Card programs that launch fast and run securely
We help banks, processors and fintechs design, modernize and run issuing platforms for debit, credit, prepaid and virtual cards, from BIN setup and chip personalization to digital wallets and disputes.
What our clients are up against
Slow product launches
Launching a new card product, fee structure or portfolio often depends on change requests to a long-established Card Management System (CMS).
Cardholders expect digital first
Cardholders expect an instant virtual card, wallet provisioning and in-app card controls the moment their account is approved.
Security and scheme rules keep moving
Key management, scheme mandates, PCI DSS and authentication rules all evolve, and each change touches several systems at once.
How we cover Issuing & Card Management
Issuing platform architecture
Design the platform that runs every card product and portfolio.
- Full issuing stack architecture for debit, credit, prepaid and virtual cards
- Portfolio management across credit, prepaid, debit, fleet and corporate
- Card product configuration and fee management
- Cloud-native issuer backend design on AWS, Azure or Google Cloud
- Data migration from legacy CMS to cloud-native microservices
Card lifecycle and security
Keep every card, key and PIN under control from issuance to expiry.
- Card lifecycle and Bank Identification Number (BIN) management
- BIN sponsorship and Issuer Identification Number (IIN) allocation
- Hardware Security Module (HSM) integration and issuer script control
- Key management: Zone Master Key (ZMK), Card Verification Key (CVK), PIN Verification Key (PVK)
- EMV chip personalization, PIN management and Card Verification Value (CVV) generation
- Payment Card Industry Data Security Standard (PCI DSS) issuer compliance and security practices
- Card scheme compliance for Visa, Mastercard, Amex and Discover
Digital cards and authorization
Get cards into wallets instantly and keep authorizations flowing.
- Digital and virtual card issuance: tokenized, wallet-ready and instant
- Tokenization and digital wallet provisioning for Apple Pay and Google Pay
- 3-D Secure (3DS) Access Control Server (ACS) integration
- Strong Customer Authentication (SCA) compliance
- Authorization host integration and stand-in processing (STIP)
Cardholder services and integrations
Connect issuing to the services cardholders and operations teams use every day.
- Cardholder portal and mobile banking card management
- Integration with loyalty, risk, fraud and dispute modules
- Bank and retail loyalty linkage and rewards accounting
- Chargeback and dispute management workflows
Ways to work with us
Architecture review
An independent assessment of your issuing platform and CMS with a prioritized modernization roadmap.
Migration planning
A phased plan to move portfolios, keys and cardholder data from a legacy CMS while authorizations keep running.
Team training
Hands-on programs covering card issuing, chip personalization, HSM keys and digital wallets.
Build your team's capability
Our issuing modules can be delivered as a standalone program or tailored to your platform.
Request informationTraining modules
- Card Issuing and Lifecycle Management Deep Dive
- Credit, Debit and Prepaid Product Architecture Workshop
- CMS-to-Switch Integration Lab (ISO 8583)
- HSM Integration, Key Management and Issuer Script Control
- EMV Chip Personalization and PIN Management
- Digital Wallet Provisioning and Tokenization Workshop
- Authorization Host and Stand-In Processing Design
- 3-D Secure ACS Implementation
- Loyalty Integration and Rewards Accounting
- PCI DSS Issuer Compliance Training
Services, case studies and tools
Can you help us replace our card management system?
Yes. We start by mapping your current CMS, its products, integrations and key material, then define requirements for the target platform and support vendor selection. We don't resell platforms, so our recommendations follow your portfolio and roadmap. We then plan a phased migration that moves portfolios in controlled waves while authorizations keep running.
We want to launch virtual cards and wallet provisioning. What's involved?
You need token connections to the networks, such as Mastercard Digital Enablement Service (MDES) and Visa Token Service (VTS), onboarding with Apple Pay and Google Pay, identity and verification flows, and lifecycle events kept in sync between your CMS and the token vault. We design these flows with your team and support you through network and wallet onboarding.
Can you work with our processor or BIN sponsor?
Yes. Many issuers run programs through a processor, a BIN sponsor or both. We act as your independent architect: we document requirements, review integration specifications and vendor deliverables, and help every party work to the same plan and the same timeline.
Do you cover issuer-side security and compliance?
Yes. We design HSM integration and key hierarchies, chip personalization data, PIN and CVV processes, and 3DS authentication. We also help you prepare documentation and controls ahead of PCI DSS assessments and card scheme compliance reviews.
Let's plan your next card program
Talk to a senior consultant about your issuing roadmap.