Issue cards your customers reach for, without a separate processor stack.
Debit, credit, prepaid, virtual. Ledger-native cards, fully integrated with your accounts, your risk engine and your customer controls, so the card experience your customer has is connected to the banking relationship you're building, not bolted on from a separate system.
One core. Every card programme.
Card programmes that are bolted onto a core banking system through a middleware layer create a specific set of problems. The card balance and the account balance live in different systems and have to be reconciled. Fraud checks run in the card processor, but the customer's risk profile lives in the core. The customer's mobile app shows card transactions separately from account transactions. And every change to the card product requires coordination between two vendor relationships.
Oradian's cards module is ledger-native, card transactions post directly to the same real-time general ledger as every other transaction type. The card balance is the account balance. Fraud checks run against the full customer risk profile, not just the card transaction history. And the customer's complete financial picture, cards, loans, deposits, payments, is in one place.
The card experience your customers expect, on the core that runs your bank.
All form factors from one issuance flow
Physical debit cards, virtual cards for online payments, single-use virtual cards, prepaid cards, multi-currency cards, all issued through the same platform, with the same controls, posting to the same ledger. Adding a new card type does not require a new integration or a new processor relationship.
Wallet-ready
Apple Pay and Google Pay provisioning built into the customer journey. Customers can add their card to their device wallet from within your app without a separate process or integration. As digital wallet adoption grows in our markets, this is a baseline expectation rather than a differentiator.
Granular customer controls
Customers freeze and unfreeze their card, set spending limits by merchant category, restrict usage by channel (online, POS, ATM) and set geography-based restrictions, from within your app, in real time, without contacting support. Controls update immediately in the authorisation engine.
Programme manager flexibility
Launch new BIN ranges, new card products and new programme structures without re-platforming. Configure card programmes through the parameterisation layer, product rules, limit structures, fee schedules and eligibility criteria, without custom development.
Scheme agnostic
Visa, Mastercard and local card schemes are supported through Oradian's processor integrations. The platform does not lock you into a single scheme or a single processor relationship. As your programme grows or new options emerge, you add or change without re-architecting.
Real-time authorisations with inline risk
Card authorisations process in real time, with fraud detection and limit checks running inline, before approval, not after. AI fraud models that monitor for unusual patterns across the customer's full transaction history run at the point of authorisation.
Issue cards your customers actually want to use.
Physical and virtual cards with full ledger, authorisation and dispute control. End-to-end on one core.
See cards in action