GEMCARDS is a comprehensive card management system which manages and supports end-to-end card specific requirements of your organization. Built using high end technologies GEMCARDS offers flexibility, scalability and ease of use. It is designed to cater multi-institution, multi-country, multi-lingual and multi-currency platforms. GEMCARDS offer 3600 view of customers’ portfolio, enabling card issuer to take complete ownership of end to end card management process.
Key Features
GEMCARDS key features includes product management, card application processing, authorization, card issuing, transaction processing and posting, merchant management, billing, payment processing, clearing & settlement, collection follow-up, dispute handling, customer services, financial posting, loyalty and risk management.
Issuing: Highlights
- Capable to issue Prepaid, private label and bank cards
- Multi-lingual
- Multi-organization
- Multi-product
- Multi-currency
- Flexible origination module for cross selling
- Up-sell & down- sell
- Bulk Card Production
- Printer/Embosser Support
- PIN Mail Distribution Support
- Ability to issue Chip cards
- Ability to issue Co-branded /Affinity cards
- Quick routing and settlement
- Customised Customer billing - weekly, biweekly and monthly
- Re-financing
- Re-negotiation
- Securitization of portfolios
- Online Credit Bureau Interface
- Parameterized Instalment module
- Alert registration and real time alerts
- Support On-time Real-time Promotion
Acquiring : Highlights
- Capable to settle multi-currency transactions
- End-to-end merchant/Franchise management
- Interface to Visa/Master for settlement
- Flexible dispute management & chargeback process
Other : Highlights
- Ability to issue multi-currency Prepaid cards
- Ability to issue Debit cards
- User Security Administration
- Scalable Architecture
- Zero dependency on end-of-day processes
- Flexible authorization module
- Association regulatory compliance
- EMV compliant
- PA DSS compliant
- Parameterized promotional lines
- Co-branded partner management
- Loyalty Management module (Customer & Merchant)
- Fraud & Risk management
- Utility Payments