Fund card payments from a second source at point of sale

Buffer allows card transactions to be funded in real-time from a secondary source of your choice, such as cash, credit, crypto, pensions or even insurance pay-outs
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What is Buffer?

Our award-winning Buffer feature enables your cardholders to make payments from their main account, even when it is empty, if they have funds available in a second account.  

For instance, a customer with separate current and savings accounts can complete purchases on their usual card at times when their current account is empty.  

Buffer assesses both accounts, runs an almost instant approval process and completes the transaction with funds from the second account. The customer will barely notice a difference at point of sale – fully frictionless payments. 

Buffer is ideal for:

Spending Assets

Give your customers the ability to do their shopping and not worry about having to move assets around or convert them manually. This could be a cryptocurrency, stocks & shares or any other asset that can be exchanged for a fiat currency. Buffer removes the friction around this conversion, which means your customer’s assets become useful as a day-to-day currency.

Offering pre-approved credit lines

Offer all the benefits of a credit card, but without the need for one! This gives your customers lots of advantages, such as taking money out of an ATM without paying higher fees.

Companies who need to unlock funds for their customers (e.g. insurers) can use Buffer to settle tickets without releasing access to large sums of money.

Spending as you earn

Give your customers peace of mind, never having to worry about when payday is again. With Buffer, you can setup a secondary authorisation option, allowing them to spend against wages as they are earned – in line with their employer’s terms of agreement – rather than having to wait for a specific date each month to receive their wages, or having to use high-cost credit alternatives.

See how Buffer is revolutionising the crypto debit card space, by allowing customers to convert and spend instantly at point of sale – removing the need to convert their assets to fiat currency manually in advance.

Contis Platform

Build your own solution from the most comprehensive banking-as-a-service platform in the market.

Embed next-generation payments technology at the heart of your business with our APIs.

Accounts & Features

Safeguarded, feature-rich accounts – Cardless ATM, budgeting tools, mobile app, etc

Cards Issuing

Visa or Mastercard, physical or virtual, debit or prepaid. Tokenisation, biometric, eco-friendly, and metal cards available

Card Processing

In house, EEA-wide with fully transparent fees with a market-leading 99.99% platform uptime

Payment Rails

Including Faster Payments, SEPA, BACS, CHAPS Direct Debit and Peer-to-Peer payments


Customer support, compliance (KYC, SCA), rewards, fraud management and professional services


Faster Payments

Quick transactions through a user-friendly API. Completely scalable and flexible to your organization’s needs


Award-winning paytech. Convert any asset to fiat automatically at point of sale to spend it instantly.

Contis Solutions

Explore industry-specific solutions and high-impact use cases from our modular Banking-as-a-Service platform.

Rapidly launch account, cards and payments services – whatever your business.

By Use Case

Challenge the Banks

Built on our modular e-money platform, get to market in weeks with next-gen accounts, cards, and skinnable app

Next-gen Crypto Debit Cards

No fees, no card loading, just frictionless instant crypto spending

Ecosystem Payments (P2P)

Keep and reward your customers in your own ecosystem with peer-to-peer payments and incentives

Instant Payments

Use virtual and physical cards or accounts to provide instant loan or insurance payments

Embedded Finance

Almost any business can integrate customer-facing financial services in just a matter of weeks

By Industry


We offer virtual cards and Faster Payments for instant claims, with greater control and data available for both client and customer


Contis replaces obsolete systems through our real-time, cloud-based platform, and rapidly adds cutting-edge cards and payments services

Building Societies

We work with over 150 Credit Unions and Building Societies to bring secure next-generation banking services to all of society

International Banks

Contis enables international banks to seize revenue opportunities in Europe through payments and cards services


We provide the backbone and licensing for account and card payment functions, getting fintechs to market in record time