API integration for full flexibility
Our powerful digital-first APIs support your IVR, internet and mobile banking services for a better customer experience:
- Feature-rich APIs give you the ability to deliver first-rate customer service with best-in-class fraud, risk, loyalty and filtering mechanisms
- Enable card activation, account opening, prepaid card top-ups, virtual card issuing, bill payment and more
- Benefit from the best technology and features available together with fast, simple integration, industry-leading security, and unrivalled flexibility.
Instant issuance
Issue, print and activate new or replacement cards on the spot. Give your customers instant access to their money, increase activation rates, improve customer relationships, and enable cross-sell opportunities.
Benefits for issuer banks
- Attract new card holders
- Enhance existing customer loyalty
- Increase activation rates and card usage
- Instant card holder PIN selection
- Reduce the paper trail
- Decrease distribution costs
- Instantly issue replacement cards
- Ensure secure data transfer
- Reduce number of cards lost/ stolen in the mail
- Optimise overall issuing costs
Instalment plans for added flexibility
Give your consumers the freedom to pay their way. Our customisable payment instalment options and EPPs (extended payment plans) at point of sale, online or post-transaction, give your consumers the ability to spread some or all of their payment over time for better budget control.
Benefits for banks:
- Increased card engagement due to instalment offers
- Additional lending revenue streams unlocked
Benefits for cardholders:
- Ability to extend purchases over regular instalments
- Transparent borrowing costs
Instant notifications
Help your customers keep on top of their payments with instant alerts as they spend. Enable them to set their own parameters, from international payments to online payments or payments above a specific value.
Notifications via SMS, email or as push notifications
- Authorisation
- Pin change
- Activation
- Reminder to settle credit card dues
- Notification to collect cards upon renewal
- Bulk SMS for prompting a new product
- The platform enables you to create further notificationsfor the events your customers want
Digital Pin creation
Enable your cardholders to set their PIN number through internet or mobile banking, IVR system, on the ATM, in-branch, POS or pin pad.
Benefits for banks
- Save the cost of printing PIN mailers
- Save time and effort
- Secured and user friendly
- Avoid security issues when sending the PINs through couriers
- Comply with scheme security regulations
- Cost effective by reducing number of declined ‘wrong PIN’ transactions
Benefits for cardholders
- Convenience – cardholders create their own ‘easy to remember’ PIN
- Saves time – cardholders can request to reset their PIN and regenerate it immediately on the ATM without waiting for a printed mailer
- More secure – no one will have access to the PIN until its created by the cardholder themself
E-statements
Give your customers full visibility of their transactions with e-statements via email, mobile banking app or paper should they want to print them.
E-statements enable banks to eliminate the cost and effort of sending monthly statements by emailing them directly to the cardholder.
- Statement email will be sent according to saved customers emails
- Sender of statement emails will be the bank holder address
- Supports different languages according to banks request
- All sensitive data will be masked
- The e-statement can be password protected
- e-news: send regular information, flyers and brochures to your entire customer base
Build your own loyalty and rewards scheme
We can help you design and implement your own bespoke loyalty scheme, allowing you to build propositions to reward the cosnumer behaviour you want. Our flexible API’s enable you to manage accounts in real time and use data driven analytics to target offers to suit customers needs.
Key features
- Unlimited number of loyalty programs
- Advanced rules for bonus calculation and redemption
- Ability to set limits for bonus accrual
- Unlimited number of bonus ‘currencies’
- Multiple reward types supported
- Bonus transfer and conversion between programs
- Clearing and settlement of loyalty programs
- Integration with external systems
- Comprehensive reports and analytics
