GEMCARDS - Credit/Debit/Prepaid Card Management System

Card Suites

Simplifying Issuance, Empowering Processing

Gemcards is a CMS platform offering end to end card lifecyle management for Credit, Debit and Prepaid flavours. It empowers Banks, FinTechs and Third Party Processors to manage all their card issuances and processing needs.It also offers the 360 view of customer portfolio, enabling issuers and acquirers to take complete ownership of end to end card lifecycle management.

Card lifecycle management for credit, debit and prepaid cards

Unified platform for issuance of credit, debit and prepaid cards

Supports EMV cards, magstripe and NFC cards both virtual and physical

Multi-currency travel cards with currency hierarchy Just in time funding

Prepaid

Supports end-to-end card lifecycle management for prepaid card issuance. It is designed to cater to offerings such as multi-currency general purpose reloadable prepaid cards, gift cards, payroll cards etc.

Customer Management
Product Management
Multi-Scheme support
Multi-Currency/ Multi Wallet Support
Card Generation – Personalized / Stock
Support EMV, Magnetic Strip and Virtual Card issuance.
Configurable Fee, Limits, Alerts and Mailers
Extensive reports and MIS
Comprehensive CRM module for customer servicing
PCI-S3 compliant
Easy Integration with existing systems

Debit

Covers the entire spectrum of debit card lifecycle management. It is designed to be integrated with the core banking application for ease of issuance and for balance validation.

Customer Management
Product Management
Multi-Scheme support
Multi-Currency Support
Card Generation – Personalized / Stock
Support EMV, Magnetic Strip and Virtual Card issuance.
Configurable Fee, Limits, Alerts and Mailers
Extensive reports and MIS
Comprehensive CRM module for customer servicing
PCI-S3 compliant
Easy Integration with existing systems

Credit

Offers seamless end-to-end credit card lifecycle management of credit card issuance.

Configurable application processing and scoring
Credit management
Account and Product Management
Configurable APR, Delinquency, refinance and EMI management
Multi-Scheme Support
Multi-Currency Support
Support EMV and Magnetic Strip Cards and Welcome Kit generation
Configurable Minimum amount, Billing Cycles, Fee, Limits, Alerts and Mailers
Extensive reports and MIS
Comprehensive CRM module for customer servicing
PCI-S3 compliant
Easy Integration with existing systems

Corporate

Supports end-to-end card life cycle management of corporate / commercial card issuance. It is designed to cater to both Corporate Prepaid Card and Corporate Credit Card issuance.

Corporate Management
Scoring and limit assignment
Account and Product Management
Configurable APR, Delinquency, refinance and EMI management
Multi-Scheme Support
Multi-Currency/ Multi Wallet Support
Support EMV and Magnetic Strip Cards and Welcome Kit generation
Configurable Minimum amount, Billing Cycles, Fee, MCC Limits, Alerts and Mailers
Extensive reports and MIS
Comprehensive CRM module for corporate servicing
PCI-S3 compliant
Easy Integration with existing systems

Private Label

Supports end-to-end card life cycle management of Private label card issuance. It is designed to cater to handle both open loop and close loop private label cards.

Customer Management
Product Management
Merchant/ Terminal Management
Multi-Scheme support
Multi-Currency/ Multi Wallet Support
Card Generation – Personalized / Stock
Support EMV, Magnetic Strip and Virtual Card issuance.
Configurable Fee, Limits, Alerts and Mailers
Extensive reports and MIS
Comprehensive CRM module for customer servicing
PCI-S3 compliant
Easy Integration with existing systems

Plugin Services

CLEARING AND DISPUTE MANAGEMENT

Helps to manage clearing and end-to-end dispute management needs. When integrated with the cards management system the clearing and dispute management system will provide you with one view of the entire transaction lifecycle in a single powerful platform.

ACCESS CONTROL SERVER

Customized to meet authentication and verification requirements. It can be integrated with customer management and authorization platforms to provide enterprise access control.

CUSTOMER SELF SERVICE PORTAL

Gives end customers a powerful frontend which provides real-time information about their card account such as balances, transactions, payments, limits, account history, and financial charges.

FRAUD MANAGEMENT

Supports both online and offline fraud monitoring with a rule-based risk engine which detects and prevents / notifies fraudulent transactions.

LOYALTY MANAGEMENT

Supports a diverse range of loyalty and rewards programs for customers across various business segments. As a standalone application it’s very impressive, when integrated with the cards management system you can manage your card issuance and loyalty management in a single powerful platform

CUSTOMER RECON SYSTEM

Standalone system for maintaining limits and monitoring Velocity checks for customers across multiple card management systems.

ISSUER SWITCH

Transaction Authorization and Switch System to handle authorization from POS, ATM & Ecommerce (Secured and Non-Secured transactions) with DMS & SMS transaction type and interface with external card schemes (Rupay, Visa & MasterCard), hardware security module and host systems.

Platform Components

Prepaid / Debit / Credit Card Management System
Loyalty Management System
Risk Management System
Clearing and Settlement System
Switch Management System
Access Control Server

Key Features

Rich Retail Product Feature clubbed with Bank Card functionality
Safe and Secure
Simplified Operations
User-friendly system interface
Compatible with all popular schemes
Multi-Country, Multi-Currency, Multi-Lingual & Multi-timezone
Highly versatile & Flexible
Enhanced Customer Service
Scalable to handle high volumes.

Contact

Thank you for your interest in GEMCARDS. Please submit the following information and we shall get back to you.

Our Address

GEMINI Software Solutions Pvt. Ltd.
414-415, Nila, Technopark Campus
Trivandrum, Kerala, INDIA 695581

5th Floor, 'A' Wing, Technocity Plot No. X-4/1 & 4/2
Mahape, Navi Mumbai, INDIA 400 701

Email Us

contact@geminisoftware.com

info@geminisoftware.com

Call Us

+91 471 460 9555
+91 22 4971 7223

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GEMCARDS - Card Management Suite

Simplifying Issuance, Empowering Processing

Card Suites