One stack for every card in your portfolio
Run issuance, processing, authentication and servicing on one foundation, across credit, commercial, debit and prepaid programs.
30M+
Cards Processed Globally
~$1B+
Monthly Spend Volume
10K+
Authorizations Per Second
Manage card issuance end to end, across every program
Onboard cardholders, issue cards, and manage the complete card lifecycle across every program and form factor.
Onboard cardholders and issue cards in minutes, digital or physical
- Digitally onboard and instantly issue cards, with revolving, loan and rewards accounts in one step
- Manage unlimited card products with policy-driven BINs, ranges, activation and randomized numbers
- Route card production and delivery by geography, SLA, capability and volume, with instant virtual replacement
Manage every card event from activation to closure
- Preserve tokens across card GUIDs during replacement, renewal and reissuance
- Issue add-on cards on shared accounts with independent identities, controls and notification preferences
- Apply lifecycle fees through configurable product rules and permitted cardholder-level overrides
Give cardholders real-time control over card usage
- Configure merchant and MCC restrictions at the product level, with cardholder overrides where permitted
- Control usage across ATM, e-commerce, contactless, international, and other channels
- Set spend limits and time-based rules, with instant freeze and unfreeze
Configure rewards that respond in real time
- Show indicative rewards at authorization and calculate earn and burn at transaction time, with immediate redemption
- Configure rewards by merchant, category, segment, transaction type, or any custom attribute
- Let cardholders personalize reward preferences with DIY rewards and automatic clawback on reversals
Personalize programs, cards and experiences down to the cardholder
- Configure card designs and form factors by program, including physical, virtual, contact, contactless, and dual interface
- Let cardholders choose themes, billing dates, networks, and reward preferences
- Pass dynamic attributes to vendors for personalized card templates and welcome kits
Process transactions across every network on a single switch
Authorize transactions across Visa, Mastercard, RuPay, Amex, UPI, and closed-loop networks, with real-time rules at the customer, account, card, or transaction level.
Apply the right authentication to
every transaction
Assess customer, device, card, merchant, transaction and network signals before each authentication decision
Apply frictionless authentication for low-risk transactions and step up higher-risk ones using OTP, Swipe2Pay, SuperPIN, biometrics, passkeys or wearables
Authenticate without telco dependency through Swipe2Pay or SuperPIN, including offline use of time-synchronized tokens
Support Visa, Mastercard and RuPay, with real-time core-to-ACS updates that stop prompts on blocked cards
Provision and manage tokens
across devices, merchants and networks
Provision Apple Pay, Google Pay, Samsung Pay and issuer HCE wallets through Visa and Mastercard token services
Tokenize card-on-file, guest checkout, recurring payments and Click to Pay, with push provisioning to accredited merchants
Run an issuer-owned token vault for closed-loop programs, independent of networks and managed through APIs
Set authentication, spend and channel controls per token, isolating compromised tokens from the card and other tokens
Manage disputes end to end, from
transaction to resolution
Raise disputes on authorizations or posted transactions, with provisional credit and configurable available-limit controls
Handle chargebacks, representments and pre-arbitration through real-time scheme APIs
Auto-resolve low-value disputes with rule-based write-offs to reduce handling costs
Use structured intake and automated notifications, with maker-checker review, role-based access and audit trails
Serve every segment with a purpose-built card program
Build credit card programs that adapt at the transaction level
Co-branded credit cards
Acquire customers through partner ecosystems with shared economics and configurable reward structures
Secured credit cards
Extend credit to thin-file and new-to-credit segments through deposit-backed programs with automated limit management
Digital-only credit cards
Run the complete card journey digitally, from application and issuance to activation and servicing
Mass-market credit cards
Scale high-volume portfolios with automated lifecycle management, configurable fees, and real-time credit controls
Configure card programs
around how corporates
operate
Travel & Entertainment cards
Manage corporate travel spend with policy controls, real-time approvals, and consolidated expense reporting
Purchase cards
Automate procurement payments with vendor-specific virtual cards, transaction-level controls, and straight-through reconciliation
SME business credit cards
Serve small businesses with simplified underwriting, flexible limits, and consolidated owner and business account views
Virtual and programmable cards
Issue on-demand virtual cards with dynamic limits, configurable expiry, and API-driven controls for project- or vendor-specific spend
Modernize debit programs without changing the underlying core
Virtual debit cards
Issue cards instantly at account opening, with wallet and UPI provisioning before the physical card arrives
Add-on cards
Extend accounts to family members with independent controls and spend limits for each card
Co-branded debit cards
Run partnership-led programs with co-branded designs, shared rewards, and joint customer acquisition
Corporate debit cards
Give business banking customers controlled access to operating accounts through role-based issuance and spend governance
Build prepaid programs across consumer and corporate use cases
General purpose reloadable
Bring everyday spend into a bank-issued prepaid account with UPI, cards, and auto-load from linked accounts
Employee benefits
Run tax-compliant category wallets with automated monthly disbursements for large corporate programs
Corporate gifting & Rewards
Deploy bulk gift and incentive programs with configurable validity, balance controls, and management of unredeemed balances
Closed-loop wallets
Extend existing customer relationships with closed-loop wallets designed to increase on-us transaction volumes