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Card Issuing

Being able to quickly offer your clients a new virtual, mobile or physical card is essential in a world where everyone wants everything - now.

Modular solutions and services for fintechs, banks and other issuers

We know the best customer experience can only be created together with our customers. We believe in flexible services and solutions that can be easily customized to fit our customers' exact requirements.

If you need a fully-integrated service offering or system 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 and solutions have a long track record and are proven and trusted by hundreds of customers in the Nordics, Europe and globally. In addition, our one-stop shop strategy gives you access to the most innovative and fully PCI-compliant services and solutions on the market.

Our team at your service

Utilize your creativity and unique position to create value for your customers, which can be built on top of our fully-managed service or on-premise solution.

Fully-managed or on-premise

Utilize your creativity and unique position to create value for your customers, which can be built on top of our fully-managed service or on-premise solution.

Compliance with international standards ensures the conformity of your operations in line with industry and national requirements.

Regulatory compliance

Compliance with international standards ensures the conformity of your operations in line with industry and national requirements.

Our easy-to-integrate API interface, together with our innovative and feature-rich services and solutions, allow you to always stay ahead of the competition.

Short time-to-market

Our easy-to-integrate API interface, together with our innovative and feature-rich services and solutions, allow you to always stay ahead of the competition.

Key features

Card management & authorisation 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 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, our solutions 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 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 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 and solution 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 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 loyalty platform, 3-D Secure, commercial cards, special purpose virtual cards, P2P payments and mobile payments.

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