Debit Issuing Processing: secure lifecycle payments 

Enables banks and issuers to run card portfolios efficiently across the full lifecycle - from production and personalization to mobile payments and app control. 
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Elevate your card business 

Our cards solution is a modular lifecycle platform for issuers. It helps banks and payment providers modernize existing card portfolios and launch new digital products across physical, digital and virtual channels.
Efficient card lifecycle management 

Helps issuers manage debit, credit and combo portfolios while meeting local market and regulatory requirements. Centralizes key lifecycle activities so you can streamline operations without completely replacing existing systems.

Ready for digital and mobile payments 

Delivers tokenization and wallet integration for Apple Pay, Google Pay and bank wallets. Customers provision cards instantly, manage PINs and control settings in your app, cutting postal risks and operational effort. 

Secure, compliant and future-proof 

Brings together proven fraud prevention and strong security controls while supporting evolving scheme rules and regulations. Standardized, API‑driven interfaces make it easier to adapt your setup as requirements change.

Benefits of our Debit Issuing Processing solution 

Higher efficiency, lower costs

Automates key lifecycle processes such as production, personalization, authorization routing, and clearing. Centralized management across schemes and products reduces manual effort, simplifies operations, and lowers total cost of ownership.

Faster time to market 

Modular services and standardized APIs let you roll out new card products, combo cards, and digital payment options quickly. You can adapt to market changes, scheme updates, and regulatory requirements without lengthy projects or heavy custom development. 

Better experiences and stronger security 

Supports mobile wallets, instant issuing, digital PIN and app‑based card control so customers get convenient, real‑time services. At the same time, integrated fraud prevention and authentication controls help you protect transactions without adding unnecessary friction. 

Overview of our Debit Issuing Processing solution

A modular software and service stack that lets banks and payment providers manage card products end to end – from production and authorization to digital wallets and app-based control.

Benefits of our Debit Issuing Processing solution for your customers

Pay anywhere, anytime 

Customers can use their cards across all channels – in-store, online, at ATMs and in mobile wallets. One consistent experience means they don’t need multiple cards or apps, and can rely on the same card for everyday spending at home and abroad. 

Instant access and control 

Digital issuance, wallet provisioning and app-based card control let customers start using their card within minutes. They can view card details, change PINs, adjust limits, and freeze or unfreeze cards directly in your banking app. 

Secure by design, low on friction

Strong protection against misuse gives cardholders confidence when paying online, in‑app or at the POS. At the same time, streamlined authentication keeps steps to a minimum so payments remain quick and convenient. 

Seamless payments, end-to-end

Your cardholders get simple, secure and flexible ways to pay – wherever they are, on any device, while you stay in control of limits, risk and service quality. 

+5.00
million produced cards
+38.00
million transactions per year in clearing & settlement
1.00
billion transactions per year in authorization

From integration to settlement, built to fit your bank

Our card services integrate seamlessly into your existing landscape and let you combine exactly the modules you need, from production to clearing.
Architecture & integration

Our card services connect to all relevant banking systems via standardized interfaces across the full value chain – from core banking and authorization to clearing and channels. 

A modern REST‑JSON API replaces legacy ISO 8583, provides richer data and removes complex transformations on the bank’s side. One central integration point keeps your payments architecture flexible and easier to evolve. 

Modular capabilities

Combine exactly the modules you need – from card production and personalization, PIN processes and lifecycle management to authorization, fraud prevention, clearing, settlement and dispute handling. 

You can outsource selected processes or run them end to end with a single provider, while keeping control of products and customer relationships. 


FAQs

Which card types can be issued with this solution?

Our platform supports girocard as well as international debit schemes such as Debit Mastercard and Visa Debit. Co‑badged and mobile‑only (tokenized) cards can be issued based on your portfolio strategy. 

How does the solution integrate with our existing banking systems?

Integration is handled via standardized interfaces that connect the platform with your core banking, authorization systems and clearing processes. A modern REST‑based API simplifies the authorization layer, so you can modernize step by step without a full system replacement. 

Which parts of the card lifecycle are covered?

The service covers the complete lifecycle: card production and personalization, PIN processes, card and limit management, authorization and routing, fraud prevention, clearing and settlement as well as chargeback and dispute handling. 

Can we start with a few modules and expand later?

Yes. Banks can start with selected modules—such as authorization or clearing and settlement—and later add card production, lifecycle management or mobile services as business needs evolve. 

How does the solution help reduce fraud and increase security?

Security is built in through strong cryptography, centralized key management and support for 3D Secure in e‑commerce. Real‑time rule‑based checks and fraud monitoring help detect and prevent suspicious card transactions across all channels. 


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