Card Issuing — Smartex Money
Card Issuing — Branded Payment Cards for Your FinTech
The Smartex Money Card Issuing module provides end-to-end capability to issue virtual and physical payment cards under your brand. From BIN sponsorship integration to card personalization, activation, and lifecycle management — every step is handled within a single unified platform. Whether you are launching a neobank, an EMI, or a prepaid card program, our card issuing solution gives you full control over cardholder experience, spending limits, and security policies.
Supporting both Visa and Mastercard schemes through our partner BIN sponsors, the module enables rapid card program deployment without the complexity of direct scheme membership. Real-time transaction monitoring, instant card activation, and configurable spending controls put you in command of every card in circulation.
Card Program Capabilities
Virtual Cards
Instantly issue virtual cards for online purchases, subscriptions, and digital wallets. No physical production required — cards are ready for use within seconds of issuance. Support for single-use and multi-use virtual cards.
Physical Cards
Full physical card production workflow — from design approval to personalization, embossing, and mailing. Support for contactless (NFC), magnetic stripe, and chip-and-PIN. Custom branding and packaging options.
BIN Sponsorship
Integrated BIN sponsorship through our partner network. No need for direct Visa or Mastercard membership. Pre-negotiated rates and fast onboarding. Support for debit, credit, and prepaid card programs.
Card Lifecycle
Complete lifecycle management — issuance, activation, PIN setting, status changes, replacement, renewal, and closure. Automated renewal workflows with cardholder notifications. Lost and stolen card handling.
Spending Controls
Configurable card limits — daily, weekly, monthly, per-transaction. Merchant category code (MCC) restrictions. Geographic spending restrictions. Real-time limit adjustments via admin panel or cardholder app.
Network Integration
ATM and POS network integration through major payment schemes. Support for domestic and international transactions. 3D Secure (3DS) enrollment and processing. Real-time authorization and clearing.
Transaction Processing & Monitoring
Real-Time Authorization
Sub-second authorization response times for card transactions. Integrated with the ABS Core ledger for instant balance verification. Support for standalone and dual-message transactions. Decline reason management and retry logic.
Transaction Monitoring
Every card transaction monitored in real time. Integration with ADS Engine for AI-powered fraud detection. Suspicious transaction alerts and automated card blocking. Full transaction history with detailed metadata.
Settlement & Reconciliation
Automated settlement processing with payment schemes. Daily reconciliation files from card networks. Dispute and chargeback management workflow. Fee calculation and billing for cardholders.
Cardholder Notifications
Instant push notifications for every transaction — approvals, declines, and status changes. SMS and email alerts for key events. Configurable notification preferences per cardholder. Integration with the Mobile App.
Security & Compliance
PCI DSS Compliance
Full PCI DSS compliance built into the card issuance workflow. No sensitive card data stored in plaintext. Tokenization of card numbers. Secure key management via Cryptex DB virtual HSM.
Fraud Prevention
Multi-layer fraud prevention — velocity checks, behavioral analysis, geolocation validation, and device fingerprinting. Integration with Compliance Guard for sanctions screening on cardholders.
3D Secure 2.0
Full 3DS 2.0 (Strong Customer Authentication) support. Risk-based authentication for frictionless checkout. Integration with cardholder app for biometric authentication. PSD2 SCA compliance.
Ready to launch your card program?
The Card Issuing module integrates seamlessly with the ABS Core, Mobile App, and Compliance Guard — providing a complete card management ecosystem. Schedule a demo to see how quickly you can go live.
Request a Demo