# Transcard

> Transcard is a Chattanooga financial technology company whose SMART Suite embeds business payments into accounting systems and bank workflows. Its products combine payouts, collections, supplier onboarding, payment choice and reconciliation, with partner-powered working capital and AI capabilities for finance teams.

- **Founded:** 2008
- **Headquarters:** Chattanooga, United States
- **Founders:** Craig Fuller (Founder and former CEO)
- **Products:** SMART Hub, SMART Disburse, SMART Collect, SMART Exchange, SMART Suite APIs
- **Notable:** Sold its heavy-truck fuel card network and related technology to U.S. Bank in 2012; Transcard continued operating., Opened a London office in 2023., Reported UK payment institution authorization in December 2024.

## Products & services

- **SMART Hub** — Portal for managing payables, receivables, bank connections, payment status and reconciliation.
- **SMART Disburse** — Embedded B2B and B2C payouts with payment choice, configurable workflows, documents and electronic signatures.
- **SMART Collect** — Electronic billing and collections with remittance data returned to accounting systems.
- **SMART Exchange** — Supplier onboarding, validation, payment preferences and ongoing B2B payment relationships.
- **SMART Suite APIs** — Payment, onboarding and workflow APIs for software integrations.
- **Virtual CFO** — Embedded AI agents and recommendations for cash visibility, risk and working capital.
- **Embedded working capital** — Partner-powered financing integrated into payment workflows, including freight booking.

## Achievements

- Sold its heavy-truck fuel card network and related technology to U.S. Bank in 2012; Transcard continued operating.
- Opened a London office in 2023.
- Reported UK payment institution authorization in December 2024.
- Launched in Canada in January 2025.
- Highline Warren case study reports estimated annual savings of US$30,000-US$50,000.

## Latest updates

- **2026-09** — Visa and Transcard were featured in an intelligent commercial payments webinar scheduled for September 17; this is an event announcement, not a new product launch.
- **2026-04** — Published a healthcare payments article explaining electronic virtual-card delivery and reconciliation.
- **2025-12** — Freightos announced point-of-booking payments and financing with Visa and Transcard.
- **2025-11** — Visa announced freight embedded finance collaboration; Microsoft published a Virtual CFO customer story.
- **2025-10** — Announced working capital partnership with OatFi.
- **2025-05** — Announced partnership with Thredd for international expansion.

## Links

- Website: https://www.transcard.com/
- LinkedIn: https://www.linkedin.com/company/transcard
- Twitter/X: https://x.com/transcard_llc
- GitHub: https://github.com/transcard/
- YouTube: https://www.youtube.com/channel/UCPLhZfcmEtv2Pu5ITztSGpw
- Instagram: https://www.instagram.com/transcard_/
- Facebook: https://facebook.com/242782159150961

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Profile page: https://yespress.io/transcard
Published by YesPress — https://yespress.io
Last updated: 2026-10-25