We recently supported a client in implementing a more effective ALP program.

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What is ALP?

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Account Level Processing (ALP) or Account Level Management (ALM) is a powerful capability that enables real-time changes to a cardholder’s membership tier. Whether upgrading to platinum for increased spending or downgrading when necessary, without issuing a new physical card. This agility is particularly valuable, as higher-tier cards typically generate greater interchange fees, allowing issuers to capture additional revenue more quickly.

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What makes ALP especially compelling is the seamless customer experience it delivers. Cardholders can instantly access new benefits without the inconvenience of updating card details across multiple services or learning a new PIN. This behind-the-scenes efficiency not only maximizes revenue opportunities for financial institutions but also strengthens customer satisfaction and loyalty.

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