GEMCARDS is a comprehensive payment suite which manages and supports end-to-end card issuing and acquiring specific requirements of your organization. Built using high end technologies GEMCARDS offers flexibility, scalability, reliability and ease of use.
GEMCARDS offers 360-degree view of the customer's portfolio, enabling issuers & acquirers to take complete ownership of end-to-end lifecycle management.
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