End-to-end card issuing designed for the digital era
Simplify card management with a complete issuing solution that combines technological excellence, flexibility, and end-to-end coverage. It enables seamless card usage across all channels for physical, virtual and digital cards.
Trusted to power Europe’s most demanding card ecosystems
Powering large-scale card ecosystems, our SBS Cards product supports extensive card portfolios and consistently handles high transaction volumes with speed and reliability. Trusted by leading financial institutions and payment processors, it combines proven scalability with deep industry expertise to ensure resilient performance, operational efficiency, and seamless card experiences across every transaction.
Cards managed by our customers
SBS Cards products keep the largest card portfolios running at industrial scale.
Transactions yearly
Billions of card transactions clear every year, and are handled with resilient performance that scales on demand.
Of the top 6 banks in France
In France, four of the top six banks depend on SBS Card products for consistent performance under peak demand.
Years of experience
Adapting to evolving card technologies comes easier, backed by three decades running card programs for Europe's largest issuers.
Benefits
Drive next-generation card issuing at scale
Elevate customer experience
Empower your business with advanced card issuance capabilities that unlock innovative use cases such as virtual cards, wallets, click2pay, Wero payments for both retail and corporate customers.
Power real-time services
Support real-time payments and card services with straight-through processing, secure API integrations, and full lifecycle management.
Scale your payments ecosystem
Enable seamless integration with third-parties and accelerate the roll-out of new services while meeting time-to-market requirements.
Reduce total cost of operations
Reduce costs with a scalable, multi-entity architecture built to handle high volumes and support long-term private cloud strategies.
Build a future-ready foundation for card issuing
Accelerate innovation, reduce operational complexity, and scale efficiently as your business grows. Adapt quickly to new market demands, expand your ecosystem, and deliver new card services faster while maintaining control over costs and performance.
Flexible deployment
Deploy with flexibility using a modular, component-based architecture that supports private cloud environments, simplifies integration, and accelerates time to market.
Cloud-native foundation
Built on cloud-native, microservices-based technology to deliver real-time processing, scalable performance, and more efficient operations.
Open API architecture
Integrate seamlessly with core banking systems, third-party services, and partners through an open, API-first architecture designed for ecosystem connectivity.
Multi-entity efficiency
Optimize operations and cost with a multi-entity model that enables resource sharing while supporting the specific requirements of each issuer.
Elevate your card issuing to the next level
Our product accelerates your entire physical and digital issuing journey: streamlining card and transaction lifecycle management while delivering real‑time, customer‑centric card services
Launch new card products faster
Configure card products on a flexible catalog and bring them to market in days, not months. Stay ahead of evolving customer expectations and new use cases, without compromising compliance oversight.
Personalize the cardholder experience
Manage the full cardholder contract lifecycle while tailoring features to individual needs. Enable customers with intuitive self-service capabilities—from activation and blocking to spending limits and usage controls.
Control the full transaction lifecycle
Manage transactions end-to-end, from authorization to clearing, booking and disputes, through a unified view. Process CB, Visa and Mastercard transactions in native and ISO 20022 formats, ensure reconciliation, and support flexible settlement options including immediate and deferred debit.
Manage scheme processing end-to-end
Connect to Visa, Mastercard and CB and manage clearing, settlement, interchange and fees in one platform. Validate transactions, handle exceptions and recycle rejects while maintaining full control over scheme interactions.
Technology
Drive operational efficiency
Card management. Simplified. Scaled.
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