PCI-DSS Compliant.
Full Lifecycle Control.
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and governance-aware delivery to support reliable digital financial operations. We operate strictly as a technology development partner and do not provide financial services.
- Physical and virtual card issuance
- HSM encryption (FIPS 140-2 Level 3)
- PIN management and spending controls
- Real-time alerts and instant freeze/unfreeze
- Apple Pay and Google Pay provisioning
- Accounting and ERP integration
Key Features
Card Generation
Design, personalise, and issue physical or virtual debit, credit, and prepaid cards for individual and corporate account holders. Supports embossed, chip-and-PIN, contactless (NFC), and virtual card formats with full branding customisation.
Financial Tracking
Generate real-time and scheduled reports covering transaction history, spending categories, monthly statements, and analytics dashboards, giving cardholders and relationship managers clear visibility into financial activity and trends.
Data Management
Maintain a centralised, highly secure cardholder database storing personal profiles, linked accounts, full transaction history, document records, and preference settings, with role-based access controls and complete audit trails.
Mobile Commerce
Enable frictionless mobile payment experiences including in-app purchases, digital wallet provisioning (Apple Pay, Google Pay), QR-code payments, and one-click checkout, ensuring cardholders can transact securely from any mobile device.
Inventory Management
Automate and track the complete card stock lifecycle: from bulk ordering and personalisation batches to secure storage, despatch logistics, undelivered-card handling, and replacement or reissue workflows, minimising stock-outs and wastage.
Card Controls and Measures
Empower cardholders and administrators to set granular spending limits (daily, merchant category, geography), activate or deactivate cards instantly, block specific transaction types, and configure real-time push notifications, reducing fraud exposure and improving customer control.
Unique Card IDs
Assign a globally unique management number to every card issued, enabling precise end-to-end tracking throughout the card lifecycle from production and activation through to renewal or destruction, with full traceability in audit logs.
Billing and Invoicing
Automatically generate transparent, itemised bills and invoices for card usage, annual fees, interest charges, and ancillary services. Supports multiple billing cycles, multi-currency statements, and direct delivery via email or in-app notification.
Accounting Integration
Seamlessly connect the card management system to core banking, ERP, and accounting platforms (SAP, Oracle, QuickBooks) via APIs, ensuring automatic reconciliation of card transactions, fee income, and settlement entries without manual intervention.
Data Encryption (HSM)
Protect all sensitive cardholder data including PAN, CVV, PIN blocks, and cryptographic keys using FIPS 140-2 Level 3 certified Hardware Security Modules (HSMs). Ensures PCI-DSS compliance, prevents key exposure, and guarantees the integrity of all cryptographic operations throughout the card lifecycle.
Achieve Measurable Results
Complete Lifecycle Management
End-to-end card management from issuance to closure reduces manual processes and operational costs.
PCI-DSS Compliance
HSM encryption and tokenisation ensure compliance across the full card lifecycle.
Stronger Cardholder Security
Spending controls, instant freeze, and real-time alerts protect against fraud and unauthorised use.
Faster Card Issuance
Automated personalisation and virtual card instant issue cut time-to-activate for new cardholders.
Better Cardholder Experience
Self-service controls improve satisfaction and reduce customer support calls.
Scalable Infrastructure
The platform scales as your card portfolio grows without compromising security or compliance.
Why Choose Karsaaz Solutions
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and compliance-aware delivery. ● Physical and virtual card issua
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HSM Encryption as a Foundation
FIPS 140-2 Level 3 HSMs protect every sensitive cardholder data element from day one of the implementation.
All Card Products on One Platform
Physical, virtual, debit, credit, and prepaid cards are managed from a single system with shared controls.
Instant Freeze Built for Self-Service
Cardholders can freeze and unfreeze their own cards instantly from the mobile app without calling the contact centre.
Apple Pay and Google Pay Ready
Mobile wallet provisioning for Apple Pay and Google Pay is a built-in feature, not a third-party integration.
ERP and Accounting Reconciliation
Card transactions, fees, and settlement entries reconcile automatically into SAP, Oracle, or QuickBooks.
How We Deploy Your Card Management System
Understanding your card portfolio, issuance volumes, and compliance expectations.
Structuring card lifecycle workflows, HSM encryption, and core banking integration.
Building HSM, card network, core banking, and accounting system integrations.
Building card issuance, PIN management, spending controls, and fraud monitoring.
Validating card issuance, HSM encryption, and PCI-DSS compliance workflows.
Launching your platform with monitoring and continuous improvement.
How We Deploy Your Card Management System
Discovery and PCI-DSS Requirements
Understanding your card portfolio, issuance volumes, and compliance expectations.
Architecture and HSM Integration Design
Structuring card lifecycle workflows, HSM encryption, and core banking integration.
Integration Build
Building HSM, card network, core banking, and accounting system integrations.
Platform Development
Building card issuance, PIN management, spending controls, and fraud monitoring.
Testing and PCI-DSS Validation
Validating card issuance, HSM encryption, and PCI-DSS compliance workflows.
Deployment and Optimisation
Launching your platform with monitoring and continuous improvement.
Contact Us
Physical and virtual debit, credit, and prepaid cards including NFC contactless, chip-and-PIN, and virtual-only formats are all supported.
Yes. FIPS 140-2 Level 3 HSM encryption ensures full PCI-DSS compliance across the entire card lifecycle.
Yes. One-tap card freeze and unfreeze is available directly from the mobile app without needing to contact the call centre.
Yes. Mobile wallet provisioning for Apple Pay and Google Pay is a built-in feature of the platform.
Cardholders and administrators can set granular spending limits by daily amount, merchant category, and geography with instant activation and deactivation.
Yes. SAP, Oracle, and QuickBooks connections via API mean card transactions, fees, and settlement entries reconcile automatically.
