--- title: The Score Mastercard® is powered by the Railsr Banking-as-a-Service platform description: "Railsr´s Banking-as-a-Service platform powers new Score Credit Mastercard from DND Finance. \nScore Credit Mastercard, aimed at personal users and business owners with a less-than-perfect credit record, is powered by the Railsr Banking-as-a-Service platform." image: https://www.scorebydnd.com/hubfs/2Cards.png --- Responsive Navigation Bar - W3jar.Com [![Site Name](https://www.scorebydnd.com/hs-fs/hubfs/3-16hhhh-removebg-preview.png?width=100&height=123&name=3-16hhhh-removebg-preview.png)](https://www.scorebydnd.com/) - × - [![Site Name](https://www.scorebydnd.com/hs-fs/hubfs/3-16hhhh-removebg-preview.png?width=100&height=123&name=3-16hhhh-removebg-preview.png)](https://www.scorebydnd.com/) - [PERSONAL CARD](https://www.scorebydnd.com/personal-card) [BUSINESS CARD](https://www.scorebydnd.com/business-card) - [ABOUT US](https://www.scorebydnd.com/about-us) - [FAQ](https://www.scorebydnd.com/faq) - [BLOG](https://www.scorebydnd.com/blog) - [CONTACT US](https://www.scorebydnd.com/contact-us) - [LOGIN](https://card.scorebydnd.com/login) - [APPLY NOW](https://share.hsforms.com/16GdA72poQF-vOkA0fprDlA4j4hg) [![DND Finance](https://www.scorebydnd.com/hs-fs/hubfs/dndf/DND-Finance-logo-tagline-light.png?width=173&height=245&name=DND-Finance-logo-tagline-light.png "DND Finance")](http://scorebydnd.com) - [Default HubSpot Blog](https://www.scorebydnd.com/blog) # Blogs ## [The Score Mastercard® is powered by the Railsr Banking-as-a-Service platform](https://www.scorebydnd.com/blog/the-score-mastercard-is-powered-by-the-railsr-banking-as-a-service-platform) Oct 4, 2022 6:05:35 PM / by [Neil Martin](https://www.scorebydnd.com/blog/author/neil-martin) - [Tweet](https://twitter.com/share) Score Credit Mastercard, aimed at personal users and business owners with a less-than-perfect credit record, is powered by the Railsr [Banking-as-a-Service](https://www.railsr.com/products) platform.   DND Finance (DND) is a multinational commercial equipment finance provider. It believes its new card will be a key way for users to get their credit records back-on-track. This position echoes sentiments articulated by Railsr which advocates the democratisation of finance.   The card is also Shariah-compliant.   DND Finance chose Railsr as the card issuer for ease and flexibility, as 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). The Railsr Banking-as-a-Service platform provides vital licensing and card services.    The idea behind the new card is straightforward. The product is based on the knowledge that a good credit record is built when people develop a history of paying bills on time. This would include such things as credit cards, lines of credit and loans.  When using a 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 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.” #### Written by [Neil Martin](https://www.scorebydnd.com/blog/author/neil-martin) - [Recent](https://www.scorebydnd.com/blog/the-score-mastercard-is-powered-by-the-railsr-banking-as-a-service-platform#tab-1) - [Popular](https://www.scorebydnd.com/blog/the-score-mastercard-is-powered-by-the-railsr-banking-as-a-service-platform#tab-2) - [Categories](https://www.scorebydnd.com/blog/the-score-mastercard-is-powered-by-the-railsr-banking-as-a-service-platform#tab-3) ### Lists by Topic - [bad credit (5)](https://www.scorebydnd.com/blog/tag/bad-credit) - [build credit score (5)](https://www.scorebydnd.com/blog/tag/build-credit-score) - [secured credit card (5)](https://www.scorebydnd.com/blog/tag/secured-credit-card) - [build credit (3)](https://www.scorebydnd.com/blog/tag/build-credit) - [low credit score (3)](https://www.scorebydnd.com/blog/tag/low-credit-score) - [Financial Planning (2)](https://www.scorebydnd.com/blog/tag/financial-planning) - [IVA (2)](https://www.scorebydnd.com/blog/tag/iva) - [New to UK (2)](https://www.scorebydnd.com/blog/tag/new-to-uk) - [declined application (2)](https://www.scorebydnd.com/blog/tag/declined-application) - [declined for credit (2)](https://www.scorebydnd.com/blog/tag/declined-for-credit) - [FAQ (1)](https://www.scorebydnd.com/blog/tag/faq) see all ### Posts by Topic - [bad credit (5)](https://www.scorebydnd.com/blog/tag/bad-credit) - [build credit score (5)](https://www.scorebydnd.com/blog/tag/build-credit-score) - [secured credit card (5)](https://www.scorebydnd.com/blog/tag/secured-credit-card) - [build credit (3)](https://www.scorebydnd.com/blog/tag/build-credit) - [low credit score (3)](https://www.scorebydnd.com/blog/tag/low-credit-score) - [Financial Planning (2)](https://www.scorebydnd.com/blog/tag/financial-planning) - [IVA (2)](https://www.scorebydnd.com/blog/tag/iva) - [New to UK (2)](https://www.scorebydnd.com/blog/tag/new-to-uk) - [declined application (2)](https://www.scorebydnd.com/blog/tag/declined-application) - [declined for credit (2)](https://www.scorebydnd.com/blog/tag/declined-for-credit) - [FAQ (1)](https://www.scorebydnd.com/blog/tag/faq) See all ### Recent Posts ![card](https://www.scorebydnd.com/hs-fs/hubfs/card.png?width=209&height=131&name=card.png "card") ## Ready to Build Your Credit Score? Get a Score Mastercard in minutes! [![APPLY NOW](https://no-cache.hubspot.com/cta/default/7610740/c2946090-fae8-437a-b8fb-f6a09f02783f.png)](https://cta-redirect.hubspot.com/cta/redirect/7610740/c2946090-fae8-437a-b8fb-f6a09f02783f) > [About Us](https://www.scorebydnd.com/about-us) > [Contact Us](https://www.scorebydnd.com/contact-us) > [Privacy Policy](https://www.scorebydnd.com/hubfs/Privacy%20Notice%2011.21.pdf) > [Complaints Policy](https://www.scorebydnd.com/hubfs/Our%20UK%20Complaints%20Policy.pdf) > [Card Agreements](https://www.scorebydnd.com/card-agreements) DND Finance is o/b D&D Leasing UK LTD and is authorized and regulated by the Financial Conduct Authority Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. The Card is issued by PayrNet ltd pursuant to licence by Mastercard International Inc. PayrNet ltd is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900594). ---   ![DND-Score-logo-1-1](https://www.scorebydnd.com/hs-fs/hubfs/DND-Score-logo-1-1.png?width=60&height=74&name=DND-Score-logo-1-1.png "DND-Score-logo-1-1") 2021 - scorebydnd.com > [Personal Score Mastercard](https://www.scorebydnd.com/personal-card) > [Business Score Mastercard](https://www.scorebydnd.com/business-card?hsLang=en) > [Affiliates](https://www.scorebydnd.com/affiliates-and-partners) > [FAQ](https://www.scorebydnd.com/faq) > [Blog](https://www.scorebydnd.com/blog) [![Apple-app-store](https://www.scorebydnd.com/hubfs/Apple-app-store.png "Apple-app-store")](https://apps.apple.com/us/app/score-card-by-dnd/id1583924916) [![Google-play](https://www.scorebydnd.com/hubfs/Google-play.png "Google-play")](https://play.google.com/store/apps/details?id=com.pannovate.dnd) × ##  Terms and Conditions ## [Emoney Consumer Agreement](https://www.scorebydnd.com/hubfs/Emoney%20PayrNet%20Consumer%20Agreement%20Final-1.pdf)| [Emoney Corporate Agreement](https://www.scorebydnd.com/hubfs/Emoney%20PayrNet%20Corporate%20Agreement-1.pdf) | [Mastercard Consumer Agreemeent](https://www.scorebydnd.com/hubfs/PAYRNET%20MASTERCARD%20%20Consumer%20Agreemeent-1.pdf) |[Mastercard Corporate Agreemeent](https://www.scorebydnd.com/hubfs/PAYRNET%20MASTERCARD%20Corporate%20Agreement-1.pdf) ``![DND-Score-logo-1](https://www.scorebydnd.com/hs-fs/hubfs/DND-Score-logo-1.png?width=87&name=DND-Score-logo-1.png)We specialize in serving small and medium businesses and entrepreneurial companies that are typically ignored by large lenders.  © 2022 DND Finance is a Division of 1419768 Ontario Inc. and DND Finance is a Division of D&D Leasing UK Ltd. 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