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 with a certain focus  (transaction type, MCC, retail network, country, etc.).

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 immediately upon contacting the bank.

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

The service allows you to choose the number of installment 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 convenient 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 deliver, 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.

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.

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

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

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

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.

IS-Card supports clearing calculation with merchants and International Payment Systems.

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

Customization of commissions and charging conditions for cash withdrawal on ATMs and purchases at POS, taking into account the locality of transactions.

Volume based transaction pricing with incentivizing thresholds for customers increases the number of card transactions and the bank's income.

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

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