Helps issuers manage portfolios while meeting local market and regulatory requirements. Centralizes key lifecycle activities so you can streamline operations without completely replacing existing systems.
Delivers tokenization and wallet integration for Apple Pay, Google Pay and bank wallets. Customers provision cards instantly, manage PINs and control settings in your app, cutting postal risks and operational effort.
Brings together proven fraud prevention and strong security controls while supporting evolving scheme rules and regulations. Standardized, API driven interfaces make it easier to adapt your setup as requirements change.
Automates key Card Lifecycle Management such as production, personalization, authorization, routing, switching, and clearing. Centralized management across schemes and products reduces manual effort, simplifies operations, and lowers total cost of ownership.
Modular services and standardized APIs let you roll out new card products, combo cards, and digital payment options quickly. You can adapt to market changes, scheme updates, and regulatory requirements without lengthy projects or heavy custom development.
Supports mobile wallets, digital PIN and app based card control so customers get convenient, real time services. At the same time, integrated fraud prevention and authentication controls help you protect transactions without adding unnecessary friction.
Our solution provides a unified lifecycle platform for physical, digital and virtual cards. Issuers can manage production, personalization, authorization, clearing, settlement, renewal and blocking from a single place, while connecting to all relevant schemes and processors. This reduces complexity in the backend and enables consistent, secure payment experiences across every channel, from POS and ATM to e commerce and mobile wallets.
The platform combines specialized modules for card production and personalization, authorization and fraud prevention, tokenization, wallet integration, clearing and settlement, and card administration. Standardized APIs and interfaces link these modules with your core banking, scheme networks and partner systems. You choose the components you need and connect to them via our APIs, while our orchestration layer ensures that data and processes flow reliably across the entire card value chain.
Key capabilities include support for single brand and combo cards across girocard and international schemes, flexible authorization and routing options, services for 3-D Secure and fraud monitoring. On top of this, digital features like wallet integration, digital PIN, card control in the app and comprehensive reporting help you modernize your portfolio and respond to changing customer expectations. Built in 3-D Secure services, strong customer authentication and advanced fraud checks protect every channel from POS and ATM to e commerce.
The solution supports typical issuer scenarios such as migrating from legacy debit products to modern debit or combo cards, rolling out mobile wallets and wearables, enabling instant card replacement and digital first use, and consolidating fragmented card systems after mergers. It also fits banks that want to outsource complex scheme connectivity and clearing while retaining control of product design and customer experience.
Cardholders can use their cards across all channels – in-store, online, at ATMs and in mobile wallets. One consistent experience means they don’t need multiple cards or apps, and can rely on the same card for everyday spending at home and abroad.
Digital issuance, wallet provisioning and app-based card control let cardholders start using their card within minutes. They can view card details, change PINs, adjust limits, and freeze or unfreeze cards directly in your banking app.
Strong protection against misuse gives cardholders confidence when paying online, in app or at the POS. At the same time, streamlined authentication keeps steps to a minimum so payments remain quick and convenient.
Our platform supports girocard as well as international debit schemes such as Debit Mastercard and Visa Debit. Co badged and mobile (tokenized) cards can be issued based on your portfolio strategy.
Integration is handled via standardized interfaces that connect the platform with your core banking, disposition systems and clearing processes. A modern REST based API simplifies the authorization layer, so you can modernize step by step without a full system replacement.
The service covers the complete lifecycle: card production and personalization, PIN processes, card and limit management, authorization and routing, fraud prevention, clearing and settlement as well as chargeback and dispute handling.
Security is built in through strong cryptography, centralized key management and support for 3-D Secure in e commerce. Real time rule based checks and fraud monitoring help detect and prevent suspicious card transactions across all channels.
Risk-based authentication for card-not-present transactions, the natural starting point for your first cross-channel rail.
1st in Europe, 2nd globally EMVCo-approved. G+D Netcetera 3DS Server SaaS: PCI 3DS + PCI DSS certified, 10+ card networks. Stop fraud. Keep conversion.
World’s first EMV 3DS 2.3.1 certified SDK. Integrate in any merchant app, with better risk scoring, more frictionless transactions, fewer abandoned carts.
Fraudsters move between channels and institutions faster than any single team can follow. Our Cross-Channel & Cross-Organization Data Sharing Platform unifies detection and shares alerts across banks.
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