Cards and mobile payments

Card-issuing and Mobile Payment Management

Payment Cards

Payment cards

We offer Banks a comprehensive range of advanced payment products and solutions, along with a variety of value-added services tailored for their Customers.

Focusing on the customer experience, we simplify transactions, believing that paying with a card or smartphone is the safest, easiest, and most practical option for everyone.

Our offering includes a full range of credit cards, debit cards, and prepaid cards, along with all available mobile payment solutions for smartphones and smartwatches.

We also create customized offers for our Partner Banks, managing both operational and commercial distribution, while enhancing their customer engagement through dedicated programs.

Our comprehensive range of payment cards includes:

Credit card offer

Payment solutions to meet the needs of Consumers and Companies:

  • Modular refund options
  • Mobile payments
  • Apps for expense control and card management
  • Insurance, assistance, security, and fraud prevention services.
  • Virtual cards for commercial supplies and travel purchases.
  • Optimized working capital for medium and large companies.

 

Debit card offer

A range of innovative debit products for Private Customers and Companies, featuring International debit cards that:

  • Enable online payments
  • Support contactless payments via phone and smartwatch.
  • Allow global ATM withdrawals
  • Offer expense tracking and service activation through the app
  • Include dedicated insurance protections.

Prepaid card offer

Our prepaid card offer provides secure, flexible spending with no need to link to a bank account. Features include:

  • Contactless technology
  • Available for minors
  • Usable for online and in-store purchases.

We also offer products for Companies that ensure greater transparency, control over business expenses, and improved efficiency in verification and reconciliation processes.

Mobile & Wereable payments

Mobile payments

Our solutions are powered by mobile technology, making the payment experience easier, faster, and more seamless. This not only increases usage frequency but also reduces the average transaction amount.

To enable convenient payments with any smartphone or smartwatch, we support all major platforms: Apple, Google, Samsung, Fitbit, Garmin, and Swatch.

Digital Factory

We provide Banks with a solution to offer multi-channel digital services designed for the consumer world, delivering a fully in-app, intuitive, and real-time experience. This solution optimizes onboarding and contracting processes, accelerates service redemptions, and enables continuous monitoring of ongoing activities. Key components include:

  • Bridge: A single interface managing interactions between the bank’s back-end, the solution, and third-party modules
  • SDK: Simplifies and speeds up front-end development, focusing on creating engaging User Experiences
  • Front End: Provides support in defining and developing all stages of Service Design, User Experience, and User Interface
  • Back-office portal: Manages aggregated data flow and tracks the performance of activities

Customer value management and loyalty services

We support Banks in creating Customer Engagement and Customer Value Management initiatives by designing, setting up, and implementing:

  • Loyalty programs
  • Personalized marketing campaigns
  • Caring initiatives
  • Multi-channel promotions

Our solutions help Banks enhance customer satisfaction and strengthen relationships. We offer a wide range of tested, modular, and ready-to-use campaigns, with full support at every stage—from strategy development and targeting to execution and results analysis.

We also provide advanced marketing automation systems and use both basic and advanced analytics to create business cases, KPIs, and performance targets.

Additionally, we offer loyalty systems for Issuers, enabling them to provide monetary bonus cards for purchases made with participating Merchants. This service includes automatic bonus calculation, cashback disbursement to Issuer accounts/cards, and invoicing to the Merchant.

Cross-channel payments

Security above all

With our advanced security protocols and cutting-edge fraud prevention technologies, we provide maximum protection for all purchases and payments made by Consumers and Companies using our payment cards—whether in-store, online, or remotely.

Plus, our notification services let cardholders track every transaction, while advanced identity verification features ensure high-level security for online payments.