GPC provides comprehensive card management solutions with full support and product customisation to financial institutions, including contactless and chip card functionalities.


Debit

Our debit card service package can integrate with any Core Banking System and offers you everything you need to successfully manage your debit card product portfolio and streamline your operations in a secure and compliant processing environment.

The service supports PIN-secured, signature debit, prepaid and contactless cards with adjustable tariff fees. Debit products can be single or multi-currency, with the capability for loyalty program management.

Features include:

  • An authorisation platform for online and offline transactions
  • Real-time payments
  • Exhaustive reports
  • Workflows for product management
  • Easy integration with perso bureaus
  • Clearing and settlement
  • API for easy integration with CBS

Our baseline service package can be built on in order to manage your exact product portfolio requirements.

We offer a range of comprehensive workplaces which provide all the tools needed for you to successfully manage your service package, allowing you to enjoy greater strategic control and visibility over your value chain.

Credit

Our credit card service package covers the entire credit card lifecycle management, providing financial institutions with everything they need to develop and manage multiple types of credit card programs to fit any customer need; from a simple charge card to a revolving credit card with complex business logic. Our baseline service package can be built on in order to manage your exact product portfolio requirements.

Product configuration options include:

  • Minimum payment calculation rules
  • Interest accrual rules
  • Commission and fee calculation
  • Usage limits and restrictions
  • Debt repayment and delinquency management rules
  • Statement configuration and distribution

Features include:

  • Flexible product configuration
  • Full product lifecycle management
  • Multi-institution and multi-currency support
  • Individual and corporate programs
  • Application processing and scoring engine
  • Loyalty and marketing campaigns
  • Real-time card and account management
  • Clearing and settlement
  • Comprehensive accounting engine

Prepaid

Our prepaid service package covers everything you need to run successful prepaid card programs. The service enables card issuance, product management, transaction switching and processing for all standard transaction types, and clearing and settlement file processing with International Payment Systems (Mastercard and Visa).

To cover the diversity and flexibility that prepaid products demand, multiple configuration options are available. Using our solution templates and hierarchy approach, we can configure numerous prepaid products; from a simple gift card to a multi-currency general purpose prepaid card with complex business logic. Prepaid card products can include one or several accounts, one or several cards, all associated fees and charges, and a set of limits and usage restrictions. Our baseline service package can be built on in order to manage your exact product portfolio requirements.

Product types include:

  • Open, semi-closed and closed loop
  • Reloadable and single use
  • Branded and private label
  • Personal and corporate
  • Single and multi-currency

Features include:

  • Flexible product configuration
  • Full product lifecycle management
  • Easy integration with perso bureaus
  • An authorisation platform for online and offline transactions
  • Clearing and settlement
  • GIFT – generate gift cards for any merchant
  • PAYROLL – prepaid cards for payroll
  • VIRTUAL – ties into the mobile wallet
  • LOYALTY –

TranzAxis Loyalty is a customisable solution for the implementation and management of diverse and innovative loyalty and rewards programs.

It enables issuers to implement and manage loyalty and reward programs that not only attract and retain customers but grow
bottom-line revenue.

The solution enables the integration of loyalty functionality to credit, debit and other commercial products. Issuers can design an unlimited number of loyalty programs and create different rules for bonus calculation and redemption, as well as numerous options for bonus expiration.

Various bonus ‘currencies’ are available (points, miles, etc.) and the ability to transfer and convert these currencies between loyalty  programs is fully supported. The currencies can be calculated in online
mode (per transaction) or offline mode (for transaction or event-based bonuses, for example birthday bonuses or ‘refer-a-friend’ campaigns).

TranzAxis Loyalty provides all the tools required for quick customer enrolment, bonus point calculation and redemption, clearing and settlement, and integration with third party systems. Comprehensive
reporting and analytical tools are also provided.

Instant Issuance

Our instant issuance service package is an comprehensive card personalisation and issuance service, which enables financial institutions and other card issuers to issue EMV and magstripe cards in-branch in a matter of minutes. The service not only provides an enhanced experience for the end customer but also offers reduced risk and costs for the issuer, helping them gain greater market agility whilst ensuring a return on their technology investment.

This service covers all aspects of card personalisation; from EMV and magstripe data preparation to personalisation and stock management. Our baseline service package can be built on in order to manage your exact product portfolio requirements.

Features include:

  • Provision of client API for integration with teller software
  • Personalisation equipment support
  • EMV cards support
  • Card design management
  • Stock management
  • Integration with built-in or external card management systems