Card Issuing System

Designed for banks, payment institutions, and fintech companies, the card issuing system supports multi-currency and multiple schemes (UnionPay, Visa, Mastercard, etc.) for both physical and virtual cards, covering end-to-end lifecycle management. With a modular architecture and open APIs, it enables rapid onboarding to major schemes, significantly lowering technical barriers and operating costs to deliver efficient, compliant, and secure issuing services.

  • Multi-Model Issuing Support: Supports proprietary issuing (institution-owned BIN connected to schemes) and BIN sponsor models (issuing via third-party account systems), flexibly meeting diverse business needs;
  • Card Type and Brand Management: Flexible configuration of primary and secondary BINs; allocate sub-BINs by brand, type, channel, or use case to achieve unified management across multiple brands and card types;
  • Issuing and Account Management: Full-process management for physical cards and virtual cards (VCC), including application, activation, freeze/unfreeze, limit settings, and transaction inquiries;
  • Intelligent Risk and Compliance: Built-in eKYC verification, AML monitoring, real-time transaction surveillance, and anti-fraud detection; supports multi-level risk policies to ensure compliance and fund security;
  • Reconciliation and Settlement: Integrated statement download, exception reports, automated reconciliation, and dispute handling to improve operational efficiency;
  • Open Integration: Standardized API interfaces for seamless integration with enterprise systems and third-party platforms, supporting flexible expansion.
  • Dual Deployment Models: Supports cloud-based SaaS and on-premises deployment to fit different IT strategies;
  • Bank-Grade Security and Compliance: Certified with PCI DSS, ISO 9001; employs device fingerprinting, geo-fencing, and HSM encryption to secure data and transactions;
  • Flexible Business and Revenue Sharing: Supports multi-level agents, revenue sharing, and customized partnership models to enable diversified operations;
  • Multi-Channel Access: End users can self-serve via mobile app and web portal; standardized OpenAPI enables partner system integration and expansion, fostering collaboration and ecosystem building.

Success Cases