Card management system IS-Card

IS-Card can help your bank implement credit and debit products with highly flexible parameters driven efficiency. Moreover the system serves to develop savings and checking accounts and to increase efficiency of your issuing business. IS-Card contains all necessary tools for the development of CRM and loyalty programs.

Card management system IS-Card
Loyalty Program

Gives an opportunity to create and customize various loyalty schemes for customers with accrual of bonuses, gifts, or payments. 

Such programs encourage cardholders to make transactions on fixed basis (type, MCC, retail network, country, etc.).

Prepaid Cards

IS-Card supports the issuance of Instant cards of Mastercard, Visa payment systems. 

Thus, the bank always has ready-made cards that can be issued to customers upon contacting the bank.

Installment Payments

Banks can motivate customers to use credit funds more to pay for goods and services. Cardholders can apply for installments when paying by card in a POS-terminal. 

The service allows you to choose the number of payments and a convenient scheme of repayment. 

With Installment, the bank will receive additional income for using installments and an additional fee from retail networks.


A complex solution for setting-up and changing the PIN-code through various channels, such as IVR, Internet/mobile banking, SMS, POS-terminal.

Allows the bank to reduce the cost of PIN-envelopes printing and delivering, speeds up cards issuance.

This solution reduces the bank's expenses for reissuing cards whose PIN has been lost, as the cardholder can set a convenient easy-to-remember PIN.

Web Access for Mobile & Internet Banking

With IS-Card web services, it is possible to perform basic operations with customer data: registration, drawing up contracts, getting card information on the card, setting a limit, and much more.

API for Internet Banking

IS-Card interacts with automated banking systems (CBS), Internet and mobile banking systems in the online mode through a unified API.

Credit Schemes

IS-Card offers more than 20 credit schemes for authorized overspending. 

Available regulation of the privileged grace-period, «credit vacations» and much more.

SMS-Service by Events

The solution enables the bank to send SMS messages to customers. 

This can be a group of messages at the request of the client, periodic SMS, messages upon event, and so on.

Сlearing with Merchants & IPS

In IS-Card available calculation with merchants and Payment Systems. 

Terms of account for companys are registered separately and whole range of accounting transactions is available.

Threshold Commissions & Interest Rates

Customization of commissions and conditions of their charging for cash withdrawal operation in ATM and POS, taking into account the locality of transactions.

Threshold transaction pricing makes the cost of service more advantageous for customers and increases the number of card transactions and the bank's income.

3DS2 Сompliance

Our card issuance system fully complies with the 3DS2 protocol requirements and supports online transactions using biometrics in mobile applications.

Online Interaction with Processing

The functionality provides synchronization of the current card account balance in IS-Card with the balance in the UPC processing system, which authorizes transactions.

Contact us

Address 9 Stepana Bandery Ave., bld 5A, p.o box 65, Kyiv, 04073, Ukraine