Cards & payments
Your card program, Your rules, Your pace.
We give banks full control over their card business, from issuing and authorization through self-service card management to the upsell, loyalty and benefit mechanics that make a card program genuinely valuable for customers and worth running for the bank.
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The card is most frequent touchpoint. Are you making the most of it?
Every transaction is a moment of attention. A chance to be relevant, to offer something useful, to deepen the relationship. Most banks let it pass – processing the payment and nothing more.
The banks getting the most from their card program are the ones who control it, who can launch new products quickly, respond to market trends, configure the customer experience and build the engagement layer that turns a payment instrument into a relationship driver.
Own your card management layer
Having your own card management layer, fully integrated as a module within DBOS, gives you direct control over card products and their parameters. New products, pricing changes, limit structures and add-on services can be configured and launched without dependency on the card provider's roadmap or development cycles.
Full self-service for customers
Limit changes, card blocking and unblocking, PIN management, card renewal, Apple Pay and Google Pay tokenization and virtual card issuance. All available digitally, all self-service, all without friction.
Build the engagement layer on top
Cards are a distribution channel for loyalty, benefits and upsell products. Instalment plans, insurance, travel benefits and merchant offers can all be built on top of the core card product, connected to our Loyalty solution and driven by personalized, behavior-triggered offers from our Personalization & AI solution.
Keep PCI DSS out of your scope, if needed
Through PAN tokenization, sensitive card data never enters the bank's own systems. The card provider handles full PAN, the bank operates with tokens. PCI DSS compliance stays with the provider, significantly reducing the bank's regulatory burden and infrastructure complexity.
Own card management module fully integrated with DBOS.
PAN tokenization keeping PCI DSS out of bank scope.
Real-time host-to-host authorization 24/7.
Loyalty, instalment and insurance program integration.
Full card lifecycle management for debit and credit.
National payment system integrations including SEPA, SWIFT and local clearing.
Self-service card operations including Apple Pay, Google Pay and virtual cards.
Sharia-compliant card program experience.
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