Besides, the PowerCARD solutions are open to all types of card products, whether international or private cards, credit, debit or prepaid cards, magnetic or smart cards, or virtual cards.

Parameterization

Parameterization, as defined in PowerCARD, can be managed by different kind of users. Being a basis for the other functionalities, the parameterization’ menus cover all the management aspects. As soon as the first phase of the issuing program is launched, they allow you :

	To predefine in details all the management procedures related to the different issuing activities
	To establish the code tables for countries, regions, cities, bank branches, currency, etc… and proceeding to the required assembling
	To define different types of cards, products, brands and services
	To define the different links between the customer, the account, the currency, the card and the product.
	To establish detailed acceptance and authorization rules.
	To define in detail the types of fees, their calculation and the management of their billing.
	To automate the different tasks at the maximum.
	Etc.

Management of cards application and cardholders contracts

This functionality is not restricted to the data capture of the card application but also offers tools helping to the decision (Scoring notably), which permit to record decisions, edit contracts and welcome letters, store electronically and recycle the applications. Moreover, PowerCARD allows interfacing with any internal application used to this effect.

Cards personalization

This functionality allows the generation of the card production files and the management of all its related elements, namely cards embossing, encoding, PIN code calculation, chip customization (EMV standards or private label schemes), inventory management, delivery flag, etc…

Cards renewal and replacement

PowerCARD enables you to renew automatically the cards by using simple parameters taking into consideration certain elements such as the balance, the outstanding payments or the late payments.

PowerCARD performs highly secured card replacement. It takes into account all the reason codes for replacement. In any case, the information related to the replaced card is automatically switched to the new one.

Management of cards associated services

PowerCARD manages other services you may offer in addition to the traditional ones, such as insurance and assistance packages.

Fees and billing management

PowerCARD manages all types of issuing fees: cardholders fees, issuers fees, acquirers fees and international institutions fees. The fees management is programmable. They are automatically generated and billed to the consignees. The fees billing includes the value dates as well as late payment interests (Cf. Revolving credit).

Management of statements and letters

Besides the flexibility to generate statements,PowerCARD automate the messages intended to the holders, as well as the generation of the information letters (welcome letters, notice for renewal, replacement, modification of credit limits and credit lines, etc, …)

Collection

PowerCARD manages all the collection elements :

	Outstanding payments adjustment
	Risk evaluation
	Management of the outstanding payments, the different types of collection actions and results
	Filing and management of the outstanding payments’ review.

Management of customers’ calls

The management of call centers allows the operators to use the necessary tools for the treatment of the customers’ calls:

	Access to previous calls
	Access to the required information regarding the concerned card
	Access to the Authorizations’ elements
	Immediate balance calculation
	Recording actions, generating reports and managing pending issues
	Etc.

Risks managment

PowerCARD ensures a very efficient management of risks threatening cards’ issuers, such as the stop list or fraud detection and prevention measures.

Stop list (black list)

PowerCARD opposition system permits to stop not only a card number but also a range of numbers, a particular BIN and allows to block the use of the card for specific categories of merchants or the use of it in certain countries.

Control measures (Monitoring)

Being complied with the international standards, PowerCARD spares the worry to buy or write an additional application to respect the said international institutions’ rules . It enables spotting and fighting fraud through specific parameterization.

Account settlement

PowerCARD covers all accounting aspects related to the Issuing activity by programming and customizing the accounting rules and generating automatically accounting entries.

Chargeback

PowerCARD offers you the most efficient means to make charge-backs to the acquirers.

Management of loyalty programs (Loyalty)

PowerCARD insures a comprehensive management of the loyalty programs, meant to maintain regular holders by making them win and cumulate loyalty points depending on their cards’ use.