Coordinate and effectively manage activities between primary parties interacting over the course of a card-lifecycle:

• Card Holders: Card issuance to termination- registration, issuance, add-on cards, rewards, termination or closure of card and account.
• Card Issuers: Plastics design and production, co-branding arrangements, Holder risk assessment, verification, limit management,  imposition of penalties, charges, interests, blocking, account management, chargebacks, dispute resolution, data management - card and profiles. Processing ─ Switching, routing, authorising, clearing and settlement.
• Card Networks: Licensing, settlement services, guidelines, protocols, penalties.

Enable a modern payment environment that interfaces with all payment systems, simplifies operations, reduces costs and meets customer needs.

Benefit from lower costs due to efficient card inventory management.

Benefit from a robust routing and switch solution that manages a secure, scalable and flexible way of routing authorisation requests to major networks, card associations and processors.

Authorise and route any financial transaction based on pre-defined rules or configuration on a wide variety of platforms that meet bank or site specific and hardware requirements.

Process complex, incoming transactions from different card acceptance channels: ATM, PoS, internet, mobile, national and international payment networks.

Enable real-time monitoring with alerts and SMS generation.

Enable a multi-bank, multi-currency, payment context.

Develop card programmes using any technology apt for the business: magnetic-stripe, EMV chip, contact cards, contactless cards, RFID cards, Near Field Communication (NFC) cards, Proximity cards, smart cards, virtual cards.

Support all types of card platforms: Debit Cards, Credit Cards, Pre-Paid Cards.

Switchover to EMV technology with Chip-and-Signature or Chip-and-PIN

Ensure seamless EMV chip card migration, including re-issue, design, manufacturing, fulfilment and mailing.

Manage issue and administration of EMV for varied uses: debit, credit, prepaid, ticketing and transport, transit, health facilities, insurance, and others.

If your bank meets RBI’s eligibility criteria to issue PPIs, help businesses take advantage of different categories of PPIs that suit business needs. Outsource issue and administration of PPIs and processes to reload the value stored, from different sources.

Help them choose from Closed, Semi-closed, Semi-open, or Open system Pre-paid Payment Instruments, depending on their strategic and operational needs.

Manage issue and administration of co-branded Open-System Pre-paid Payment Instruments of Visa, Mastercard or RuPay networks that enable purchase of goods and services and permit cash withdrawals at ATMs.

Manage issue and administration of Pre-Paid Gift Instruments.

Manage issue and administration of Pre-Paid Instruments on behalf of government organisations for issue to beneficiaries of government-sponsored schemes.

Help transportation service providers and their partners dematerialise payments for transport services across the nation or chosen regions and improve efficiency by providing customisable transport cards.

Issue special cards for different categories if so desired: Military, Transport Department personnel, the elderly, school children, people with disabilities and so on.

Help businesses launch open-loop Gift Cards, Loyalty cards and Reward Cards for their customer, which can be used anywhere, in partnership with processing network providers such as MasterCard, Visa and RuPay.

Quickly launch and administer all processes around issue of RuPay Contactless Card for transit payments (bus, metro, cab etc.), toll, parking, small-value offline retail payments and normal retail payments.

Choose from Debit, Prepaid or Credit Card options as per the convenience of the issuing bank.

Ensure such RuPay Contactless Cards are as per National Common Mobility Card (NCMC) specifications and in line with the NCPI and Government’s vision of ‘One Card for all Payments (Transit as well as Retail)’.

Bring convenience of any-where payments and ease of travel for travellers across cities and towns in India, based on operator requirements.

Ease the issue and administration of closed loop cards for petrol pumps or oil companies, health insurance, health facilities, gyms, clubs, retail stores and other facilities, which help their customers utilise their services easily and to reload their cards from a wide variety of convenient options.

Help businesses choose from Debit, Credit or Pre-Paid options when offering a closed-loop card to their customers that is used only in the context of services with that business.

If required, help businesses choose from Semi-closed, Semi-open Pre-Paid Instrument options based on their operational and strategic needs.

Give card holders an assurance of secure, reliable transactions with fraud protection. Protect customer data with encryption, PCI compliance, breach protection and risk management.

Improve accountability and transparency with comprehensive reporting and audit trails across operations and transactions.

Improve card acquisition metrics. Boost card customer acquisition, support and retention services.

Give your business development teams the required flexibility and agility by designing and implementing innovative, graded reward programmes for different categories of card holders and which are available nationally.

Give business development teams the ability to assess, design and rapidly implement value-adding retention programmes and service features: identity theft insurance, personal shopper service, lounge services, discounts at specific outlets or ecommerce sites, extended warranties etc., which ensure your card base and market share register a healthy growth.