Back
  • CARDS
    • Card Type
      • Prepaid Cards
        roadmap-icon-completed
        Prepaid Cards
        Offer the next-generation prepaid card customised to your customers
      • Debit Cards
        roadmap-icon-completed
        Debit Cards
        A tailored debit card solution beyond the ordinary
      • Credit Cards
        roadmap-icon-completed
        Credit Cards
        Modern credit card with advanced customised features
    • Card Solutions
      • Buy Now Pay Later cards (BNPL)
        roadmap-icon-completed
        Buy Now Pay Later cards (BNPL)
        Dedicated BNPL cards
      • General Purpose Reloadable prepaid card (GPR)
        roadmap-icon-completed
        General Purpose Reloadable prepaid card (GPR)
        General purpose prepaid cards
      • Travel cards
        roadmap-icon-completed
        Travel cards
        Multiple currency accounts linked to a single card with ability to move funds between
      • Salary & Payroll cards
        roadmap-icon-completed
        Salary & Payroll cards
        Load Salary and Payroll for easy disbursement and withdrawal
      • Corporate cards
        roadmap-icon-completed
        Corporate cards
        Issuing and management of Corporate cards with integration to the card scheme corporate programs (Amex EGMIS, Mastercard SDF, Diners)
      • Government Stimulus cards
        roadmap-icon-completed
        Government Stimulus cards
        Distribute incentives or benefits from Government – such as COVID relief payments
      • Disbursement cards
        roadmap-icon-completed
        Disbursement cards
        Insurance and Health provider disbursements
      • Economic Impact Payment cards (EIP)
        roadmap-icon-completed
        Economic Impact Payment cards (EIP)
        Distribute benefits from Government such as hardship grants
      • Small Business cards
        roadmap-icon-completed
        Small Business cards
        Small medium business card accounts wit business limit and spending controls
      • Multicurrency cards
        roadmap-icon-completed
        Multicurrency cards
        Support cards in multiple currencies
      • Gift cards
        roadmap-icon-completed
        Gift cards
        Single use physical and virtual gift cards
      • Prepaid cards
        roadmap-icon-completed
        Prepaid cards
        Prepaid debit card accounts
      • Debit cards
        roadmap-icon-completed
        Debit cards
        Debit card issuing for use with integration with a core banking account system
      • Credit cards
        roadmap-icon-completed
        Credit cards
        Revolving credit card accounts processing and management
    • Card Features
      • Instant Issuance
        roadmap-icon-completed
        Instant Issuance
        Real time card issuance for virtual and physical cards
      • Virtual cards
        roadmap-icon-completed
        Virtual cards
        Instant issuance virtual card for your prepaid and debit solution
      • BNPL Install Pay
        roadmap-icon-completed
        BNPL Install Pay
        Dedicated Buy Now Pay Later card that turns everyday purchases into a BNPL transactions
      • BNPL Major Purchase
        roadmap-icon-completed
        BNPL Major Purchase
        Give your customers control of larger purchases or remaining balances by switching them easy to manage instalments.
      • EMV Contactless
        roadmap-icon-completed
        EMV Contactless
        Full EMV card support for contactless cards
      • EMV Contact
        roadmap-icon-completed
        EMV Contact
        Full EMV card support for contact cards
      • 3D Secure 2.0
        roadmap-icon-completed
        3D Secure 2.0
        Support for latest 3D Secure 2.0 protocol for e-commerce
      • Supplementary cards
        roadmap-icon-completed
        Supplementary cards
        Multiple cards per account and account per card – many to many
    • Card Management
      • PAN Tokenisation
        roadmap-icon-completed
        PAN Tokenisation
        Tokenisation of card PAN for storage as part of PCI compliance and to protect data
      • Random card numbers
        roadmap-icon-completed
        Random card numbers
        Sequential or Randon card numbering to reduce fraud from BIN attacks
      • 8 digit BINs
        roadmap-icon-completed
        8 digit BINs
        Support the 8 digit BIN as next scheme standard
    • PIN Management
      • Random PIN generation
        roadmap-icon-completed
        Random PIN generation
        Randomly generated PIN through Hardware Security Device (HSM)
      • PIN Mailer production
        roadmap-icon-completed
        PIN Mailer production
        Traditional PIN mailer for PIN distribution
      • Customer Selected PIN
        roadmap-icon-completed
        Customer Selected PIN
        API for customer selected PIN from mobile device or IVR
      • PIN Reset
        roadmap-icon-completed
        PIN Reset
        API for PIN reset after forgotten PIN or PIN attempts exceeded
  • DIGITAL CARDS & WALLETS
    • Mobile App
      • White label mobile app
        roadmap-icon-completed
        White label mobile app
        Leverage our white label mobile app to offer a modern, digital banking to your cardholders
      • Domestic and Cross-border Remittance
        roadmap-icon-in-progress
        Domestic and Cross-border Remittance
        Allow your cardholders to send money domestically and internationally from with your mobile app
      • Remote Deposit Capture (US)
        roadmap-icon-in-progress
        Remote Deposit Capture (US)
        Accept checks via a mobile app using remote deposit capture technology
    • Mobile Payments
      • Apple Pay
        roadmap-icon-completed
        Apple Pay
        Support for provisioning, lifecycle management and transaction processing for Apple Pay on mobile devices
      • Google Pay
        roadmap-icon-completed
        Google Pay
        Support for provisioning, lifecycle management and transaction processing for Google Pay on Android based mobile devices
      • Samsung Pay
        roadmap-icon-completed
        Samsung Pay
        Support for provisioning, lifecycle management and transaction processing for Samsung Pay on mobile devices
      • Fitbit Pay
        roadmap-icon-completed
        Fitbit Pay
        Adding the “Pays” capability for FitBit fitness and wearable devices
      • Garmin Pay
        roadmap-icon-completed
        Garmin Pay
        Adding the “Pays” capability for Garmin fitness and wearable devices
    • Digital Cards
      • Virtual cards
        roadmap-icon-completed
        Virtual cards
        Instant issuance virtual cards for use on mobile devices
      • Supplementary cards
        roadmap-icon-completed
        Supplementary cards
        Issue supplementary virtual card for use on mobile devices
      • Single Use cards
        roadmap-icon-completed
        Single Use cards
        One time/Single use cards for one off transactions
      • Virtual Account Numbers (VANs) or Virtual Card Numbers (VCNs)
        roadmap-icon-completed
        Virtual Account Numbers (VANs) or Virtual Card Numbers (VCNs)
        Single use cards for Corporate or Supplier payments
    • Digital Enablement
      • MDES integration
        roadmap-icon-in-progress
        MDES integration
        Integration with the MasterCard digital enablement service for PAN tokenisation
      • VTS integration
        roadmap-icon-in-progress
        VTS integration
        Integration with the Visa Tokenisation Service for PAN tokenisation
    • Digital Wallets
      • Integration with custom wallets
        roadmap-icon-future
        Integration with custom wallets
        Support for additional third party digital wallets
    • QR
      • MasterPass QR
        roadmap-icon-future
        MasterPass QR
        MasterPass QR based push and pull payment between cardholder and merchant devices
      • mVisa QR
        roadmap-icon-future
        mVisa QR
        mVisa QR based push and pull payment between cardholder and merchant devices
  • API & INTEGRATION
    • SOAP API
      • Cardholder API
        roadmap-icon-completed
        Cardholder API
        Enabling Customer self service through mobile and internet banking channels
      • Administration API
        roadmap-icon-completed
        Administration API
        Entensive API functions to support program management
    • REST API
      • Cardholder API
        roadmap-icon-in-progress
        Cardholder API
        Enabling Customer self service through mobile and internet banking channels
      • Administration API
        roadmap-icon-in-progress
        Administration API
        Entensive API functions to support program management
      • Dynamic Spend Controls
        roadmap-icon-in-progress
        Dynamic Spend Controls
        Ability for Customer to set and manage their own spending limits
      • BNPL APIs
        roadmap-icon-in-progress
        BNPL APIs
        Convert transactions and balances to a BNPL installment
    • Integration
      • Card plastic manufacturers
        roadmap-icon-completed
        Card plastic manufacturers
        Integration to issue physical cards
      • ACS integration
        roadmap-icon-in-progress
        ACS integration
        Integration with Access Control Server for 3DS and EMV
      • Transaction enrichment and data providers
        roadmap-icon-future
        Transaction enrichment and data providers
        Combine metadata (eg location, logos) together with transaction information
    • Mobile Payments Software Development Kit (SDK)
      • Apple Pay
        roadmap-icon-future
        Apple Pay
        Embedded SDK to enable digital payments from an Apple mobile device
      • Google Pay
        roadmap-icon-future
        Google Pay
        Embedded SDK to enable digital payments from an Android device
      • Samsung Pay
        roadmap-icon-future
        Samsung Pay
        Embedded SDK to enable digital payments from a Samsung device
    • Data Services
      • Open Banking data streaming
        roadmap-icon-in-progress
        Open Banking data streaming
        Publishing or events and data to enable Open Banking
      • Eventing
        roadmap-icon-in-progress
        Eventing
        Event driven notifications and transaction alerts
      • Real time data streaming
        roadmap-icon-in-progress
        Real time data streaming
        Publisher/Consumer model to stream data to other applications
  • ISSUING
    • Prepaid Issuing
      • Mastercard Prepaid Issuing USA
        roadmap-icon-completed
        Mastercard Prepaid Issuing USA
        Full issuing service for Mastercard prepaid cards in the United States
      • Mastercard Prepaid Issuing Australia
        roadmap-icon-in-progress
        Mastercard Prepaid Issuing Australia
        Full issuing service for Mastercard prepaid cards in Australia
      • Mastercard Prepaid Issuing New Zealand
        roadmap-icon-in-progress
        Mastercard Prepaid Issuing New Zealand
        Full issuing service for Mastercard prepaid cards in New Zealand
    • Debit Issuing
      • Mastercard Debit Issuing Australia
        roadmap-icon-in-progress
        Mastercard Debit Issuing Australia
        Issuing service for Mastercard debit cards in Australia
      • Mastercard Debit Issuing New Zealand
        roadmap-icon-in-progress
        Mastercard Debit Issuing New Zealand
        Issuing service for Mastercard debit cards in New Zealand
      • Mastercard Debit Issuing USA
        roadmap-icon-future
        Mastercard Debit Issuing USA
        Full issuing service for Mastercard debit cards in the United States
    • Schemes
      • Mastercard
        roadmap-icon-completed
        Mastercard
        Native connectivity to Mastercard network for authorisation processing
      • Visa
        roadmap-icon-completed
        Visa
        Native connectivity to Visa network for authorisation processing
      • UnionPay
        roadmap-icon-completed
        UnionPay
        Native connectivity to Unionpay network for authorisation processing
      • JCB
        roadmap-icon-completed
        JCB
        Native connectivity to JCB network for authorisation processing
      • AMEX
        roadmap-icon-completed
        AMEX
        Native connectivity to AMEX (America Express) network for authorisation processing
      • Diners
        roadmap-icon-completed
        Diners
        Native connectivity to Diners network for authorisation processing
      • Discover (US)
        roadmap-icon-completed
        Discover (US)
        Native connectivity to Discover network for authorisation processing
    • Scheme Management
      • Settlement
        roadmap-icon-completed
        Settlement
        Scheme Clearing and Settlement file processing
      • Reconciliation
        roadmap-icon-completed
        Reconciliation
        Reconciliation reporting
    • Account Management
      • Transaction fees
        roadmap-icon-completed
        Transaction fees
        Configurable transactions fees
      • Currency conversion
        roadmap-icon-completed
        Currency conversion
        Currency conversion with support for forex rates and margins
      • Billing and statements
        roadmap-icon-completed
        Billing and statements
        Cardholder Billing and Statements for Credit products
      • Direct Debits and Automatic Payments
        roadmap-icon-completed
        Direct Debits and Automatic Payments
        Automatic payment and direct debit processing for account payment – minimum due, full balance, fixed amount
  • PROCESSING
    • Schemes
      • Mastercard
        roadmap-icon-completed
        Mastercard
        Native connectivity to Mastercard Banknet and MNGS networks
      • Visa
        roadmap-icon-completed
        Visa
        Native connectivity to Visa network
      • UnionPay
        roadmap-icon-completed
        UnionPay
        Native connectivity to Unionpay network
      • JCB
        roadmap-icon-completed
        JCB
        Native connectivity to JCB network
      • AMEX
        roadmap-icon-completed
        AMEX
        Native connectivity to AMEX (American Express) network
      • Diners
        roadmap-icon-completed
        Diners
        Native connectivity to Diners network
    • Scheme Management
      • Settlement & Clearing
        roadmap-icon-completed
        Settlement & Clearing
        Native scheme clearing file integration and processing
    • Transaction Management
      • StandIn
        roadmap-icon-completed
        StandIn
        Provide standing capability for core banking systems when offline
      • Enhanced StandIn
        roadmap-icon-in-progress
        Enhanced StandIn
        Improved Standin capability for increased availability
  • CORE PLATFORM
    • Software as a Service (SaaS)
      • USA
        roadmap-icon-completed
        USA
        Software as a Service platform, leveraging AWS in North American Region
      • Oceania
        roadmap-icon-completed
        Oceania
        Software as a Service platform, leveraging AWS in Australian Region
      • LATAM
        roadmap-icon-future
        LATAM
        Software as a Service platform, leveraging AWS in South American Region
      • South East Asia
        roadmap-icon-future
        South East Asia
        Software as a Service platform, leveraging AWS in Asian Region
    • Architecture
      • High Availability
        roadmap-icon-completed
        High Availability
        Utilising Cloud technology and configuration for a highly available platform
      • Scalable
        roadmap-icon-completed
        Scalable
        Utilising Cloud technology and configuration for a scalable platform
      • Multi-tenant
        roadmap-icon-completed
        Multi-tenant
        Authentication and security controls for access to a multi-tenant environment
    • Localisation
      • Multicurrency
        roadmap-icon-completed
        Multicurrency
        Support for unlimited number of different currency accounts
      • Enhanced multi-region EOD processing
        roadmap-icon-in-progress
        Enhanced multi-region EOD processing
        End of day processing matched with local time zones
    • Monitoring
      • Transaction monitoring service
        roadmap-icon-in-progress
        Transaction monitoring service
        Monitoring and Alerting dashboard to track and monitor all transaction activity
    • Risk & Fraud Management
      • Rules engine
        roadmap-icon-completed
        Rules engine
        Flexible rules engine to configure and alert on suspect behaviour
      • Alerting
        roadmap-icon-completed
        Alerting
        Alerts for Risk Agents to monitor suspicious activity
      • Real time Decisioning
        roadmap-icon-completed
        Real time Decisioning
        Ability to dynamically decline transactions in real time meeting certain rule criteria
    • Collections
      • Delinquency Management
        roadmap-icon-completed
        Delinquency Management
        Manage overdue accounts and payment plans for repayment
      • Late Payment fees
        roadmap-icon-completed
        Late Payment fees
        Calculate and charge fees for late or missed payment
      • Payment Due Calculations
        roadmap-icon-completed
        Payment Due Calculations
        Flexible minimum due payment calculations
    • Dispute Management
      • Dispute Management Portal
        roadmap-icon-completed
        Dispute Management Portal
        Powerful dispute management portal for customer service and back office teams
      • Customisable workflow
        roadmap-icon-completed
        Customisable workflow
        Powerful workflow engine to produce flows that match your business processes
      • Multi level dispute management
        roadmap-icon-completed
        Multi level dispute management
        Manage dispute files and cases across business units and user role
      • Rules based configuration
        roadmap-icon-completed
        Rules based configuration
        Configuration based on scheme rules and timeliness criteria
      • Merchant Management
        roadmap-icon-completed
        Merchant Management
        Handle the merchants load from Merchant file for on-us merchants
      • Dashboard and Reporting
        roadmap-icon-completed
        Dashboard and Reporting
        Advanced reporting and dashboard for visibility of dispute management performance
      • Auditing
        roadmap-icon-completed
        Auditing
        Audit tracking of user and systems actions
      • Authorisation and approvals
        roadmap-icon-completed
        Authorisation and approvals
        Role based access control and authority levels
      • Mastercom Integration
        roadmap-icon-future
        Mastercom Integration
        Integration with Mastercard dispute portal
      • VROL Integration
        roadmap-icon-future
        VROL Integration
        Integration with Visa dispute portal
    • Loyalty & Rewards
      • Cash back
        roadmap-icon-completed
        Cash back
        Cash back reward feature in your card program
      • Integration with 3rd party platforms
        roadmap-icon-completed
        Integration with 3rd party platforms
        Integrate your card program to your preferred 3rd party loyalty partners
      • Points tracking
        roadmap-icon-completed
        Points tracking
        Point tracking feature for you and your customers
      • Promotions
        roadmap-icon-completed
        Promotions
        Support promotional marketing and campaign activities, and post-campaign fulfilments
      • Instant Rewards Redemption
        roadmap-icon-future
        Instant Rewards Redemption
        Integration with Loyalty platform to support real time redemption
      • Monthly Point Report
        roadmap-icon-future
        Monthly Point Report
        Reporting of Loyalty point accumulation/redemption
    • Portals
      • Customer Service Portal
        roadmap-icon-completed
        Customer Service Portal
        Role based portal for banks and fintechs to manage card programs
      • Cardholder Portal
        roadmap-icon-future
        Cardholder Portal
        White label cardholder portal for customer self-service
    • Dashboards
      • Enhanced reporting and dashboards
        roadmap-icon-future
        Enhanced reporting and dashboards
        Reporting platform providing modern reporting tools for BI and data analytics