Our Technology

Our Electronic Prepaid Cards Management System (CMS) is an integrated platform for processing and administration of electronic payments.

This platform facilitates issuing, registration and enrolment, transaction authorisation, reloading and balance control and monitoring of cards based on an open, multi-product/application. The system is built on a multi-currency, multi-company and multi-language architecture, enabling issuing, managing and marketing prepaid card programs with public or private brands on an open or closed, individual or multiple distribution, according to the needs of each customer and project.

The core application has been developed by a skilled technical team, highly experienced in the development of payment processing platforms. EMerchants re-brand our core systems with your look and feel. The result is a fully functional cardholder web portal - with your own unique branding with unmatched speed to market; avoiding lengthy development/testing time and the need to work with third parties to integrate with their functionality and web services.

Whether you want to run a Corporate Rewards, Payroll, Teen, General Spend, or Promotional Card Program, utilising our core processing backbone will speed your time to market and improve your return on investment. In addition to our cardholder site, our core systems also include a secure administrator's portal to allow you to manage all aspects of your card programs, together with a full reporting suite.

Further bespoke portals such as Employer Loading, Inventory Management or Agent Application Management are already in production for existing clients and can be customised for the specific functionality you need.

Application Management

Industry Forefront

All of our client portals have been developed using the latest .Net web technology and are built to industry best practice standards. Our core transactional system is built on C++ technology, a sturdy and robust application framework that has been the banking platform of choice for reliable source programming.

Scalability

We have invested heavily in a robust and scalable platform built on Sun SPARC and X86 hardware, Sun Solaris Operating System and Oracle Enterprise Database. All of our mission critical servers are architected for 99.999% uptime and hosted in industry leading secure data centers.

Security

Our client facing applications and Core Card Management System are built to industry security best practice, including OWASP. We undertake regular PCI compliance reviews to ensure that our platform and our data is secure. Data transmission is encrypted using 128 bit SSL connections for web and 3DES for financial transactions.

Project Consulting and Management

Any new marketing initiative, process change or technology improvement project requires some level of detailed planning. We know how to design and develop an optimal applications process ensuring you comply with all legal requirements around Money Laundering and Know Your Customer - this is built into all our applications but can be tailored to your requirements.

Design and Marketing Services

We offer a full marketing service through various partners. We are able to assist with an end to end strategy, brand development, multi-channel promotions, product launch, POS materials, design and copyrighting service. Whether we are working with you on a simple card design project, website creative project or a fully supported multi-media marketing initiative, our experience in both prepaid cards and marketing alongside some of the world's leading brands will mean we can add maximum value to your program.