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  • Writer's pictureNeil Martin

Railsr partners with DND Finance to launch new credit card

Updated: Jul 26, 2023

London, 27th September, 2022. Railsr, the leading global embedded finance experiences platform, is partnering with DND Finance (DND), a multinational commercial equipment finance provider, to launch the Score Credit Mastercard.

Branded as the Score Credit Mastercard by DND, it is aimed at personal users and business owners with a less-than-perfect credit record including entrepreneurs and students. The card is also Shariah-compliant. DND believes its card will be a key way for users to get their credit records back-on-track, echoing sentiments articulated by Railsr which advocates the democratisation of finance.

DND uses the Railsr platform for its UK Banking-as-a-Service, licensing and card services. It chose Railsr as the issuer, because it did not want to manage every single part of the implementation process, including linking to key partner platforms and getting a Bank Identification Number (BIN).

DND has created the card based on the knowledge that a good credit record is built when people develop a history of paying bills on time, such as credit cards, lines of credit and loans. With the Score Mastercard, a user decides what limit is best for them, transfers a security deposit to DND, starts using their card for everyday expenses and consistently pays their bills on time. That payment history is reported to the UK credit agencies and their credit improves.

DND traditionally works with SMEs and entrepreneurial companies in the UK and Canada that are typically ignored by larger lenders. It provides vendor financing programmes to manufacturers and works closely with small-ticket brokers of equipment finance. It also provides loans to professionals, from physicians to accountants and architects.

Louisa Murray, SVP, Global Head of Enterprise Customers and Partners of Railsr, said: “We are very excited to be working with the team at DND. Its approach of helping companies and individuals navigate the tricky world of finance aligns very much with our core principles of how the wider financial services sector is there to serve as many people as possible. We look forward to working with them over the coming years.”

Rev Dr K Bill Dost, co-founder and Group CEO of the DND, added: “Our services provide a way for underfunded entrepreneurs to finance their dreams – to open a new business or continue the business they have when they need funding. It is great to team up with Railsr, a platform that could offer us the whole package and take away the pain of introducing our product.”

“Our purpose with the Score Card is to offer attainable access to a better life for everyone. This is because a bad credit rating used to mean one would not be able to access affordable credit products; today it means that you cannot move into your ideal neighbourhood or your children cannot attend the right school. A good credit rating is the difference between a life of lack and a life of privilege and we choose to offer that life of privilege to anyone that desires it.”


About Railsr

Railsr is the world-leading embedded finance experiences platform. It helps brands put the customer experience at the heart of their business by using finance as a strategic engagement tool to deepen relationships, create relevance and generate revenue. The Railsr platform provides financial products and solutions, including banking and wallets, cards, credit and rewards. For more information about Railsr, go to:

Media contact

Emma Thompson, CMO, Railsr

About DND Finance

DND originated in Canada in 2000 as D&D Leasing, opened in the UK as D&D Leasing UK in 2009 and in late 2018 rebranded as DND Finance. It was founded by Rev Dr K Bill Dost to serve the entrepreneurial segment of the small- and medium-sized business sector, helping these companies grow at the grassroots level.

Media contact

Rev. Dr. K. Bill Dost, co-founder and Group CEO, DND Finance

About Mastercard

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by PayrNet Ltd pursuant to license by Mastercard International Inc. PayrNet Ltd is authorised by Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900594) PayrNet Ltd is a wholly owned subsidiary of Railsr. and provides regulated financial services to Railsr customers. Railsr is a trading name of Railsbank Technology Limited.


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