State-of-the-Art Card Management System

The Credit Management System facilitates setting up new accounts within the parameters of set credit plans, maintenance and the update of financial and non financial account information, as well as the viewing of accounts through a range of online enquiry screens.

The system has the following unique features:

• Provides credit card services to hundreds of organisations with an unlimited capacity to process any number of organisations.
• Provides a complete range of card brands such as Visa, MasterCard, Private Label and any product types such as Prepaid, Internet, Business & Corporate Cards.
• Ability to process in any currency.
• It utilises online control parameters with the flexibility to develop custom designed credit plans depending on individual user requirements.
• A fully integrated system which captures information at the point of creation, providing real time information whatever the nature of the enquiry.
• Interfaced via a leased line or VPN over Internet, the system provides the customer the flexibility to independently manage and control its database of cardholders & merchants and provide online customer service as desired.
• It provides an inbuilt loyalty management system which can accrue points based on cardholder spend.

The system is integrated with a host of other modules, which provide the following functions:

• Front End System providing online authorisations.
• Front end data collection, processing and transaction routing.
• System security via controlled access to the core management system and data input security levels.
• Collections tracking and analysis.
• Online chargeback processing and handling of customer financial disputes.
• Merchant processing functions which includes scheme settlement, payment to merchants and management information.