Make your HELOCs Top of Wallet

Keep all your existing HELOC infrastructure and underwriting, but make your HELOC extraordinary. Pesto attaches a rewards card, branded to your Credit Union, to the HELOCs you issue.

Giving your members the lowest cost card experience possible

Swipe now. Decide later. Pay your balance or roll your balance onto HELOC.

The future of credit cards

Rather than piece together all of the infrastructural components, with significant cost and effort, Pesto lets you focus on what you do best and launch a program fast.

Keep

Existing HELOC underwriting, POS, LOS, servicing, ledger, and existing digital banking experience (or use ours).

Add

Card access + rewards + 30-day float. Configurable “pay full / partial / roll remainder to HELOC.”

We handle

BIN sponsorship, card issuance, mobile wallets, disputes, fraud, compliance, statements, cardholder CX.

Integration

Lightweight—dual-ledger designed to sit behind your HELOC ledger.

Limitless Possibilities

Pesto runs a card ledger that can play second fiddle to your primary HELOC ledger. We handle authorizations, statements, rewards, and disputes; you keep underwriting, LOS, servicing, and GL exactly as they are.

Daily Transactions

A new stream of non-interest income with fees charged to merchants, not members.

Increased utilization of existing HELOC lines

Higher returns on assets you already underwrite.

Credit card interchange

A new stream of non-interest income with fees charged to merchants, not members.

Deeper member engagement

Your HELOC is in their wallet every day, not just when they need a one-off draw.

Your style

Tailor your card program’s materials, packaging, design. Our in house design team will bring your vision to life.

Save Americans Money

Switching everyday spend to a HELOC card from a traditional credit card cuts the cost of revolving by roughly 70%--about 7% APR vs 22% on typical credit cards. On a $5,000 rolling balance, that's ~$750 a year back to the member. You still capture daily interchange and interest on HELOC balances, while delivering a product that is fair and keeps members loyal.

More Revenue, Less Lift

Easily Launch and Manage HELOC Rewards Card Manages all day to day aspects of the card program.

Get ready to launch

From card issuance to mobile payments, we handle the complex infrastructure, so you can focus on building stronger relationships with your customers.

Start today

Get a Demo