Swipe

Blossom Swipe is a cloud-native card issuer processor built for credit unions, not adapted for them. It is deployable on AWS and operated by Blossom, runs under the credit union's own brand, and is native to the rest of the Blossom platform.

Every credit union pays for a card processor. The difference is how much control comes with it. With most processors, the credit union buys a managed service and gives up its independence: the vendor owns the platform, sets the roadmap, and sits between the credit union and its members. Swipe gives that control back. The result: debit and credit on one platform, real-time authorization on every transaction, and a card program the credit union runs and controls itself.

What Blossom Swipe does

• Modular by design: Card Manager issues and administers cards; the Transactional Engine authorizes every transaction in real time.
• Debit and credit, one system: Issue and process both card types, configured per portfolio. No separate product, no separate contract, no separate operations team.
• Cloud-native on AWS: Built cloud-native from the ground up, deployable on AWS for elastic scale, redundancy, and security, not an on-premise system rehosted and rebranded as cloud.
• Real-time fraud, built in: Every transaction is screened by Blossom Safe at the moment of authorization. Blocked before the money moves, not flagged after.

Card Manager

• BIN management: Register, edit, search, and manage BINs in minutes. Run multiple BINs side by side. If you don't own a BIN yet, Blossom's partner institution can sponsor one, so a credit union can launch a card program before it owns its own BIN.
• Card design and portfolios: Upload your artwork and set the card's look once. Then build portfolio templates that lock in the BIN, expiration, and transaction limits, and issue thousands of cards from a single template. Portfolios can be active, inactive, or archived, each with full audit history.
• Issuance: Issue a card from a portfolio in a few steps. Assign it to a member pulled directly from the core, link it to one or two accounts, and issue a virtual card instantly. No manual card inventory to manage.
• Administration: Change a card's status (freeze, suspend, or deactivate), reset a PIN, raise or lower limits on a single card, set rules for which merchant types a card can be used at, and move a card to a different account. Card status changes are reflected on the member's side in real time through Blossom Ctrl. Blossom Ctrl is Blossom's card controls product which comes bundled with Swipe.

Transactional Engine

Every debit, credit, and ATM transaction is checked in milliseconds against three things before it is approved: the card's status, its security controls, and fraud risk. In-store, online, ATM, and recurring transactions all run through one processor, not a separate gateway for each channel. Blossom Safe screens every transaction at the moment of authorization, and each one is approved, declined, or sent for step-up verification before the money moves.

Disputes, security, and audit

Disputes are managed inside Blossom Magic, the same interface staff already use, with no separate portal to log into. Sensitive card data is tokenized, and the platform is PCI DSS compliant. PIN changes are protected by limits on failed attempts to prevent brute-force access. Every action is recorded with who did it, when, and what changed, ready for compliance and NCUA review.

Native to the Blossom ecosystem

When a card is issued through Swipe, it's linked across the rest of the Blossom platform immediately: it posts to Blossom Core in real time, shows up for staff in Blossom Magic, and can be controlled by members through Blossom Ctrl, with no extra connector software, no overnight batch processing, and no added integration cost. Card details, statements, and self-service actions all reach members through Blossom Ctrl. Business cards work the same way across Blossom.

Onboarding and pricing

Onboarding scopes the BIN, portfolio, and active-card migration path before a contract is signed, so the credit union knows the cutover plan up front. Pricing is one contract with no hidden fees and no annual renegotiation.

Why credit unions choose Blossom Swipe

Blossom Swipe is a cloud-native card issuer processor built for credit unions, by a CUSO serving credit unions exclusively. Debit and credit on one platform, your brand on every card, portfolios live in days, fraud stopped at authorization, and disputes handled in the same screen as everything else. Where legacy CUSOs sell an outsourcing contract, Swipe gives the credit union control of its own card program.

See it for yourself at blossom.net