Modular card services for banks, fintechs and financial institutions
We know the best customer experience can only be created together with our customers. We believe in 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. Our services have a long track record and are proven and trusted by close to hundred customers in the Nordics and Europe. In addition, our one-stop shop strategy gives you access to the most innovative and fully PCI-compliant card processing services on the market.
Tord-Rune Larsen
Head of Sales, Card Issuing
Fully-managed card services
Utilize your creativity and unique position to create value for your customers, which can be built on top of our fully-managed shared or outsourced card services.
Card compliance
We are compliant with Visa and MasterCard international standards and also to the requirements of 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 & authorisation processing
Our card management system and authorization services 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 card transactions and millions of cards for more than a 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 and local card schemes, including their PCI requirements. 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. 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, etc.
Mobile payments
Our mobile payment platform was among the first to be 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 major wallets such as Apple Pay and Google Pay. We currently deliver this service both as single components or as a 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. In a safe, secure and easy way, we provide all essential card-related support, such as card activation, digital wallet enrollment and card blocking. In short, we make sure your customers get an unrivaled 24/7 service via phone, email, chat and customed 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. In short, our desire is to protect both the cardholder and card issuer from unnecessary financial loss.
Value-added services
The ability to meet the evolving needs of cardholders and create 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 platform, 3-D Secure, commercial cards, special purpose virtual cards, P2P payments 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. The 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