Atruvia AG is the digitalization partner of the Cooperative Financial Group and one of the largest IT service providers in the German banking sector. The company operates highly scalable and secure platforms for banking, payments, and digital services — supporting millions of end customers and hundreds of banks. As a leading technology provider in the industry, Atruvia stands for innovation, security, and stability.
Network tokenization is a critical enabler of secure digital payments, operating silently in the background while remaining essential to a seamless customer experience.
Atruvia faced the challenge of managing tokenization processes across multiple systems and payment card networks. Different APIs, varying status models, and complex exception scenarios created inconsistent workflows, increased manual effort, and limited transparency into root causes and operational performance indicators. This resulted in slower rollouts of new customer-facing features and higher operational overhead for support teams.
To continue delivering best-in-class payment experiences at scale, Atruvia required a centralized solution to harmonize end-to-end token lifecycle processes.
The target was clear: a platform capable of consolidating all tokenization workflows, automating operations, ensuring full visibility across every token event, and providing the flexibility to support future card network extensions and evolving market requirements.
Working closely with Atruvia, we implemented our orchestration platform to consolidate all token lifecycle use cases into a unified, scheme-agnostic API. The platform now serves as the central control layer between Atruvia’s issuing systems, payment card networks, and digital wallets.
By standardizing workflows across provisioning and lifecycle management, Atruvia gained a single, consistent process model — fully automated, traceable, and resilient. Token events are now processed end-to-end with clear transparency, significantly reducing manual interventions and enabling faster, more reliable support operations.
As a result, Atruvia has established a modern and scalable foundation for token-based payments. New card network features can be introduced more quickly, delivering a clear competitive advantage for banks and their customers.
The result: simpler digital payments for millions of people, powered by a future-proof issuer services platform.
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