Debit, Credit & Prepaid Cards

Do you want to start card issuing or migrate from another processing center? We can help you launch and develop your card processing within a few months.

Debit, Credit & Prepaid Cards
Data Preparation

Data preparation for all types of payment cards issued by international networks or local projects. A fully automated, high-speed data preparation solution to enable fast and easy card production. 

This service supports advanced smart card technologies: contact and contactless interfaces. Flexible functionality to adapt and configure the solution to customer-specific requirements.

PIN Management

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

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

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

Authorization switching & Clearing

This is a core service of UPC, with over 26 years of experience. 

With UPC the Bank gets a wide range of services for payment cards processing: debit, credit, EMV, contactless, pre-personalized, and many others.

Our multifunctional Authentic processing system provides a full cycle of transactions processing. UPC meets safety requirements that are confirmed by international audits annually.

API Access to Payment Card Information

UPC provides API and web services for integration with banking systems and rapid software development.

Our access service helps banks build Internet banking using the API.

Contactless payments

Cardholders around the globe are enjoying the ease, speed and convenience of contactless payment for small, frequent transactions using cards, mobiles, watches etc. The volumes and number of such transactions are constantly increasing. 

UPC systems support both Visa payWave & MasterCard PayPass contactless technologies. We are ready to help banks start issuing and processing contactless cards.

Digital Wallets

We process transactions from the most popular digital wallets, including Apple Pay, Google Pay, Visa Checkout, and more. 

UPC co-leads the project with the Bank and Payment System while setting up a digital wallet. In addition we check cards when a token is generated, as well as analyze the result of the cryptogram check in financial transactions.

Fraud Protection & Dispute Management

UPC offers a wide range of flexible software solutions for efficient monitoring of suspicious card transactions and in the acquiring network in real time. Through analysis of card activity in ATMs, POS-terminals and on websites we provide a rapid a real-time response to fraud.

Our security solutions increase customer loyalty and minimize potential financial losses that might result from compromised payment data.


We are ready to provide the bank with data reports to analyze and evaluate efficiency of products and solutions, as well as to optimize the relevant business processes.

UPC offers different reporting options for customers. Reports are available via UPC OnLine remote system, through a flexible reporting API or a file transfer.

Contact us

Address Str. Gareth Jones 8, build B-11, POB 65, Kyiv, 04119, Ukraine

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