Cards

Issue cards your customers control

Run debit and prepaid card programmes with controls in the customer's hands, authorisation on the real-time ledger and card data kept out of your apps.

Separate PCI card vaultFreeze and limits in-appDisputes workflow

A debit card ending 4821 next to a freeze toggle and an online spending limit of ₦100,000.
Capabilities

A complete card programme

  • Issuing

    Physical and virtual debit and prepaid cards linked to accounts.

  • Controls & limits

    Freeze, channel controls and spending limits set by the customer.

  • Authorisation

    Real-time authorisation against available balance and limits.

  • Clearing

    Settlement files matched to authorisations and posted to the ledger.

  • Disputes

    Chargebacks and dispute cases with deadlines and evidence.

  • PCI card vault

    Card numbers live in a separate vault; apps show them only in a secure frame.

How it works

A card, from issue to dispute

  1. Issue

    Request a card in the app or at the branch.

  2. Control

    The customer sets limits and freezes in the app.

  3. Spend

    Authorisations check the live balance.

  4. Resolve

    Disputes tracked to resolution with the network.

Works with

Connected to the rest of your bank

  • Accounts — cards spend from real accounts
  • Product Factory — card programmes, fees and limits
  • Customer web — card controls for customers
  • Integrations — processors and networks

Release status

Card issuing and controls
◷ Phase 2
Disputes and chargebacks
◷ Phase 2

Dates follow the public roadmap and may change.

Cards questions

Which networks and processors?

Verve, Visa, Mastercard and AfriGo through processors such as Interswitch and others; see Integrations for status.

Do our apps ever handle card numbers?

No. Card data stays in the card vault, in its own PCI scope; the apps never receive full card numbers.

Plan your card programme

Talk to us about networks, processors and timelines.