Debit, Credit & Prepaid Cards

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

Debit, Credit & Prepaid Cards
Data Preparation

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

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 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

It’s a key service in the company with over 23 years of experience. 

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

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.

The 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, rings ets. The volumes and number of such transactions are constantly increasing. 

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

Digital Wallets

We process transactions through the most widely adopted 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. Also we check cards when a token is generated, as well as analyze the result of 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 a real-time rapid response to fraud is provided.

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