Card issuing and processing, engineered for banks and fintechs
Debit, credit, prepaid, virtual and gift cards: issued, tokenised and authorised on one platform.
Pick a card. Then hand over the controls.
Nine card types from one programme engine, each with real-time cardholder controls.
Debit cards
Account-linked cards authorized in real time against your core banking ledger.
- EMV chip, contactless and PIN
- Several accounts linked to one card
Credit cards
Revolving credit products with flexible limits, pricing and statement cycles.
- Limits, interest, fees and grace periods set per product
- Balance transfers and promotional rates
Prepaid programmes
Reloadable and single-load cards for travel money, benefits, disbursements and financial inclusion.
- Top-up by API, bank transfer or agent network
- Multi-currency wallets on a single card
Virtual cards
Cards created in seconds, delivered to an app or wallet and ready to pay online or in store.
- Single-use and merchant-locked virtual card numbers
- Per-card limits and expiry dates
Gift cards
Open-loop or closed-loop gift cards for retailers, malls and corporate incentives.
- Fixed or variable denominations
- Physical and digital delivery
Charge cards
Cards with no revolving balance: the full amount is settled at the end of each cycle.
- Monthly full-balance settlement with auto-debit
- Corporate and premium programme support
Instalment cards
Let cardholders split purchases into fixed monthly payments, at checkout or after the fact.
- Convert eligible purchases into instalment plans
- Merchant-subsidised zero-cost plans
Payroll cards
Pay salaries straight to a card, a practical route for employees without a bank account.
- Bulk salary loads from an employer file or API
- Employer portal for onboarding and card orders
Islamic cards
Sharia-compliant card products designed with your Sharia board and product team.
- Fixed fees instead of interest
- Merchant category blocks for non-compliant spending
Illustrative. Your programme decides which controls cardholders see.
From BIN to reissue, on one platform
Strong authentication without needless friction
Our ACS scores every online purchase and challenges only when the risk calls for it.
Every transaction scored before it is approved
Rules, behavioural models and live monitoring in a single decision.
Every score lands in one of three outcomes
- ApproveScore below 40
Authorised in real time. The cardholder notices nothing.
- Step up40 to 74
The cardholder confirms the payment in the app or with 3‑D Secure.
- Decline75 and above
Declined at authorisation, and an alert opens a case for your fraud team.
Illustrative weights and thresholds. Your programme sets its own rules.
Configurable rules engine
- Card controlsOnline payments switched onPass
- Velocity2 payments in 10 minutes+4
- GeographyCard from the UK, merchant in Türkiye+14
- Merchant categoryMCC 5732, electronics+10
- Amount4× the usual online spend+14
- Behavioural risk scoringFirst payment from this device+12
The cardholder confirms the payment in the app or with 3‑D Secure.
Tell us what you want to issue. We’ll show you how it runs.
Book a demo and we’ll walk through your programme with you: what to launch first, how it connects and what it takes to go live.
What we cover in a first call
- Card types, markets and schemes for your programme
- How issuing connects to your core banking and apps
- Your 3‑D Secure and fraud risk policy
- A practical plan and timeline to launch