Expertise
Card Payment Processing
Card payments specialists for banks and processors. End-to-end coverage of issuing, acquiring, tokenisation, authorisation, clearing, settlement, and disputes.
Card payment processing is one of the deepest technical disciplines in banking. The platforms that run it — OpenWay Way4, ACI Base24, TSYS Prime, TietoEvry Card Suite, BPC SmartVista, Compass Plus TranzWare — are decade-spanning systems with their own architectures, scheme certification cycles, and operational rhythms. Generalist consultants do not deliver on them; specialists do. We are certified on OpenWay Way4, have shipped production work on ACI Base24 and TSYS Prime, and mobilise platform specialists for the rest of the major processing stack through our extended network. Our team covers the full card payments lifecycle: issuing, acquiring, authorisation, clearing, settlement, disputes, and scheme certification.
What we build
Card issuing
Programme implementation for debit, credit, prepaid, and corporate cards — both virtual and physical. We configure issuer host parameters, manage BIN setup and scheme registration, build the cardholder data and account-link models, and integrate with personalisation bureaus and embossing partners. Suitable for institutions launching new card programmes or modernising legacy issuing portfolios.
Card acquiring
End-to-end acquiring for POS, eCommerce, in-app, and unattended channels. We integrate with merchant acquirers, configure terminal estates, build merchant onboarding and risk workflows, and implement the eCommerce gateway layer with 3DS, tokenisation, and dispute integration. Built for high-volume acquirers and for banks running merchant services as a line of business.
Authorisation and switching
Real-time authorisation flows tuned for low latency and high availability — the requirements that define whether a processor stays in business. We configure OpenWay, Base24, or Prime authorisation rules, build the switching layer to schemes (Visa, Mastercard, UnionPay), and instrument the latency and approval-rate observability that operations teams need to spot problems before customers do.
Clearing and settlement
Daily clearing file processing, scheme reconciliation, member-bank settlement, and the long tail of fee, interchange, and chargeback adjustments that make this the operationally hardest part of processing. We build the pipelines and reconciliation rules so the books balance every morning without manual intervention.
Disputes and chargebacks
Implementation of scheme-compliant dispute workflows under the latest Visa Claims Resolution and Mastercard Dispute Resolution rules. Includes representment automation, chargeback reason-code routing, evidence packaging, and integration with case management. Designed for processors who measure success in dispute win rates, not just ticket throughput.
Tokenisation, 3DS, and fraud prevention
Network tokenisation (Visa Token Service, Mastercard Digital Enablement Service), EMV 3DS implementation, and integration with fraud platforms for real-time decisioning. We reduce PCI DSS scope through proper tokenisation architecture and design fraud signals that actually shift approval rates without lifting false-positive declines.
Why processors and banks work with us on card payments
Certified OpenWay Way4 specialists
We hold OpenWay certification on Way4. That means our team has been through the vendor's formal qualification programme and we deliver work that meets OpenWay's own standards for configuration, deployment, and operation. For institutions running Way4 — whether for issuing, acquiring, switching, or all three — this is the difference between a consultancy that has read the documentation and one that has been tested against it.
Production experience on Base24 and TSYS Prime
We have shipped production work on ACI Base24 and TSYS Prime — two of the most widely deployed processing platforms globally. Our engineers know how these systems behave in production, where their integration points are, and the operational quirks that come with each. Practical delivery experience, not slideware familiarity.
Specialist coverage across the wider platform landscape
For mandates on TietoEvry Card Suite, BPC SmartVista, and Compass Plus TranzWare, we mobilise platform specialists through our extended network of certified engineers — typically with short notice and full coverage of the relevant scheme certification, integration, and operational standards. The same engineering discipline applies regardless of platform.
Scheme rules and certification expertise
Card payments lives or dies by scheme compliance. We have run Visa and Mastercard certification programmes end-to-end — test plan preparation, test-script execution, defect triage, sign-off — including the rule changes that arrive every six months and force re-certification. Our work passes scheme audit without remediation programmes.
Migration without losing the volume
Migrating between processing platforms — or consolidating after an acquisition — is one of the highest-risk programmes in banking. We design migration with parallel-running, BIN-by-BIN cutover where possible, and explicit rollback paths. Volume keeps flowing; reconciliation stays clean.
Integrated with the broader bank stack
Card processing does not run in isolation. We have hands-on experience integrating it with core banking, AML platforms, fraud platforms, customer-service tools, data warehouses, and the regulatory reporting layer — including the awkward edge cases around late authorisations, reversals, force-posts, and value-date adjustments that less experienced teams routinely get wrong.
Related Services
Solution Design
Technical architecture for regulated financial institutions — the bridge between strategy and implementation. Integration architecture, data design, security and compliance built in, and non-functional requirements specified to the level engineering can actually build from. Vendor-neutral across the platform stack; senior architects with hands-on production experience.
Custom Rust Development
Rust development for the integration layer of banks and fintechs — ISO 8583 and ISO 20022 message processing, payment routing, and the components where memory safety and predictable performance map directly to operational concerns. A focused capability for the parts of the banking stack where Rust earns its place.
Team Extension
Senior banking specialists embedded into your delivery team — card payments, core banking, credit risk, database engineering, and Rust development. Engagements structured as business-to-business Statements of Work; production experience on the platforms you actually run. Typical engagements six to eighteen months.
Work with our Card Payment Processing specialists
Get in touch to discuss your requirements.
Contact us