Issuing processing for banks and financial institutions

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The payment stack for the future. Today.

Fast, flexible and experienced. We’re the leader in virtual and physical card issuing solutions. At every stage of the prepaid, debit and credit account lifecycle, from card issuing, transaction processing to customer support.

Our cloud-native, API-enabled platform covers the entire issuing lifecycle. Designed to keep you one step ahead. Flexible enough to evolve with you as you grow.

We are here for you.

A pile of cards in various colors and styles.

Payment cards to suit your taste

As a Visa and MasterCard certified personalisation center, we offer a wide portfolio of card personalisation services. Cards can be made from materials for a custom or prestigious look, including their production and hand packaging. Imprinting of full color logos, barcodes and other elements is standard.

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Advanced risk management

We control the whole card lifecycle management, from EMV Data Preparation, through card Personalization to Distribution. We have an experienced team of fraud and dispute management specialists.

  • 3D Secure with Risk Based Authentication
  • Fraud Prevention System
  • Fraud Detection System using machine learning techniques
  • Dispute Management
  • Customer support with 24/7 Call Centre
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Issuing as a service for Fintechs

Focus on your business, we take care of the entire card program

Looking for embedded finance services? Considering issuing your own payment cards? It's really not an easy task that requires your company to be a regulated institution, a card scheme member, possess in-depth knowledge and experience of the payment industry, have systems that run with high availability, and have a team of specialists. But there's no need to worry – Global Payments has everything you need. As a regulated institution, we provide fintechs, neobanks, and corporate businesses access to scheme rails and payment licenses to facilitate financial operations.

We've designed our physical and virtual card programs to enable you to customize and issue payment cards in alignment with your business strategy.

Getting all services from the entire issuing ecosystem from a single partner reduces the administration and coordination and ensures that processes are aligned and optimised. We help you speed up time-to-market and launch your new business at reasonable costs.

Let us be your One-Stop-Shop for:

  • Regulatory License Sponsorship (Permission of the Central Bank)
  • BIN Sponsorship (VISA/Mastercard License)
  • Transaction Processing (Secure technological solution running in high availability)
  • Authentication as a Service (E-commerce 3D Secure Authentication or SDK for authentication of all active operations)
  • Program Management (Selection of suitable card products and management of all areas of the issuing ecosystem)
  • Mobile Payments (Support for global electronic wallets: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay)
  • Card Lifecycle Management (Everything from card issuance and activation to monitoring and updating card details, such as limits, personalization options, etc.)
  • Card Personalization (Selection of card design, adding name on card and data on the chip)
  • Fraud Monitoring (Fraud prevention and detection systems using AI)
  • Dispute Management (team of specialists handling cardholder complains and chargeback process)
  • 24/7 Call Centre (Multilingual call centre providing emergency services e.g. blocking of stolen cards)

Innovations hand in hand with regulations

Global Payments Europe as a member of Mastercard and Visa and a regulated financial institution allowed to issue payment instruments is ready to help you to build modern card based proposition for your customers

  • Maximum security - single-use virtual card
  • Buy now pay later
  • SME lending
  • Loyalty / Cashback cards
  • Closed loop cards: petrol, mall, meal, benefit
  • Prestige, metal cards
  • Consumer and corporate cards
  • Revenue generating commercial cards

Helping you to become fully regulated card issuer and scheme member

Being approved as a regulated institution and a card scheme member without a sponsor will take up to several years. With us, you will be ready to go to market way faster. You do not need to be an expert in payments; we accompany you throughout your project. We will also update you on future changes and regulations to successfully run the program.

We take full control of spend settlements, reconciliation and safeguarding of customer funds, as well as AML and fraud monitoring, so you can focus on innovation rather than regulatory compliance. Leave us your contact details and we will get back to you.

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An illustration of a hand holding a credit card.

Acquiring processing for banks
and financial institutions

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Take care of your customers. We'll take care of the rest.

Payments are just the start. Every day, we’re investing in breakthrough technologies to bring you the tools and resources to build your future. Talk to us about your plans and goals. A new revenue stream? Expanding your customer base? Streamlining processes?

Whatever you need to do next, it’s our job to help make that happen.

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Payment processing for acquirers

Credit and debit processing—sorted. From the simplest to the most complex.

  • Stay compliant with evolving regulatory frameworks across all EU countries.
  • Connect everything: authorization, real-time posting, settlement.
  • Benefit from our local expertise and global reach.
  • Accept, from the European perspective, minor card schemes, such as American Express, UnionPay, Diners Club or JCB.
  • Accept even more via additional 140 alternative payment methods integrated with our e-commerce platform.

Managing risk, fraud and disputes

Our Monitoring service is preventing card frauds, using a mix of sophisticated models and rules to detect and act on high-risk transactions in real-time.

  • Award-winning, end-to-end fraud scoring. We combine machine learning with adaptive behavioral risk models.
  • Adapt your risk policies in real time.
  • Respond to local and worldwide fraud trends, using structured and unstructured data.

In-Store acceptance solutions

Offering a wide number of solutions for card acceptance for acquirers running on Nucleus, our sophisticated Android POS Architecture.

  • Android POS Terminals (Desktop / Mobile / Retail pinpad / Unattended)
  • SoftPOS Solution - Transforms smartphone into a POS Terminal
  • Token Gate - Use payment cards as identifiers
  • Let us manage your ATM network or join our shared ATM network
  • Advanced solutions (Cashless events, Transport and Parking)

E-Commerce solution

Our e-commerce solution is in house developed, modular and open to integrations with 3rd party payment gateways. Our payment paye GP webpay is a complete e-commerce ecosystem, designed for all merchant segments.

With a simple integration, you get access to the whole GP webpay ecosystem:

  • Payment gateway: online payments & functions
  • GP webpay portal: administration of payments
  • Infrastructure: integration & security
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Global Payments Direct, Inc. is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.
Global Payments Direct, Inc is a registered ISO of BMO Harris Bank N.A.
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