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, settlements, merchant management and eCommerce support.

Visa and MasterCard

Local and International card issuing

Prepaid (wallets) Debit Cards

Credit cards

Virtual cards

Corporate purchase cards

Tap & go/contactless card solutions

Private label cards [closed loop]

Branded credit cards

Store cards

Customer incentivisation

Merchant benefits

Promotional financing

Card Management Services

Card ordering

Pin issuing

Pin encryption - Hardware Security Module (HSM)

Card block/unblock  

Transaction limit setting

ATM and/or POS - on/off

Notifications (SMS, email)

Geographic settings

Tokenisation

Apple Pay, Google Pay and others  

Token lifecycle management

Banking

We make banking a breeze.

We’ve got the full range of banking products covered - transactions, saving, 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 internationally certified and facilitate all South African payment streams. Our services also include merchant management and integration with National Payment Systems.

Visa and Mastercard services

Local and International processing

Issuing and Acquiring

Physical terminals ATM & Point of Sale (including SoftPOS)

Ecommerce

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

Ecommerce 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 consolidation.

Real-time and overnight settlement and reconciliation is our speciality, ensuring smooth consolidation of all payment types. Whether it's financial operations or back-office processes, we keep things synchronised, stable and on point.

Payments Hub

Our central processing environment is designed to unify all payments and payment data, offering a singular interface for all payment solutions tailored to our clients. It grants 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 (through a single pane of glass)

Data Analytics

Cashflow and Liquidity Management

Reconciliation Hub

Our advanced online interface acts as a one-stop information hub, streamlining the completion and verification of automated reconciliations for various clients and types, ensuring accuracy and efficiency in every process.

Financial and Back Office Support Services

Reconciliation Services

Daily balancing and reconciliation of transactions,

Dispute Management Services

Visa/Mastercard chargebacks

Sasquery

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 Withdrawal

POS Card Payments

Real Time Clearing (RTC)

Debicheck

Salary / Payroll  

National Settlement (Central Bank Settlement)

International Settlement (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