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BPC | Solution

Future-Ready Banking starts here

All-in-One next generation platform from card programs to digital banking and e-wallets

BPC empowers banks and financial institutions worldwide with modular, cloud-native solutions—streamlining end-to-end issuing, digital payments and security to drive innovation and customer payment experiences

Modern Card Management

Learn about our proposition
which can help you to elevate your digital innovations to a new level.


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Mobile and Digital Banking

Enhance your digital payments ecosystem through offering of multi-purpose wallets, mobile app or digitial banking.


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AI/ML-powered Fraud Management

Offer protection against any kind of digital, transactional, payment fraud with our omnichannel fraud management.

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wing-dark Cloud-native platform

Our platform is cloud-native. We work with own private cloud or can deploy in any of TPP clouds - AWS, OCI, Google etc

wing-dark Microservices based architecture

Microservices architecture offers scalability and freedom in deployment of any new functionality or features

wing-dark Next-generation technology

Constantly updated features, modern functionality to stay 2-steps ahead of competition

wing-dark Present in over 70% of European countries

Large European and Global expertise and local approach

wing-dark 500+ Customers

Digital Banks, Tier-1 banks, National Switches in portfolio

wing-dark Flexible deployment options

Deployable on premise, SaaS, as managed services, hybrid

Product

Modern card management for a modern bank

BPC’s SmartVista Card Management and Issuing solution is a next-generation, customer-centric platform—available as licensed software or cloud service—that lets banks, fintechs and issuers launch and manage credit, debit, prepaid and multi-purpose card and wallet programs across physical and digital channels. With real-time profiling, open APIs and built-in back-office automation, it accelerates innovation, go to market speed and efficiency.

Modern Card Management

Faster Time-to-Market

Pre-built templates, workflow configurators and sandbox APIs let you launch new card programs in days—not months.

Increased Customer Engagement

Real-time profiling, loyalty & campaign management and automated upgrade triggers boost usage, retention and cross-sell.

End-to-end

End-to-end back-office automation—from GL accounting to dispute and charge-back handling—reduces manual effort and errors.

Agile Risk & Compliance Management

Built-in EMV data preparation, fraud reporting, tokenization and SVIP integration keep you PCI-DSS and market-regulation ready.

wing-dark Product Development Toolkit & B2C Templates

wing-dark Accounting & EMV Data Preparation

wing-dark Multi-Channel Wallet & Card Support

wing-dark Open Architecture, Tokenization & Sandbox

 

wing-dark Flexible Credit Engine & Dynamic Pricing

wing-dark Advanced Loyalty, Campaign & Customer Service Portal

Our success stories

Commercial Bank
Bulgaria

DSK Group

DSK-bank
Powering Bulgaria’s digital payments —secure, scalable, and future-ready.
  • • Over 2.5mln cards (250k credit cards) - 70% growth
  • • 150% growth of merchant network in 8 years
  • • Local, Visa and Mastercard certified
  • • Debit, Credit, Virtual cards, Public transport cards
  • • BNPL, DCC
  • • E-commerce in the cloud
  • • Google/Apple pay wallets for issuing and acquiring
Commercial Bank
Romania

Banca Transilvania

BT-bank
Transforming payments in Romania —contactless, connected, and cutting-edge
  • • Over 6 000 000 cards issued (1mln credit cards)
  • • 140 000 POS
  • • 90% of contactless payments
  • • 8 000 000 Transactions per day
  • • World’s first transfers via ATM for Western Union powered by SmartVista
  • • Local, Visa, Mastercard certified
  • • End to End Payment Suite with a focus on contactless payments and innovation
Modern-Card-Management_Wide
Product

Revamp your Digital Ecosystem with Mobile and Digital Banking

BPC’s SmartVista Digital & Mobile Banking platform is an API-first, microservices-based solution that delivers mobile-first banking, digital lending, embedded finance and e-wallet services, complete with AI-driven personalization and Super App support all while seamlessly integrating with legacy cores and open-banking frameworks.

Omnichannel Engagement

Pre-built templates, workflow configurators and sandbox APIs let you launch new card programs in days—not months.

Rapid Innovation

Microservices architecture, public sandbox and open API marketplace accelerate integration with FinTechs, third-party providers and regulators.

Broadened Financial Inclusion

Leverage SoftPOS, QR-code payments, agent banking and digital identity to onboard underbanked customers at scale.

Modular Modernization

Incrementally deploy new digital services without replacing your core banking system, minimizing risk and cost.

wing-dark Mobile-First Banking & Super App



wing-dark Intelligent Chatbot

wing-dark Biometric Authentication & Digital ID


wing-dark White-label solution

 

wing-dark SaaS/onprem your choice


wing-dark E-Wallet Ecosystem



Modern-Card-Management-Wide
Product

Multilayered Protection with SmartVista Fraud Management

BPC’s SmartVista Omnichannel Fraud Management is an enterprise-grade, AI/ML-powered platform delivering real-time, end-to-end fraud prevention across mobile, e-commerce, card, POS, ATM and digital banking channels. Combining supervised and unsupervised machine learning with rule-based detection and behavioral profiling, SVFM provides dynamic risk scoring, anomaly detection and full case management—backed by low-code configuration and eight global data centers for rapid, region-specific deployment.

Real-Time, Cross-Channel Protection

Monitor and mitigate threats instantly across every customer touchpoint—mobile apps, web, ATMs, POS and more.

Reduced Fraud Losses

Dynamic risk scoring and anomaly detection cut false positives and block fraudulent transactions before they hit your bottom line.

Rapid Adaptation & Scalability

Low-code rule configuration, independent ML-model management and multi-institution support let you evolve defenses as fraud tactics change.

Regulatory & Compliance Assurance

Meets PCI-DSS, 3DS2, PSD2 SCA and AML standards—and leverages a global deployment footprint for local data-sovereignty and uptime

wing-dark Hybrid AI/ML & Rule-Based Engine





wing-dark Case Management & Link Analysis





wing-dark Low-Code/No-Code Configuration




 

wing-dark Adaptive Authentication




wing-dark Behavioral Profiling & Anomaly Detection





wing-dark Multi-Mode Validation & Global Deployment




Our success stories

Commercial Bank
Bulgaria

DSK Group

DSK-bank
Powering Bulgaria’s digital payments—secure, scalable, and future-ready.
• Over 7000+ fraud cases prevented in 2024
• 4mln EUR saved to the bank
• Enterprise level monitoring, issuing, acquiring
Commercial Bank
Romania

Banca Transilvania

BT-bank
Transforming payments in Romania—contactless, connected, and cutting-edge
• Omnichannel Enterprise Fraud Management (Card, POS, Digital)
• 3DS 2.2 for E-commerce
• ACS
  •  

Whether you’re modernising your CMS, building a digital wallet or locking down channels, BPC is your
on-demand partner.

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