Card & token management

Enrich customer experience with our end-to-end, modern issuing solution

Our solution provides issuers of any size – from tier 1 banks to Fintech start-ups – with the flexibility to bring new products to market in as little as a matter of hours, retain and grow their customer base, increase market share and maximise revenue potential.

Card & token lifecycle management

Our TranzAxis issuing solution is created with tokenisation in mind. You can design, launch and manage all of your card product portfolios and tokenise payment credentials with ease on one platform. Whether you are launching consumer or corporate cards, or alternative payment instruments, from the xPays to BNPL, our solution will enable you to introduce any payment method imaginable, including those not yet imagined.

Products are organised in hierarchical structures with unlimited layers. New products can be created based on existing ones by inheriting and subsequently extending, restricting and/or redefining their parameters. This approach enables you to create products within minutes and be production ready within days.

Fees, commissions & pricing

With the TranzAxis issuing solution, there is no limit to your pricing strategy. We offer unparalleled tools for setting up and managing complex fee structures, ensuring you can price competitively for each of your market segments and ultimately enhance revenue streams by tapping into micro-segments. Fees, commissions and tariffs can be fixed, variable, mixed, or calculated based on user-defined algorithms for both transactions and services. Our inheritance tools enable prices to be set up and adjusted in a matter of minutes - quickly, easily and with complete vendor independence.

Risk & fraud management

Using multiple layers of prevention and detection, our TranzAxis issuing solution enables you to be proactive in protecting your business and your customers against malicious attacks and respond quickly to new fraud schemes. Our solution has an extensive library of off-the-shelf risk rules, including those to ensure you are compliant with international payment networks and other regulatory bodies at all times. You can tailor your risk rules to suit your business requirements by adapting the existing rules or by using our advanced customisation capabilities to develop your own.  This flexible approach will help you to reduce fraud losses and the cost of chargebacks and dispute management without compromising customer experience.

Switching & clearing

TranzAxis supports and facilitates the dynamic switching and authorisation of all transaction types. Our robust and scalable solution enables seamless and secure payments made across multiple channels with proven fault-tolerance and reliability.

TranzAxis supports all major international payment networks, as well as various regional, national, and local networks. Its advanced configuration and customisation capabilities gives you the ability to create responsive rules and connect to any third-party payment network, or even build your own on a national or cross-border scale.

TranzAxis simplifies the clearing and settlement process with payment networks by automating a large number of interchange functions, such as fee calculation and processing, reconciliation and report generation, which increases productivity and reduces costs.

Loyalty & rewards

With TranzAxis you can rapidly create and manage an unlimited number of modern, diverse and innovative loyalty and rewards programs that can help you attract and retain customers. The flexible nature of the solution enables you to grow your bottom-line revenue by choosing to reward your customers for the specific behaviours you want to encourage, such as signing up for more products and services, increased spending, referrals, renewals, responsible banking habits – the list is endless. You can even spin up and spin down programs quickly in line with marketing campaigns or new product launches. Tailor your loyalty programs for different customer segments using partner reward programs, cashback options, bonus point redemption, exclusive memberships with high-end benefits, or even sweepstakes to boost customer relationships. Our extensive APIs allow easy integration with any system, enabling you to take advantage of lucrative loyalty programs with partners.

Instant issuance

Our solution supports the instant issuance of ready-to-use physical and virtual cards in-branch, via a self-service kiosk, at an agent branch or in-app provisioning (for virtual cards). Not only does it provide an exclusive customer experience, as the customer no longer needs to wait to receive their card or PIN, but it offers reduced risk and costs, increases activation rates, card use and loyalty.

Multi-X management

Our TranzAxis issuing solution offers unlimited capabilities for multi-currency, multi-product, multi-institution and multi-language across our entire platform. Take control of the customer relationship by managing all of your product portfolios across multiple geographies with a single view.

APIs & integration

In the age of connectivity and integration, TranzAxis was designed with world-class integration capabilities in its DNA. Our API-first platform supports hundreds of transactions with unlimited variations of information stored within them, enabling you to automate and accelerate processes, increase efficiency, and create tailored and enriched consumer experiences.

What makes us different

Advanced customisation
Create products and services that meet your unique requirements, limited only by your imagination, not by your vendor
Speed to market
Respond quickly to market changes and customer demands, and enjoy all the advantages of being a market leader
Customer experience
Stay relevant by offering true omni-channel customer journeys and creating tailored value-adds
One unified platform
Manage your entire payments business on a single, award-winning, third-generation platform, designed with innovation at its core

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