Zero is a mobile banking experience powered by an app, a credit card called the Zerocard, and a checking account called Zero Checking. With their flagship Debit-style Experience enabled, users can view deposits, purchases, and transfers reflected towards their net balance. This allows users to know exactly how much they have available to spend, much as customers are used to using their debit card.

Because the Zerocard is a credit card and processes on credit card networks, Zero can pay customers a higher cash back rate, between one and three percent for all purchases. The level of cash back can be increased via spending activity or by referring new customers to Zero.

“Zero is a perfect example of how new entrants to the market are reimagining the relationship between customers and their money,” said Peg Johnson, EVP of Global Client Success at i2c. “i2c’s platform gives companies like Zero the ability to offer access to a fundamentally modern and differentiated financial services relationship. Zero empowers consumers to actively manage their money, avoid long-term debt, and be rewarded with cash back.”

i2c’s agile payment platform offers advanced API’s and a robust suite of program management tools and controls which allows issuers and program managers to quickly launch programs, customize card features and functionality, and effectively communicate with cardholders to drive growth and best of class payment products in an ever-changing market.

“i2c is a key enabling partner for Zero,” said Bryce Galen, CEO and Founder of Zero. “i2c’s issuer technology enables us to combine features and functionality across credit, debit, and checking to deliver a modern banking experience. We are excited to set a new standard for how rewarding banking can be.”