Cards

We deliver global card solutions.

We provide physical cards, virtual cards and tokenisation for banks, corporates and retailers, certified by Visa and Mastercard. And, we cover interbank connectivity, dispute resolution, settlement, merchant management and e-commerce support.

Card Issuing

Prepaid (wallets) / Debit Cards

Credit Cards

Virtual Cards (dynamic CVV)

Corporate Purchase Cards

Private Label Cards (closed loop)

Branded Credit Cards

Store Cards

Customer incentivisation/Loyalty Cards

Primary & Secondary Cards

Bulk & personalised Cards

Card Processing

Local and International Card Issuing/Processing

VISA, Mastercard & BankservAfrica

POS & ATM

Tap & Go/contactless (EMV)

E-commerce (3D Secure)

Tokenisation

Token Lifecycle Management

Digital Cards: Apple Pay, GooglePay, and others.

Card Management Services

Client Self-Service User Portal

Card ordering/activation

Card replacement (lost/expired)

Pin issuing

Pin encryption – Hardware Security Module (HSM & Key management)

Card block/unblock

Transaction limit setting (primary & secondary cards)

ATM/POS – on/off (international & tap-and-go)

Notifications (SMS, email)

IVR – pin select / change

Stand-in capabilities

Back-office Support

Interbank and customer dispute handling

Chargebacks

Seamless reconciliation (Recon Hub)

Fraud Management System

Customer risk rules

Card association-based rule matrix

Institutional rule matrix

Compliance/Reporting

BOP card reporting

PCI compliant

Scheme certification (VISA/Mastercard)

BankservAfrica certification

Banking

We make banking a breeze.

We’ve got the full range of banking products covered - transactions, savings, lending and investments, asset and property finance, along with Business and Corporate accounts. Plus fraud management, tiered authorisation, and much more.

Banking-as-a-Service (BaaS)

Transactional products  

Investment products

Lending products (secured and unsecured)

Business Banking  

Corporate Transaction Accounts

Relationship Management

Tiered Authorisation

Asset and Property Finance  

Mortgages

Vehicle Finance

Payments

We power payments.

We are Visa and Mastercard certified for both local and international issuing  and acquiring services. We also facilitate all South African payment streams and payment types.

Visa and Mastercard services

Local and International processing

Issuing and Acquiring

Physical Terminals ATM & Point of Sale (POS), including SoftPOS.

E-commerce

Virtual Cards

Tokenisation (Wallet payments, i.e., ApplePay, GooglePay)

Merchant Management Services (including settlement)

ATM Cash Management

National Payment System (NPS) BankservAfrica

Electronic Fund Transfer (EFT)

Bill Payments

Debit Orders

Local ATM and POS transactions

E-commerce purchases (3D-secure)

Real Time Clearing (RTC)

Debicheck

Rapid Payment Program (RPP) in line with industry rollout

SWIFT

Non-regulated Payments

Closed loop (wallet to wallet)

3rd Party Deposits/Payments - e.g., Pay@ and EasyPay

Value Added Services (VAS) – e.g., pre-paid electricity and airtime

Compliance

We tick the boxes.

We worry about regulatory compliance so you don’t have to, including PCI DSS and other global and local banking and payment regulations.

Reconciliation and Settlement Services

We do seamless reconciliation.

Our specialities include ensuring current and 100% accurate settlement figures and reconciliation processes. Whether it's financial operations or back-office processes, we keep things synchronised, stable and accurate.

Payments Hub

Our central processing environment is designed to consolidate all payments and payment data, offering a singular interface for all payment types. It provides a comprehensive view of all your payments through a single, clear pane of glass, ensuring seamless management and oversight.‍

Consolidation and Transaction Warehousing

Consolidation of all payment types (i.e., single transaction engine)

Transaction Warehousing/Dashboarding

MIS/Reporting

Data Analytics

Cashflow and Liquidity Management

Reconciliation Hub

We run an automated reconciliation process at a transactional level with real-time data across all payment streams. This allows us to keep a central record of all transactions processed through Visa and Mastercard, handle interbank disputes and handle lost/stolen cards.

Financial and Back Office Support Services

Reconciliation Services

Daily balancing and reconciliation of transactions

Dispute Management Services

Visa/Mastercard Chargebacks

SAS Queries

EFT Dispute Management

Unpaids

Settlement and Clearing Services

General Ledger and Financial Management Services

Payment Streams Reconciled

VISA

Mastercard

Electronic Fund Transfers (EFT)

ATM Deposits and Withdrawals

Card Purchases  (POS & E-commerce)

Real Time Clearing (RTC)

Debicheck

PayShap

National Settlement (Central Bank Settlement)

International Settlement (RTGS/SWIFT)

Acquiring: Reconciliation and Settlement Services

ATM Acquiring: Cash Balancing and Settlement Services

POS Acquiring: Balancing and Settlement Services

Merchant Acquiring: Balancing and Settlement Services