CardInfra brings together the technology required to build, launch and operate modern card businesses.
Connect your existing banking and payment infrastructure to the card capabilities your business needs—from issuing and processing to transaction orchestration, specialized card programs and partner-led card businesses.
Building and operating card programs often means connecting multiple platforms across issuing, processing, authorization, card management, PIN services, transaction routing and payment networks.
As card businesses grow, that complexity grows with them.
CardInfra provides a connected infrastructure layer designed to simplify that complexity.
CardInfra sits at the centre of your card ecosystem. It connects the systems you already operate with the card capabilities you want to deliver.
CardInfra provides infrastructure across the critical stages of a card program.
Create card programs, products and cardholders and connect them to the systems responsible for card production and fulfillment.
Support card activation and PIN-related workflows across the card lifecycle.
Process and orchestrate real-time transaction authorization between card channels, processors and issuer infrastructure.
Manage cards, cardholders, programs and lifecycle events.
Apply transaction routing and business logic across connected systems.
Add specialized capabilities for prepaid, credit, CaaS, instant issuance and CNP transaction environments.
CardInfra combines foundational capabilities that can be deployed as part of a broader card environment.
Infrastructure for creating, provisioning and managing cards throughout their lifecycle.
Support the transaction processing and authorization workflows required to operate card programs.
Manage cards, cardholders, programs and lifecycle activities through connected infrastructure.
Route and coordinate transactions across the systems involved in authorization and processing.
Enable financial institutions to support fintechs, businesses and other partners through controlled card issuing models.
Provide the infrastructure and operational capabilities required to manage card businesses in production.
Not every card business works the same way.
CardInfra provides specialized infrastructure for different products, operating models and transaction environments.
Enable banks to provide card issuing infrastructure to fintechs and partners through a structured, API-enabled model.
Build and manage prepaid card programs with dedicated program and card management capabilities.
Support credit card businesses with infrastructure designed around credit accounts, ledgers, interest, limits and cardholder management.
Connect immediate card issuance experiences to the underlying card, personalization and activation infrastructure.
Support Card-Not-Present transaction scenarios where 3-D Secure is not used through dedicated transaction infrastructure.
CardInfra is designed to fit into existing financial infrastructure.
Connect through established interfaces and integration patterns across:
The goal isn’t to replace every system around your card business.
It’s to bring the critical pieces together.
CardInfra is not a single monolithic system that requires you to adopt everything at once. Start with the infrastructure required for your immediate objective, then extend the platform as your card business grows.
Launch a card program.
Add new card products.
Enable fintech partners.
Launch prepaid or credit programs.
Introduce instant issuance.
Support new transaction environments.
Core card issuing and processing infrastructure.
Bank–fintech card issuing infrastructure.
Prepaid card management infrastructure.
Credit card management infrastructure.
Immediate card issuance infrastructure.
CNP / non-3DS transaction infrastructure.
Card & PIN Middleware
Secure PIN Management
Transaction Orchestration
Scheme Reporting & Compliance
Transaction Notifications
Transaction Monitoring & Intelligence
Built for institutions where reliability, security and operational control matter.
Designed to work across existing banking and payment ecosystems.
Deploy the capabilities relevant to your business without unnecessary platform complexity.
Support growing portfolios, transaction volumes, programs and partner ecosystems.
Designed for deployment models aligned with institutional infrastructure and security requirements.
CardInfra gives financial institutions a connected foundation for launching new card products, modernizing existing infrastructure and expanding into new card business models.
Tell us what you’re building, what you’re integrating with and where you want to go next.