DUO leverages our patented Dual Transaction Service (DTS) to transform existing debit cards into virtual credit cards. Pre-approved customers can seamlessly access their credit limits using their current debit cards
Powerful Neobank Platform for Banks & Fintechs
Dual Access. Instantly Credit-Enabled.
DUO enables you offer pre-approved customers access to credit on their debit card via a virtual Card , all powered by Monielink’s Super SDK – No extra plastic required
Customers can choose “Credit” as account type option at an ATM or POS in Nigeria to access Credit Amount routed through an issuer
Customers can access Virtual Credit Card on Partner’s Mobile App integrated with our SDK to make online payments, secured by Dynamic CVV.
Regardless of whether the debit card is Visa Mastercard or Verve , DUO can process transactions requested with 'Credit' account type, by the customers from their existing Debit Cards against the available credit limit balance on the DUO virtual Credit Cards.
Offer a seamless DUO card experience with dual credit and debit capabilities on a single card, powered by our patented Dual Transaction Service (DTS)
Instant Virtual Credit Card Issuance
DTS enabling usage of issued virtual Credit Cards from existing Debit Cards
Access DUO virtual credit card on the SDK for making online payments
Access Credit Card statement & card control settings for setting up of transaction limits
Pan remapping service to link newly issued Debit Cards to an existing DUO card
Process repayment requested by customers on the SDK
Collection of Due & Delinquent amount
Dynamic Limit Management
Instant Virtual Credit Card Issuance
DTS enabling usage of issued virtual Credit Cards from existing Debit Cards
Access DUO virtual credit card on the SDK for making online payments
Access Credit Card statement & card control settings for setting up of transaction limits
Pan remapping service to link newly issued Debit Cards to an existing DUO card
Process repayment requested by customers on the SDK
Collection of Due & Delinquent amount
Dynamic Limit Management
DTS – Advantage to Customers
01
Instant issuance & Activation of a Virtual Credit Card as against weeks that delivery of a Physical Card MAY take.
02
Skip the paperwork—no forms or documents required for credit evaluation.
03
No need to visit a branch—get DUO credit card and activate it instantly, right from your device.
04
Make local payments with your DUO Virtual Credit Card through your existing debit card.
05
Make online purchases using the Virtual Credit Card on partner apps integrated with our SDK. One card, dual purpose—use your debit card as a credit card.
DTS – Advantage to Issuers
01
Instantly issue and activate virtual credit cards—no credit underwriting or sales channels required.
02
Eliminates the usual costs and wait times involved in producing physical credit card.
03
Engage a large base of creditworthy debit card users through our pre-approved, instant digital DUO card activation.
04
Boost revenue by building a profitable credit card portfolio.
Creating Lasting Value, Together
By 2030, Nigeria is projected to issue 10 million credit cards
Credit Card businesses would generate over ₦ 160 BN revenue by 2030
Explore Other Products
- Digital Accounts
- Pre-paid Card Accounts
- Credit Card Accounts
- Loan Accounts
- Reward Accounts
- Redemption Accounts
- Digital Merchant Onboarding
- Interoperable QR
- Static QR Codes
- Dynamic QR Codes
- Payment Collection Account
- Instant Settlement
- Digital Merchant Onboarding
- Soft-POS
- POS Terminals
- Payment Collection Account
- Instant Settlement
- Credit Origination
- Credit Disbursement
- Credit lifecycle Management
- Repayments
- Due & Delinquent Amount Collections
- GSI Collection automation
- KYC Management
- Liveness Detection
- Facial Recognition
- Business Verification
- Address Verification
- Soft – Token issuance for 2FA
- Tailored Reward Program
- Reward Point Account
- Reward Redemption Accounts
- Usage of Redeemed value
Frequently Asked Questions
DUO is a patented card innovation that enables customers to access pre-approved credit limits using their existing debit cards. It connects a virtual credit card to the debit card and processes transactions using the virtual limit when the customer selects 'Credit' at POS or ATM.
Power Your Digital Banking Experience
The Monielink Super SDK platform empowers Banks & Fintechs to grow revenue from retail products by up 6X to while significantly accelerating customer acquisition.