After 12 years of developing software and managing the services that help financial services institutions run their card business more profitably, Welcome Real-time (Welcome) is a global loyalty solutions provider in the payment integrated value-added service space.

Our Welcome XLS solution has a track record of industry awards and is a testament of our dedication to our customers, enabling them to gain the most benefits not only out of our solution and service, but also out of their own customers.

We innovate the business processes that lie at the core of payment card and merchant card loyalty programs, ensuring that our customers have the competitive edge they need in an increasingly challenging environment of payment card business.

From the beginning, we have listened to our customers, and consistently met their needs.

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