Software / Issuing Processing
Issuing processing, under your programme controls.
Card management, authorisation processing, transaction handling and programme controls for issuers, programme managers and institutions building card products.
At a glance
- Built for
- Issuers & programme managers
- Cards
- Virtual and physical
- Decisions
- Authorisation & stand-in
- Deployment
- Cloud or on-premises
Capabilities
Card and cardholder lifecycle
Application, approval, issuance, replacement, blocking and closure held in one record with a full audit trail.
Authorisation processing
Real-time decisioning against balances, limits, velocity rules and programme permissions, with stand-in behaviour when the issuer host is unavailable.
Programme controls
Product-level configuration for channels, geographies, merchant categories, limits and cardholder permissions.
Tokenisation and wallets
Provisioning of network tokens for mobile and digital wallets, with lifecycle management of the token itself.
Transaction handling
Clearing, presentment, adjustments and refunds processed against the cardholder account with scheme-compliant messaging.
Disputes and servicing
Chargeback and dispute workflows, provisional credit handling and the operational tooling to resolve cases.
Amount
£128.40
Authorisation received
ISO 8583 · auth request
Card and limits validated
Programme controls applied
Stand-in decision
Balance available
Response returned
Approval code issued
Programme controls
Conceptual interface
Inside an authorisation
A decision in milliseconds, with the reasoning kept.
Rules, not guesswork
Every decision is evaluated against explicit programme, balance, limit and velocity rules — so outcomes can be explained to the cardholder, the institution and the regulator.
Stand-in by design
When the issuer host is unavailable, defined stand-in limits keep transactions flowing within agreed risk parameters.
One event stream
Authorisation, clearing and adjustment events are retained together, giving operations and finance the same view of a transaction.
Programme API
Create and control cards programmatically.
Card creation, controls and status changes are available through the API, so onboarding, servicing and partner platforms can operate without manual intervention.
Illustrative request. Interface details are confirmed during technical discovery.
{
"programme": "consumer-gbp",
"cardholder": {
"name": "A. Mercier",
"email": "a@example.com"
},
"product": "debit-virtual",
"controls": {
"online": true,
"atm": false
}
}Lifecycle
From setup to steady-state operations.
- 1
Set up the programme
Products, BIN ranges, limits and controls configured with the issuing institution.
- 2
Issue and provision
Cards created, printed or digitalised, and provisioned into wallets.
- 3
Authorise
Live decisions at the point of transaction with programme rules applied.
- 4
Clear and service
Clearing, settlement, disputes and ongoing cardholder servicing.
Next step
Talk to the product team.
Bring the requirement, the constraints and the institutions involved. We will tell you what the implementation looks like.