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In today’s fiercely competitive market place the key challenge for any issuer is to attract and retain customers. This means ensuring you can issue the right card product at the right price point. The BPC Cards and Wallet Management product supports credit, debit and prepaid cards straight out of the box. It also offers support for specialist card types like corporate, travel and campus cards, as well as virtual cards, e-wallets and emerging payment instruments.
Creating new products or reacting to a competitive threat can be a challenge. With our product you can design, develop and launch new card products extremely quickly. By making it possible to quickly edit a card product profile and decide on the product’s attributes (for example fees or credit limits), Card and Wallet Management enables new products to be launched within days, with unmatched flexibility and configuration capabilities.
The flexible fee engine helps you embed and automate fee structures. It supports a wide range of fees – including fixed, percentage thresholds and time-bound parameters – which can be combined to help maximize revenue. Card and Wallet Management also supports preferential fees within one-off marketing campaigns. All fees can be calculated online and offline, based on transaction or by event.
Designed with openness in mind, Cards and Wallet Management can interact with virtually any external system via built-in integration APIs. A simple interface makes it easy for customer service staff to manage customers, and makes setup and configuration straightforward for issuing teams. The product includes out-of-the box support for all IPS clearing interfaces and built-in interchange forecasting. As part of the SmartVista product suite, it has been developed to work seamlessly alongside other products within a broader payments solution.
Cards and Wallet Management makes it possible to organize card-based and other products around the customers existing systems.
Configuration capabilities make it easy to quickly develop and produce new card products that meet the needs of specific target customer groups.
You set the rules for calculating fees and commissions. The system supports a variety of algorithms in any combination: variable threshold, fixed rate and floating rate.
Enable the creation of debit, credit, virtual or prepaid cards across different payment schemes: VISA, MasterCard, China UnionPay (CUP), Diners Club, American Express, and private cards. Cards can be created in a variety of physical media, including magnetic stripe with contact and contactless chip. You can create co-branded, personal and corporate cards. Managed cards and accounts can also be authorized online.
Cards and Wallet Management also supports financial and non-financial notifications such as PIN code changes.
The product supports multiple currencies and the application of different rules depending on the source of funds. The product also provides flexible mechanisms for debit accounts, useful when working with cards that support multiple currencies.
Support for the full dispute resolution cycle ensures the best possible customer care.