Payment Gateway Features

Multi-tenant card issuing and embedded finance solution

Get on-premises API-first card issuing software to provide modern neobank services for end-clients and become a state-of-the-art BaaS API provider for unlimited fintechs and brands.

Multi-tenant card issuing and embedded finance solution
Multi-tenant card issuing and embedded finance solution

Boxopayโ€™s card issuing platform meets all business needs and expectations of providers

New issuer

New issuer

Go to market faster with white-label apps for end-clients and a ready-made back-office for fintech, client, account, card, and transaction management automating most of your business processes.

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Traditional bank

Traditional bank

Get rid of infrastructure modernization activities on your way to becoming a BaaS provider with our card-issuing middleware seamlessly integrated with your existing banking ecosystem.

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Get everything you need to become a neobank and BaaS API provider

Use add-on instant card issuance software for your business agility.

Get everything you need to become a neobank and BaaS API provider Get everything you need to become a neobank and BaaS API provider Get everything you need to become a neobank and BaaS API provider

Core banking and issuer processing solutions, a financial license, and Visa or Mastercard certification are necessary to use our software.

Expand your market share with

  • Retail and business end-clients;
  • Your own new fintech products;
  • Large brands interested in white-label card programs;
  • Neobanks with the need for end-to-end business ground;
  • Fintechs aimed to enhance their products with embedded finance.

Reach maximum flexibility with

  • Headless card issuing solutions or their combinations with ready-made white-label apps;
  • Integration with any core banking and issuer processing software;
  • On-premises deployment to overcome dependence on SaaS card issuance solution providers.
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Unified API

Use and ensure a powerful API-based fintech foundation

Build or enhance your current banking ecosystem and create unique apps for your end-clients using our card issuance platform headless mode.

For your business needs

Provide your fintechs with comprehensive BaaS offerings or just with a unified API infrastructure to build their own independent products.

For fintechs' needs

Unified API capabilities

Use the united interface to integrate and synchronize features and data of different systems for client, account, card, and transaction management.

Internal and external app development

Let your fintechs utilize embedded finance with their unique applications as well as develop business management systems via a single API.

Unified API capabilities Unified API capabilities

Comprehensive data processing

Furnish the root and branch client information, transaction and acquiring data to create diverse dashboards and analytical systems on their basis.

Core features and modules

Visa
MasterCard
Apple Pay
Google Pay
Swift
Sepa
Iban
  • Any card scheme
  • Any money transfer method
  • Multicurrency
  • Virtual and physical cards
  • Debit and prepaid cards
Selected features
  • Client management
  • Account management
  • Card management
  • Payment management
  • Card application management
  • Settlement processing
  • Authorization processing
Core modules

Apps for end-clients

Check end-clientsโ€™ capabilities accessible both via API and our white-label apps

Neobank app

Provide your end-users with a comprehensive mobile-exclusive neobank application. Offer it as a white-label solution to your connected fintech companies to accelerate their development efforts.

Neobank app

Digital web banking

Cover all your client segments including web users through our ready-made digital banking solution. Use it to showcase product development capabilities with our powerful API to your fintechs.

Digital web banking

Provide end-clients with everything they love in modern neobanks

Card management

Account management

Card management

Enable your end-users to:

  • customize their cards according to their preferences and manage various aspects such as ATM transactions, online purchases, 3-D Secure settings, PIN changes, and more;
  • issue new virtual cards hands down in real-time;
  • request physical cards of their choice with convenient doorstep delivery.
Card management

Account management

Enable account holders to:

  • harness the potential of connecting an unlimited number of cards;
  • gain access to account balances;
  • retrieve transaction and commission statements;
  • review authorized and confirmed transactions;
  • distinguish between available and blocked balances.
Account management

Ensure single functionality for retail and business clients

Money transfers and payments

Simple business operations

Personal finances

Money transfers and payments

Grant cardholders the freedom to:

  • seamlessly transfer funds between their accounts and cards;
  • initiate payments to any bank;
  • conveniently top up their accounts through AFT;
  • use payment templates with scheduling options.
Money transfers and payments

Simple business operations

Broaden the horizons of your corporate end-clients and merchants by providing them with:

  • extensive account statements;
  • a two-stage payment processing system;
  • batch payouts;
  • effortless integration with third-party software for automated transfers.
Simple business operations

Personal finances

Extend wealth management resources of your retail end-clients, equipping them with tools for monitoring investments and devising strategies for financial growth. Furthermore, deliver budgeting assistance, expense tracking capabilities, and tools to establish financial objectives.

Personal finances

back-office

Get a single digital suite for partner and banking operation management

Use our system flexibly

Use our system flexibly

Apply it for serving your end-clients, fintechs and their clients, or combine both directions. No matter whether you provide card issuing services for retail, business clients, or merchants.

Involve all your departments

Involve all your departments

Ensure all the necessary functionality for your KYC/AML, customer support, financial, and tech teams in a single system, uniting core banking, issuing processing, and CRM features.

Integrate with third-party services

Integrate with third-party services

Aggregate all your business operations in a single interface. Connect your external KYC onboarding, fraud prevention, and customer support tools.

Set up and automate relations with fintechs

Multi-tenant fintech management

  • Initiate and connect your own projects and onboard fintechs like a clockwork. Configure available products, commissions, and essential data seamlessly.
  • Access your fintechs’ client and transaction information to streamline your Banking-as-a-Service (BaaS) offerings.
  • Craft customized contracts and terms for each onntected company with automatically generated invoices, simplifying your financial interactions with interconnected fintechs.
  • Keep a close eye on statistics and export comprehensive reports detailing all forms of fintech activities and associated commissions.
Multi-tenant fintech management Multi-tenant fintech management

Use all the features available with unified API through a user-friendly interface

Client management

  • Create, update, deactivate, and reopen end-client profiles.
  • Handle and process KYC data during the onboarding process.
  • Establish AML terms, and receive automated alerts for rules violation.
Client management

Account management

  • Establish and maintain client accounts, including updating, deactivating, and archiving.
  • Specify the preferred currency for client accounts.
  • Provide connections between client accounts and associated cards.
Account management

Card management

  • Customize and generate new branded debit cards.
  • Fine-tune card settings.
  • Establish rate plans and rule configurations for cards.
  • Perform card actions like activation, blocking, tokenization, and more.
Card management

Document management

  • Handle various financial transactions, such as withdrawals, and transfers between accounts and cards.
Document management

Transaction management

  • Manage transaction types and all accompanying data comprehensively, covering card clearing, SWIFT/SEPA transfers, and more.
Transaction management

Card application management

  • Manage client requests for new virtual and physical white-label debit cards.
  • Oversee payment card issuance and delivery.
Card application management

Acquiring online messages

  • Receive real-time notifications regarding debit transactions from acquiring banks.
  • Access detailed information about both acquirer banks and transaction specifics.
Acquiring online messages

Authorization processing

  • Maintain a comprehensive record of all authorized transactions retained by merchants.
  • Retrieve up-to-date information on available and blocked customer balances.
Authorization processing

Manage your product end-users and employees with our ERP-like system

App user management

Enable your end-clients to access the neobank app or digital banking platform either manually or through automated fast onboarding. Efficiently supervise users and their respective functionalities within the apps via a corresponding back-office section.

App user management

Internal team management

Establish custom permissions for various departments and their team members through our role management system. Streamline tasks for your technical team with the aid of change logs, connector management interfaces, and additional tools.

Internal team management

Receive complete data about all operations

Analytical reports

Supervise day-to-day operations, track transaction volumes and values across all categories, assess end-client and fintech commissions, streamline reconciliation procedures, along with other routine tasks for your financial and customer support departments.

Analytical reports

Get turnkey support in your project launch

Get turnkey support in your project launch

Our expertsโ€™ elements are card issuing software and infrastructure setup to ensure everything aligns perfectly with your needs. Integration with your core banking and card issuer processing solutions is our priority.

Moreover, we go beyond implementation, offering software usage training and workshops to provide your staff and tech team with all the necessary knowledge and skills.

Also, we provide support with PCI DSS Level 1 certification. Weโ€™ll be by your side from the very beginning, helping you onboard your first fintechs and offering white-labeling services for your applications.

And if you require specific features for your white-label apps, our team can customize the software to meet your unique requirements.

Find more solutions for your business model on our platform

KYC onboarding
KYC Onboarding

Speed up client onboarding and free up to 70% of compliance team resources with our omnichannel customer onboarding automation solution.

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Merchant acquiring
Merchant Acquiring

Get a full-featured white-label payment gateway to provide acquiring services for small-medium retail and e-commerce businesses of any size.

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Acquirer processing
Acquirer Processing

A full-fledged core and business software for processing companies providing high-tech solutions for modern acquirers.

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Boxopay

Ready to launch your own BaaS project with Boxopayโ€™s card issuance software?

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