Card Management System (CMS)

Card Management System is a bankcard back office solution, that serves both Aquirers and Issuers, and is typically used by banks and payment service providers.

Key functions and features

ISSUER

• Cards issuing
  • application: manual input or bulk file upload
  • issuance: automatic renewals and emergency replacements
• Plastic end-to-end management
• Market segmentation - account classes
• Fees administration (card, account, transaction, late fees)
• Billing
  • Repayment method
  • Billing/statement cycle
  • Minimum repayment amount
  • Due date and grace period
• Statementing
  • Debit card demo statement
  • Credit Card statement
  • Statement type flag
  • ASCII formats
• Loyalty sceemes

ACQUIRER

• Merchant management
  • Acquiring support
  • Merchant relationship management
  • Transaction processing
  • Account terms
  • Merchant services
  • Fraud control
• Merchant segmentation
• Products and accounts
• Interchange (Visa, Mastercard, MIR, Internal, Generic)
• Dispute management