• Communication part - establishes connection with VISA, MASTERCARD, and local authorization center.
• System for issuing and managing international bank cards - VISA, MASTERCARD.
• System for processing authorization messages and transaction information received from local authorization center.
• System for processing financial messages received from VISA, MASTERCARD, local authorization center - when performing transactions with the Bank's bank cards on terminal devices of other banks in the country and abroad.
• System for sending financial messages to VISA, MASTERCARD, local authorization center – when performing transactions with foreign cards on the Bank's terminal devices.
• System for processing settlement information for transactions performed at the clearing bank.
• System for connecting to the bank accounting system and the existing national debit card system.

The system performs three main functions:

• Issuing and managing VISA, MASTERCARD, and Bank cards
• Processing transactions with VISA, MASTERCARD, and Bank cards
• Processing transactions with VISA, MASTERCARD, and other bank cards on the Bank's terminal devices

• Enables the issuing and management of all types of VISA, MASTERCARD, and bank cards (VISA Electron, Cirrus Maestro, Classic Credit Card, Gold Credit Card, Business Credit Card) in accordance with the interfaces of the local authorization center for international cards.
• Automatically generates the card number and romanizes the name on the card.
• It is possible to issue cards automatically by processing a file containing applications in a format specified by Datamax. This also allows applications received via the Internet to be processed.
• Option to specify different accounts for posting transactions and fees to a single card.
• Option to manage all card parameters supported by the local authorization center.
• Option to receive card statements via the Internet.
• Automatically renews expiring active cards.
• 100% support for local authorization center interfaces for issuing and managing international cards.
• Free definition of interest terms for both individual cards and card types.
• Promotional emails and SMS messages.
• Standardized card application forms.
• Automatic generation of contracts for each individual card group.

• Automatic generation of clearing messages for VISA, MASTERCARD (corresponding reversal messages).
• Processing of returned messages from VISA, MASTERCARD, and the option for corrections.
• Automated accounting process.
• There are options for managing the merchant account – setting the confirmation period, the percentage in favor of the bank, the limits of the terminals in relation to voice authorization, managing the process of automatic generation of presentments (e.g., for Internet merchants who wait for confirmation from the cardholder's bank and then send the presentment).
• Option to register merchants and terminals in the local authorization center system so that they can accept payments with foreign cards – accordingly, the option to manage all parameters related to a specific terminal or merchant is also provided.

• In the issuance and management module – statistics on the number of cards, broken down by type and branch; number of accounts; average balance; number of cardholders; statistics on frequently performed card management operations – number of blocked cards, broken down by reason; number of deactivated cards; card incidents;
• Module for processing the Bank's card transactions – number of transactions per period, by region, by card type; cardholder activity – average number of transactions per card, average transaction amount, transactions broken down by type of operation; amount of fees in favor of the bank; card turnover; also information on declined authorizations, disputed payments by a given cardholder – successful disputes, losses;
• Module for processing terminal transactions – terminal activity, turnover, profit, disputed payments, breakdowns by business type, average transaction amounts by merchant;
• Bonus accrual
  • Bonus points
  • Bonus kilometers (miles)
  • Discounts on purchases in the retail network
• Billing Statement