New Blog! Open vs Closed Loop Cards: The Architecture Behind Modern Card Programs

Credit Cards

Credit cards built around your lending model

Launch consumer and commercial credit cards faster—with compliance, scalability, and branding built in.

Smarter credit programs

Revolving, installments, Shariah, and more—your model, your rules.

Revolving credit

Flexible credit lines with customizable repayment terms.

Cardholder Controls

Block/unblock cards and process on-demand overlimit requests.

Limits & Fees

Define spend rules, limits, and fees in real time.

Installments / EMI

Enable pay-later with configurable tenors.

Limits & Fees

Define spend rules, limits, and fees in real time.

A complete platform for modern credit

Card Types

Virtual, physical, and tokenized options.

Spend Controls

Real-time rules and programmable limits.

KYC / KYB

Digital onboarding for individuals and businesses.

Lifecycle Management

From issuance to activation, suspension, and renewal.

Fraud Monitoring

Real-time detection and protection.

Multi-Currency Support

Cards that work across currencies.

Advanced Credit Decisioning

Real-time approvals with data-driven scoring.

Cross-Border Payments

Enable international transactions with ease.

Push Provisioning

Instant integration with Apple Pay, Google Pay, and Samsung Pay.

End-to-end Program Management

From scheme connectivity to dispute resolution—every operational detail handled so you can scale with confidence.

Built-in Schemes

Direct integrations with Visa and Mastercard.

Settlements

Daily settlement processing with full transparency.

Reconciliation

Automated transaction matching and reporting at scale.

Treasury & FX

Manage float, funding, and currency conversions with ease.

Dispute Management

Simplify chargebacks with streamlined workflows.

Card Personalization

Issue physical, metal, or premium cards in your brand.

24/7 Cardholder Support

Always-on service for your customers.

Scheme Compliance

Audits, reporting, and certifications built in.

Consumer

Define spend rules, limits, and fees in real time.

Rewards & Loyalty

Cashback, points, and exclusive partner offers.

PFM Tools

Help customers track spend, budget, and repayments.

Installment Conversion

Turn purchases into predictable installments.

Real-Time Alerts

Instant updates on spend and repayments.

Customer

Give businesses the tools to control costs and simplify finance.

Expense Management

Policy-based controls with real-time monitoring.

Accounts Payable / Receivable

Streamlined supplier payments and invoicing.

ERP Integrations

Connect directly with systems like QuickBooks or Zoho.

Credit cards, without the complexity.

Go live faster with a fully managed platform—built for banks that need to scale.