issuer will have designated card productCodes that are used when creating the cards, such as MC_MAIN and MC_APPL. Enfuce will provide the codes during the implementation project.

To reissue a plastic card, you'll need to use the id of the mainCard in the API call.

This will result in the re-issuance of all the card applications in the All-in-One card, ensuring consistency across all applications.

One application doesn't expire before another, which is especially important for users who have multiple card applications.