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