Modular card services for banks, fintechs and financial institutions
Being able to offer your clients a new virtual, mobile or physical card quickly is essential in a world where everyone wants everything - now.
We know the best customer experience can only be created by working in partnership with our customers. We deliver flexible card and mobile payment services that can be easily customized to fit our customers' exact requirements.
If you need a fully-integrated service offering that includes all components in the card issuing value chain, individual modules to solve specific challenges or help expanding your business - we are your partner. We have a long track record of proven service delivery - and we're trusted by close to a hundred customers in the Nordics and across Europe. In addition, our ability to deliver across the entire card value chain gives you access to the most innovative and fully PCI-compliant card processing services available anywhere.
Head of Sales, Card Issuing
Fully-managed card services
Utilize your creativity and unique position to create value for your customers. Build your product on our fully-managed, shared or outsourced card services.
Card compliance
We are compliant with Visa and MasterCard international standards as well as requirements from the card payment industry and financial authorities.
Easy onboarding
Complex customer onboarding made easy. Our easy-to-integrate API interface, together with innovative and feature-rich credit, debit and pre-paid card services let you stay ahead of the competition.
Key features
Card management & authorization processing
Our card management system and authorization services and solutions are card-scheme agnostic. We deliver highly scalable multi-tenant solutions with state-of-the-art functionality. In a modular architecture, we manage billions of transactions and millions of cards for almost one hundred card issuers.
Card security
We are global leaders in advanced card security and cryptographic technology. We are certified by Visa, MasterCard and other international schemes as well as requirements from the card payment industry and financial authorities. In addition, we support EMV 3-D Secure 2.x to minimize card-not-present e-commerce fraud for major card schemes. We also provide different channels with digital card PIN management and distribution services.
Card Ledger
The card ledger is a modern, state-of-the-art ledger that supports accounting for credit cards, prepaid cards and cardless credits including deposits and bonuses. The ledger offers great flexibility in the management of fees and interest accruals, as well as the creation of statements and payment follow-ups.
My Cards cardholder app
Our white-label mobile app for card issuers provides easy and secure access to card information, as well as a wide range of card services. We achieve great customer experience through biometric authentication for instant online card payments and the easy provisioning of cards to mobile payment wallets, such as Apple Pay, Google Pay, Samsung Pay and more.
Mobile payments
Our mobile payment platform was among the first certified by Visa and MasterCard's digital enabling services. Our digitalization gateway provides a single interface to card issuers for efficient and secure integration to VISA and MasterCard. It also supports in-app provisioning for wallets like Apple Pay, Samsung Pay, Garmin, Google Pay and more. We deliver this service as single components or as part of the complete card-issuing value chain.
Cardholder support service
Our managed cardholder support service makes it easy for your customers to get help whenever they need it. We provide all essential card-related support safely and securely, including card activation, digital wallet enrolment and card blocking. In short, we make sure your customers get an unrivaled 24/7 service via phone, email, chat and customized self-service portal options.
Dispute management service
Our Dispute Management Service provides a secure dispute process for card issuers and cardholders. We take our dispute process responsibilities very seriously and ensure high-quality validations in compliance with complex card payment scheme rules, local financial regulations and each issuer's terms and conditions. Our aim is to protect both the cardholder and card issuer from unnecessary financial loss.
Value-added services
Meeting the evolving needs of cardholders and creating additional value enables new growth opportunities. We are committed to helping our customers expand their businesses using various value-added services such as card loyalty platforms, 3-D Secure, P2P and mobile payments.
Card fraud prevention
Our Card Transaction Monitoring service detects and stops potential card fraud at an early stage, reducing fraud losses for both the card issuer and the cardholder. Card fraud monitoring is delivered as a 24/7 fully managed service, operated by highly skilled and experienced fraud experts. Click the button to read more about our financial crime prevention services.
Financial crime prevention