Get in Touch

The Future of Everyday
Payments is Here

Spire is the only Pay-by-Bank card issuer on the Discover® Global Network, which means your customers can pay at 99% of checkout locations across the U.S.—without the hassle.

Getting started is simple: no new hardware, no complicated integration, just fast setup and built-in support for settlement and reconciliation.
What you can expect:
  • No POS hardware changes
  • No custom integration
  • Fast, easy onboarding
  • Secure and scalable from day one

Easy for Customers, Powerful for Merchants

Whether your customers pay in-app, with a digital wallet, or a branded physical card, Spire makes the experience seamless.
Transactions feel like a normal card swipe—while giving you more data, more control, and a direct connection to your customers.
customer enrollment rate
0 %+
transaction approval rate
0 %+
Full ACH platform with guaranteed and non-guaranteed options

Industry-Leading Enrollment

Customer Ready in Seconds

Spire’s onboarding and transaction approval rates lead the industry—with reduced PIV data. Customers link accounts in seconds, and merchants can configure incentive programs to drive adoption and loyalty.

let’s work together

Built for Scale

Spire is designed to support high-volume merchants in everyday spend categories—helping them reduce churn, increase repeat visits, and drive higher average basket size.
Want to see how it works for your business?
Get in Touch