Cards
Card issuing, acquiring, and payment processing systems
Authorization through settlement — including the reconciliation, interchange, and dispute handling that determines whether the numbers balance at the end of the cycle.
ISO 8583EMV3-D SecureATM / POSTokenizationChargebacks
Technology Depth
Cards coverage
Comprehensive ecosystem coverage backed by vetted senior principals and certified specialists.
Messaging & Networks
ISO 8583Visa (VisaNet / BASE II)Mastercard (Banknet)American ExpressDiscoverDomestic SwitchesNetwork CertificationField & Bitmap Mapping
Transaction Lifecycle
AuthorizationClearing & SettlementPre-auth & CompletionReversals & TimeoutsRefundsInterchange & FeesReconciliationStand-in ProcessingVelocity & Limit Checks
Channels & Security
EMV Chip & ContactlessATM TransactionsPOS TerminalseCommerce / CNP3-D Secure 2.xTokenizationPIN & HSMPCI DSSFraud Screening
Products & Platforms
Credit CardsDebit CardsPrepaid & GiftCommercial CardsBNPLDigital WalletsFISFiservTSYSCard Management Systems
Enterprise Delivery
Typical cards engagements
- Certification support — network mandate and scheme certification cycles
- Switch and host testing — simulated authorization and clearing flows
- Settlement validation — interchange, fees, and reconciliation accuracy
- Dispute lifecycle — chargeback, representment, and arbitration paths
- Terminal testing — EMV, contactless, and POS integration
- Release regression — suites for the mandatory scheme release cycle
Scheme mandates do not slip
Visa and Mastercard release cycles are fixed dates. The work is scoping impact early and having a regression suite ready rather than testing under deadline pressure.
- Mandate impact assessment per release bulletin
- Automated regression for authorization and clearing
- Simulators for network and terminal message flows
- Settlement reconciliation validated every cycle
Common Questions
Frequently Asked Questions
Transparent insights into our delivery, pricing models, security compliance, and onboarding timelines.
Do you work with card network simulators?
Yes. Simulated authorization and clearing message flows are standard for testing issuer and acquirer hosts without depending on network availability.