Deliver Modern Payment Experiences
Enable interoperable, real-time payment processing across cards, accounts, digital channels, and national payment infrastructures
The SmartVista Payments Platform is a modular and integrated payments platform designed for banks, fintechs,processors, national payment infrastructures,, issuers and acquirers aiming to launch next-generation card programmes, expanding payment acceptance across every channel, introducing nation-wide instant payments or powering secure e-commerce payments for customers.
Modern Payments Products suite
Are you a bank, a processor, national switch or a fintech? Learn what SmartVista payment platform has to offer to power your real-time payments, processing, payment orchestration, issuing and e-commerce operations.
Trusted by customers
Learn why customers trust our technology and services. Learn about real life cases powered by SmartVista
Modern functionality and features
Learn what next-gen technology stays behind SmartVista digital banking suite.
- Over 400+ customers has modernised their payment rails with our technology
- Award Winning Platform
- Recognised by industry analysts Celent, QKS Group, Gartner, PayX, Forrester
- Trusted by tier-1 tier-2 banks, fintechs and SMEs
- Cloud nativeness
- Oracle and PostGre support
- Serverless architecture
- Horizontal scaling
- Large seamless migration expertise from legacy technological stacks
- Any scheme & card type issue and acceptance
- Payment Orchestration
- Tokenization
Future-proven technology to drive innovation.
Central Banks/National Payments Infrastructure
Process, authorise, switch and route transactions across domestic and itnernational payment networks with high interoperability and real-time processing capabilities. Our platform delivers end-to-end processing with full interoperability supporting ISO 20022, ISO 8583, and proprietary formats to integrate seamlessly with core systems, ATMs, digital banking, AML, fraud management, and national payment infrastructures while enabling omnichannel acceptance across ATM, POS, QR, mobile, and digital channels with scalable and high-volume transaction processing.
For Fintechs
Launch new payment propositions faster through API-driven payment services, rapid onboarding, embedded finance capabilities, and digtal payment acceptance solutions with support for SOFTPOS, digital wallet enrolment,, BNPL services, merchant omboarding and web-based merchant portals. Support multiple financial and non-financial payment services with configurable, fees, payment orchestration, and open API integations.
For Acquirers
Support merchant growth through powerful POS acquiring, SoftPOS, QR acceptance, and e-commerce payments. Manage merchant onboarding, lifecyle mangement, pricing,upgrade merchant settlements, and reconciliation processes. SmartVista helps acquirers manage the full merchant lifecycle across physical and digital channels and enhance the offering through merchant apps, self-service portals, ewallets, while open APIs and no-code integrations simplify onboarding and deployment of new payment services.
For Issuers
Launch and manage modern card programmes for debit, credit, prepaid, corproate, virtual, and multi-currenmcy products with configurable issuing and lifecycle management capabilites. including support emerging digital asset and CBDC initiatievs.. Our platform supports tokenization, digital wallets, Apple Pay, Samsung Pay, and Goole Pay provisioning, mobile and internet banking integration, and digital-first payment experiences, helping issuers bring secure digital-first offerings to market faster.
Simplify and modernise how people pay and get paid
Acquiring
SmartVista Acquiring solution supports POS, SoftPOS, QR, ATM, and e-commerce payment acceptance through a modular and integrated acquiring platform. Manage merchant onboarding, payment acceptance, settlements, reconciliation, pricing, and merchant servicing across physical and digital channels.
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Omnichannel payment orchestration
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Merchant self-service capabilities
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Multi-currency and DCC support
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Open APIs and configurable integrations
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International scheme and compliance support
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Scalable high-volume transaciton processing
Issuing
Launch and manage modern card programs through a modular and configurable issuing paltform supporting debit, credit, prepaid, corporate, virtual, and multi-curency products. . The platform supports physical and virtual card issuance, tokenization, digital wallet provisioning, and configurable lifecycle mangement capabilities. The platform’s customer profiling, smart reporting, and user-friendly dashboard make it easy to track, monitor, and report on every transaction and every customer, for automatic upgrade/uplift.
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Support for international and domestic payment scheme
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Instant and virtual card issuance
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Digital wallet provisioning and tokenization
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Configurable product and lifecycle mangement
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Integration with core banking and digital channels
- Support for emerging digital asset and CBDC initiatives
Switching
Build and modernize national payment switching and transaction processing infrastructure through a scalable and interoperable payment switching paltform. . Support transaciton switching across POA, ATM, QR, kiosk, mobile, digital banking, and real-time payment channels. . With SmartVista Switch from BPC, any issuer, acquirer and processor can manage the fast-moving payments landscape and deliver the best levels of service to their customers.
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Flexible Fee engine
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Real-time transaction switching and routing
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Payments Orchestration and interoperability
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ISO 20022 and ISO 8583 support
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Domesitc and international payment network connectivity
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Scalable-high volume transaciton processing
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Configuarble fee, routing, and authorization rules
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Omnichannel payment acceptance
- High avaialbilityt and resilient processing architecture
SoftPOS
Accepting payments was never as convenient as now, where your devices can turn into a full-service payment channel. Through SOFTPOS, empower your merchants to accept all contactless payment methods from contactless EMV® cards, NFC devices such as smartphones, smartwatches and tablets.
- No need for external terminal
- BNPL, NFC, QR, wallets, cash, cards acceptance
- Integrate easily with TPPs
- Advanced analytics and reporting
Mobile and Internet Banking
Bring banking to the last mile - without a branch. A full-featured banking app - ready to launch under your brand
White-label mobile and internet banking for retail customers, built on a single back-end.
- White-label UX with configurable branding - iOS, Android, Huawai and web from one codebase
- KYC onboarding with liveness detection and face matching - integrated with SumSub, INCODE, and others
- Full card and account management - limits, PIN, geo-restrictions, block/unblock, and virtual card issuance
- Personal finance management - spending categories, goals, budgets, and cash flow insights
- Carbon footprint tracker, split bills, and referral links - ready out of the box
- Segmentation and marketing tools - personalised offers and push notifications by customer group
Real Time Payments
Enable nation-wide instant payments with QR for your citizens and payers. SmartVista Instant Payments integrates rapidly and easily into any infrastructure. Benefit from a range of pre-configured online, offline, and near real-time options, with a system that integrates with core banking channels as well as other solutions.
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Nation-wide QR payments
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Request-to-Pay
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E-Mandates
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ISO 20022 support
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Online limits and fees calculation
E-Commerce
Handle online payments efficiently and securely. Get a complete solution, removing any dependence on third parties, or choose individual components to enhance an existing internet payment platform, with merchant third party services.
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Seamless integration with any loyalty system
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Tokenization of cards data
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Support of more than 15 CMS out of the box
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Full compliance
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P2P, mobile payments, transfer, split payment, recurring
Our success stories
BNI Indonesia
- Modernizing BNI’s card infrastructure was essential to ensure the bank remains fully prepared for the continued acceleration of Indonesia’s digital payments growth and the evolving oversight standards of the national payment system.
- This modernization equips BNI to accelerate digital innovation. The upgraded platform allows the bank to introduce new card products and digital capabilities more rapidly, supporting BNI’s ambition to drive the growth of Indonesia’s digital economy and continuously enhance customer experience.
- • Migration of 55 000 000 cards
- • 3 000 000 Transactions per day
- • Modern card programmes
- • Tokenization
- • Contactless payments
G-Cash
- As the Philippines moves toward a digital and cash-lite economy, with widespread super-app adoption, internet access reaching over two-thirds of the population, and MSMEs across the country rapidly adopting digital tools, GCash for Business set out to expand acceptance and payment choices for merchants of all sizes. The company selected BPC for its ability to meet the time-to-market plan, deliver a flexible, modular acquiring stack, and support a phased rollout aligned to all GCash milestones.
- • 6 mln Filippino businesses connected
- • Modern SOFTPOS solution deployed
- • Business Portal
GIM UEMOA
Regional Switch for 8 countries (Senegal, Ivory Coast, Togo, Benin, Mali, Niger, Burkina Fasso & Guinea-Bissau that was looking for modernisation to have more optimized control over its legacy technology and to provide new digital channels to increase the financial inclusion in the region.
• Multi-country modern card management
• Agent banking
• Multi-counrty mobile and digital banking
• E-commerce Gateway
• Instant Payments
• Enterprise grade Fraud Management
• 155 switched banks, 55 Hosted/Processed Banks
Bank of Africa
Bank of Africa Group is one of largest banking groups in western
Africa by market reach. The bank actively operates in 17 countries across Africa as well as in France, BPC’s SmartVista banking platform has been selected by Bank of Africa as a central solution to manage operations across 17 countries.
• Multi-country modern card management
• Multi-country mobile and digital banking
• ATM and POS Acquiring and Interoperable Switch
• E-commerce Gateway
• QR code Payments
• Over 4 000 000 accounts
UZCARD
- UZCARD, a nationwide processing center in Uzbekistan was looking for upgrading the system through replacement of legacy to a modern scalable solution to enhance its servicing and to reduce of cost of ownership
- • Acquiring
- • Modern card issuance
- • Agent banking
- • E-commerce Gateway
- • Fraud Management
- • 30 connected banks
- • 12 000 000 cards in circluation of SmartVista
- • 9 000 000 average transactions per day
HNB
- Hatton National Bank PLC (HNB), one of Sri Lanka’s premier private sector commercial banks, has expanded its digital payments offering by enabling its debit cards to be added to Google Wallet, leveraging BPC SmartVista. The rollout allows HNB customers to use their current debit cards for more convenient digital transactions, marking another step in the bank’s drive to make everyday banking and payments simpler, more accessible and more relevant to how Sri Lankans live and transact.
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• HNB debit cards can now be added to Google Wallet, enabling more convenient everyday digital payments for customers in-store, online and in apps
- • P2P Payments, QR Payments
- • Migration of 2.5 million cards to SmartVista platform
- • 39.4% increase in Transaction volumes in one year
- • The bank reports an 87.4% customer satisfaction score as it continues to strengthen the digital banking experience across Sri Lanka.
Banca Transilvania
Banca Transilvania, one of Romania’s most prominent financial institutions, selected BPC’s SmartVista to replace its legacy card management system and modernise its digital infrastructure. With a need to scale efficiently, the bank turned to BPC to support its rapid growth and strengthen its retail payments offering.
• Issuing
• Acquiring
• Fraud Management
• Over 7 200 000 cards in circulation on SmartVista
• Over 110 000 merchants served
• Over 40% national acquiring volumes share in the country reached
• EU Digital Identity Wallet
HSBC
HSBC is one of the world’s largest banking and financial services organisations, with more than 40 million customers across 60 countries. In 2017, HSBC decided to improve its branch operations across its several markets and opted for BPC SmartVista.
• Channel distribution improvement
• ATM Management
• Transition from legacy to international standards
• Transactional volumes increased
Credibanco
- Credibanco has positioned itself as the leading acquirer facilitating financial inclusion and business growth. It offers 100% digital solutions for low value payments, promoting the acceptance of both traditional and non-traditional means of payment. The company selected BPC’s SmartVista suite to deliver its payment innovation agenda.
- • A unified SaaS model
- • Fraud Prevention
- • E-commerce payments suite
- • Over 2 000 000 transactions processed
- • Tokenization
- • QR Payments
KLAP
- Klap, one of Chile’s fastest-growing acquiring networks. The customer wanted to upgrade its processing capabilities to international standards and be able to provide reliable swift acquiring services to its network.
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• A unified SaaS deployment
- • Acquiring and acceptance of international payment schemes
- • Real-time data analytics for merchants
- • Merchant Management
- • Over 40 000 merchants
- • Over 90 000 000 transactions per month
Driving Innovation, Delivering modern payment experiences for 500+ customers world-wide
IBBL, Bangladesh
"Since adopting SmartVista in January 2019, we have continuously evolved to meet the fast-changing demands of fintech. Our Zen-G customers expect seamless, app-first banking. With CellFin's virtual cards (supporting Mastercard, UPI, and Visa), mCash, iSmart, and Bangladesh's first UPI Host Card Emulation (HCE), we have delivered exactly that. SmartVista remains the reliable engine behind every innovation, helping us grow business volume while maintaining full compliance"
Mr. Rafiqul Islam
Head of Payment Technology Division | IBBPLC
EthSwitch
“Our goal is to provide simple, affordable, secure and efficient digital payment infrastructure to every retail payment provider and through them, to every Ethiopian. With SmartVista, we have built an interoperable nation-wide ecosystem for instant payments that is locally governed, future-ready and open to innovation. This launch is a point of pride for Ethiopia and a milestone for our financial sector.”
Abeneazer Wondwossen
Chief Portfolio Officer | EthSwitch
GoTyme
"Reaching 12 million customers in less than seven years underlines our belief that banking can be simple, affordable, and accessible to everyone. Choosing BPC at the start of this long journey was the right decision. BPC’s SmartVista platform and expert support from their team helped us launch fast, giving us the tools to issue debit cards instantly and to keep innovating. Together, we’ll continue delivering new, innovative payment tools and payment experiences for South Africans. Be it online, in-app, or at kiosks across the country.
Bruce Paveley
CTO | GoTyme Bank
TBI
"TBI bank app allows you to shop with no limits today without exhausting your budget for tomorrow. You can split any purchase into installments with just a few taps on the screen. Thanks to our partners from BPC we are able to deliver to our clients this incredible service and the smoothest user experience in euro denomination as well."
Vladimir Tsanev
Head of Mobile Lab | TBI Bank
DSK Bulgaria
"The transition to the euro is an important point for Bulgaria economy, for us and for our customers. We aimed this migration to be seamless, so access to Payments and access to Cash to be continued without interruption till very last moment of 31.12.2025 and from the first moments of the change over. In same time ATM Cash-in in old BGN currency available for 1 month more after euro introduction helped a lot to our branch network, redirecting customers to deposit the old currency remaining amounts at CDM machines. Our long-standing partnership with BPC has been instrumental in achieving this outcome with confidence."
Vasil Dimitrov
Program director “Euro adoption” | DSK Bank
Dojo
Partnering with BPC enabled us to scale our UK operations, improving the speed of payments and enhancing the consumer experience. We now service over 100,000 customers utilising BPC’s next-generation payment technology, supporting international payment schemes and integrating with over 200,000 card machines"
Nick Fryer
CTO | Dojo tech
G-Cash
“We always work to provide meaningful digital finance solutions that empower people, organizations, and the nation. With BPC’s SmartVista acquiring platform, we can stand up to our promise and provide modern payment acceptance. This product democratizes access to digital payment portals, which can often be intimidating for MSMEs.”
Jong Layug
G-Xchange, Inc. General Manager | GCash for Business
ACLEDA
"We sought a technology that could ensure high availability, address local market nuances, and enable us to innovate quickly. Partnering with BPC and implementing SmartVista delivered all of these and more. Over the years, we’ve expanded our card offerings, introduced virtual teller machines, and scaled our ATM and POS networks. Our relationship with BPC is rooted in trust, and we look forward to continuing this journey of modernising Cambodia’s financial sector together.
Mach Terry
Senior Executive Vice President and Group Chief Information Officer | ACLEDA Bank Plc
PVCOM
"Over the past decade, BPC has proven to be a truly reliable partner for us at PVcomBank. Migrating from our legacy system to SmartVista was not just a technological shift, but a strategic move to ensure we remain agile and competitive well into the future. The results speak for themselves with our transactional and card business lines growing ever since. This future-ready platform has enabled us to innovate rapidly, expand our card offerings, and uphold the highest security standards—all of which translate into more convenient, faster services for our customers. We look forward to further strengthening this partnership, confident that with BPC's support, PVcomBank will remain at the forefront of shaping the future of Vietnam’s banking industry"
Ms. Nguyen Thuy Hanh
Director of Retail Banking Division | PVcomBank
Bancoppel
This strategic partnership helps us deliver on what matters most: simple, affordable banking for more Mexicans. With this modernization, we will be able to reach new customers across both our retail and banking channels, introducing innovative credit card programs. It represents a significant step toward expanding access through our nationwide network, improving everyday financial experiences, and advancing financial adoption and inclusion across the country. We value this collaboration and look forward to building what comes next together.”
Sergio del Valle
Head of Products | BanCoppel
Coonecta
“Together with BPC, we are delivering a transformation that strengthens our mission to empower the cooperative movement and the people we serve. The partnership provided as modern technological tools to scale inclusive digital financial services from a single, intelligent core — with real and lasting impact.”
Ramiro Baldeón
CEO | COONECTA
KLAP
"This go-live represents a major step in our platform strategy. Visa and Mastercard acquiring is now fully integrated into a modern, flexible architecture of BPC’s, which allows us to operate at scale and respond quickly to our merchants’ needs. It’s not just about volume; it’s about laying the groundwork for long-term innovation"
Rafael Osorio
Chief Technology and Operations Officer | KLAP
Key Features
Platform Architecture and Technology
| Platform Features | Database | Architecture | Performance |
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Unified and modular payments platform Low-code configuration capabilities Unified payment architecture Open standards suppor Unified data model Multi- Institution, -Tenant, -Bank, -Currency Flexible deployment models; SaaS, Managed services, Dedicated deployment, On-premise, Hybrid deployment Auto-deployment capabilities Financial Accounting Hub / CMS-level GL accounting |
Enterprise-grade realtional database support High availability and resilient database architecture Distributed and scalable database deployment Database sharding and replication support High-volume tarnsaction data processing Cloud-native and hybrid deployment support Enterprise-grade backup and failover capabiliteis Optimized database performance for payment processing |
Horizontal and elastic scalability Service-oriented architecture Microservice based architecture Cloud-native platform design Containerized deployment model High-volume transaction processing High-availability and resilient processing design Hybrid cloud deployment readiness OpenShift and Kubernets support |
Low-latency real-time transaciton processing Scalable high-volunme payment processing Peak-load optimization capabiliteis High availability and fail-over support Resilient transaciton processing architecture Configurable routing and authorization logic Real-time clearing and settlement processing Support for card and non-card payment flows Enterprise-scale tranasciton orchestration Optimized processing for digital and isntant paytments |
Payments Processing capabilities
| Payment Rails Processing | Payment Types and Flows | Operational Processing |
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ACH and batch payments RTGS and high-value payments Real-time and Instant payments Cross-border payment processing Domestic payment processing Interbank payment processing Pre-clearing and post-clearing processin Non-card payment accounting operations Direct debit and recurring payment support Integrated financial posting and accounting support ISO 20022 and interoperable payment messaging |
Retail payments Wholesale payments Bulk payments Real-time payments Multi-currency payments Multi-party payment flows |
Real-time Clearing and settlement processing Financial posting and accountin Reconciliation management Liquidity and balance monitoring Intraday transaction visibility Operational payment monitoring
Payment orchestartion support |
Payment Orchestration capabilities
| Orchestration | Flow management | Routing | Visibility and control |
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Payment orchestration Transaction orchestration Business transaction builder Bill-splitting, auto top-up, and funding-source selection logic Unified orchestration layer across cards, wallets, A2A, QR, and fast-payment rails Channel reservation and scaling logic under high-load conditions |
Multi-step flow orchestration Multi-party flow orchestration Configurable orchestration logic Workflow orchestration Exception orchestration AI-powered route optimization BPMN-based orchestration for complex payment workflows |
Dynamic routing Rule-based routing Fee calculation logic Settlement logic CBDC-aware routing for hybrid fiat / digital-currency balances Transaction enrichment and augmentation before approval or routing |
End-to-end transaction monitoring Transaction state visibility Centralized monitoring Operational control layer Real-time operational visibility |
Switching and authorisation
| Switching | Authorisation | Routing | Connectivity |
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Real-time payment switching Transaction and scheme switching Low-latency transaction processing Unified issuer-acquirer switching Stand-in authorization support Built-in whitelisting and blacklisting controls High-volume transaction processing Resilient transaction processing architecture Real-time observability dashboards for capacity monitoring |
Real-time authorization processing Real-time tranasciton monitoring Authorization controls and monitoring Store-and-Forward processing Real-time velocity and fraud checks Scalable authorization processing support
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Real-time tranasction routing Domestic and cross-network routing BIN-based tranasciton routing Configurable Routing rules engine Payment message validation Payment orchestration suppor Business rule validation Pre-transaction validation Post-authorization processing control Scheme-based fallback routing Support for regional payment routing |
Scheme connectivity Network connectivity Host-to-host integration API-based connectivity Integration with domestic and international payment networks External payment ecosystem interoperability ISO 20022 and ISO 8583 messaging support |
AI-Enablement
| AI-enabled | AI and ML for Fraud Management | Customer intelligence | Conversational AI |
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Artificial intelligence capabilities Machine learning capabilities AI-driven operational intelligence AI-assisted analytics Agentic AI architecture for task planning and knowledge retrieval LLM orchestration for dispute handling, KYC support, and compliance assistance Adaptive learning that updates customer, device, and merchant profiles transaction by transaction RAG-based auto-triage for support cases LLM-based document summarization and retrieval for back-office teams |
ML-based fraud scoring Transformer-based models Dual scoring strategies Explainable AI Model lifecycle governance Model versioning Controlled model updates Separation of training and scoring No-code ML service for model building, scoring, and rule generation |
AI-based personal financial management Forecasting and financial behavior insights Context-aware recommendations Content personalization Adaptive content targeting Predictive insights Predictive liquidity insights Governance-aligned AI deployment GPT-powered cardholder self-service assistant |
Chatbot support Live chat assistance Conversational AI Intelligent user interaction flows Contextual response generation Voice-to-intent assistants for contact-centre scenarios |
Integrational Capabilities
| Integration platform | API layers | Transformation and mapping | Enterprise and ecosystem connectivity |
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Integration platform Embedded interoperability XML support JSON support ISO 20022 support ISO 8583 support BIN-based data structures Transport extensibility Channel extensibility Micro-gateway SmartVista OpenAPI 3.0 with unified Card Control API Self-service SDKs and testing tools for partner onboarding Compatibility with Mulesoft, TIBCO, Kafka, IBM MQ, Artemis MQ, and RabbitMQ Partner event bus for asynchronous messaging, alerts, and telemetry Real-time AML / KYC alerts API for downstream systems and partners CBDC integration toolkit inside SVIP, including ISO 20022 translation and dual-balance handling |
API integration OpenAPI interfaces OpenAPI standardization API lifecycle governance API versioning Developer portal Swagger-based documentation Usage monitoring for APIs Public sandbox for third-party testing and integration Centralized Integration Hub for APIs, webhooks, and message queues API marketplace for partner and fintech ecosystem enablement |
Protocol transformation Message mapping Data transformation engine Internal APIs Containerized adapters for domestic schemes, personalization bureaus, and EMV vendors |
Host-to-host integration Core banking integration ERP integration CRM integration AML engine integration Fraud system integration Merchant platform integration Fintech integration Third-party service integration National payment network integration International payment network integration Pre-built adapters for core platforms such as T24 and Flexcube |
Payment Enablement and Acceptance
| Digital payment enablement | Consumer payment experiences | Payment products | Merchant enablement |
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Payment modernization API-led payments Instant payment services Account-to-account payments eCommerce payments In-store payments Mobile commerce Self-service kiosk payments Omnichannel acceptance Wearable payment support Multi-wallet support across open-loop, closed-loop, and co-branded models Support for regional wallets Purchase-to-instalment conversion at point of need White-label wallet SDKs with native wallet-like behaviour Offline QR orchestration for schemes such as DuitNow QR and SGQR Government and social-disbursement wallet programs Transport and mobility wallet / ticketing support via O-CITY |
Digital wallet integration Mobile payments QR payments NFC payments Tap-to-Phone/SOFTPOS Alias-based payments Email-based payments Direct debit, e-Mandate, and auto-payment journeys |
Recurring payments Bill payments Biller onboarding BNPL Installments E-Mandates Deferred payments Consumer transfers Corporate payouts Alternative payments Private label payments Crypto payment support |
Merchant acceptance Wallet and mobile journey support Tap-to-Phone merchant acceptance Issuer / acquirer / merchant settlement visibility |
Merchant Management and Merchant Acquiring
| Merchant management | Merchant acquiring | Merchant financial operations | Merchant analytics and ecosystem |
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Merchant management Merchant onboarding Merchant lifecycle support Merchant profiling Merchant dashboards Merchant reporting Biller aggregation and payment facilitation for utilities, telcos, schools, and government entities Merchant apps Merchant Portal |
Merchant acquiring Merchant acceptance Acquirer support Acquirer reconciliation visibility PayFac-oriented enablement for new acquiring models |
Merchant settlement Merchant fee and pricing management calculation Merchant commissions Multi-party merchant splits Basic MSC and Interchange +/++ Merchant-funded loyalty and rewards models Real-time earn-and-redeem at POS and eCommerce checkout Merchant & SME portal enhancements with QR / NFC acceptance support |
Merchant acceptance (all payment methods) Wallet and mobile journey support Merchant channel enablement (POS, SOFTPOS, Web) Coalition loyalty across multiple brands and ecosystem partners Partner-level settlement, fee, rewards, and revenue-share reporting |
Issuing
| Issuing and program types | Lifecycle management |
Tokenisation and product configuration |
Customer fraud prevention and intelligence |
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Debit, credit, prepaid, corporate, loyalty, BNPL, co-branded, and enbedded cards Digital and instant card issuanc In-app card provisioning Token-only card issuanc Single-use card issuance QR-linked card issuance Virtual card issuance Multi-currency card programs Cross-border card programs Hybrid fiat and digital-currency cards Cards linked to CBDC wallets Multil-balance payment products |
End-to-end card lifecylcle management PIN lifecycle and mangement Card replacement workflows Lost and stolen card handling Hotlisting Card activation and deactivation Freeze and unfreeze controls Card controls and self-service management Real-time card status management |
Configurable product management BIN configuration and BIN-group expansion Product-rule configuration Customer-level overrides Dynamic product hierarch Token lifecycle management Token device management and visibility Token revocation from lost devices Digital wallet token provisioning Apple Pay / Google Pay / Samsung Pay provisioning Visa Token Service / Mastercard MDES integration for issuers Numberless card readiness |
Real-time KYC-linked onboarding Credit decisioning support Behavioral upgrade / downgrade logic f Linked wallet and account-based payment products Centralized issuance model support Decentralized issuance model support Partner-driven issuance model support White-label issuer support Issuer processing for fintechs and digital banks Shariah-compliant workflows for Islamic banking card products Embedded finance issuer enablement |
Reporting and Dashboards capabilities
| Compliance and regulatory reporting | Operational reporting | Dashboards and performance reporting | Reporting framework |
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Compliance reporting Regulatory reporting Scheme reporting Central bank reporting Supervisory reporting Jurisdiction-specific reports BIN-level statistics and cohort analysis AI-generated dashboard summaries for fraud, disputes, and operations Workflow audit-trail visualization |
Operational reporting Fraud reporting Settlement reporting Reconciliation reporting Transaction activity reports Operational action reports System usage reports Customer profitability and Customer 360 reporting widgets Partner-facing analytics for white-label BIN managers Campaign dashboards with A/B testing and performance tracking |
Reporting dashboards Reconciliation dashboards Settlement dashboards KPI reports Performance reports Real-time compliance dashboard with filters, charts, and visual indicators Business-user report configurator for custom report design and scheduling Real-time streaming analytics for 10k+ TPS event volumes Digital statements and spend summaries |
Configurable reports Historical reporting Exportable reports Reporting scalability Asynchronous logging for reporting reliability |
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Flexible deployment, your choice
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Modernise. Innovate. Simplify.
with BPC SmartVista
Drive Innovation and Deliver modern digital experiences to your customers