Card management

Manage the entire card lifecycle, all from one place.

Oversee every aspect of the card lifecycle from issuing to monitoring on a single, seamless platform. Power credit, debit, prepaid,
multi-currency and tokenised cards with simplicity and scalability.

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    Card management, made easier for banks and fintechs.

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      Banks

      Streamline operations, reduce friction, and deliver seamless card experiences that keep customers coming back.

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      Fintechs

      Drive innovation and provide versatile card solutions to meet evolving customer needs.

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      What you gain:

      • bulletSimplified card management: Manage all card types end-to-end, effortlessly.
      • bulletIncreased efficiency: Save time with centralised control and automation.
      • bulletEnhanced experience: Deliver card products fast, with rich features.
    Illustrating the ease of card management for banks and fintechs through Pine Labs' platform

    Everything you need. Nothing you don’t.

    No Hassles. No Sweat. Pine Labs' unified platform simplifies issuing, acquiring, and credit management, offering essential tools in a single scalable solution designed for seamless operations and growth.

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    End-to-end platform.
    Seamless from start to finish.

    Manage issuing and acquiring effortlessly.

    Unified platform

    Onboarding, issuing, switching, merchant management, reconciliation and settlements, all in one place.

    Effortless API integration

    Plug & play APIs integrate seamlessly with your existing systems.

    Scalable infrastructure

    High TPS with vertical and horizontal scaling handles millions of transactions with ease.

    Built-in security

    Real-time fraud detection, risk management and compliance ensure secure transactions.

    Designed for scale.
    Delivered with simplicity.

    End-to-end management

    Handle the entire card lifecycle – onboarding, issuing, transaction monitoring and cardholder support – all in one place.

      Card Management System

      One platform for all cards

      Manage credit, debit, prepaid, forex, and loyalty cards seamlessly across all major networks.

        Card Switch

        Customisable solutions

        Configure card features, transaction rules and customer
        preferences with enhanced flexibility.

          Mobile screenshot of Pine Labs' 'Customisable Solutions' interface, illustrating flexible card controls and customer preferences

          Next-gen security

          Built-in fraud prevention, encryption and real-time monitoring ensure secure and compliant transactions.

            Card Switch

            Enterprise-grade scalability

            Whether you serve thousands or millions, the platform adapts to high transaction volumes and global demand.

              Card Management System

              Here’s how we stack up:

              Pine Labs
              Other Modern Platforms
              Traditional Processors

              Unified card management

              Available

              Not available

              Not available

              Customisable solutions

              Available
              Available

              Not available

              Scalability

              Available

              Not available

              Available

              Next-gen innovations

              Available
              Available

              Not available

              Simplify every
              step of the way.

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                STEP 1 : Connect

                • bulletSeamlessly integrate with your systems via our API-ready platform.
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                STEP 2 : Configure

                • bulletDesign card programs to match your unique requirements from card types to customer-specific features.
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                STEP 3 : Control

                • bulletIssue cards, monitor transactions and manage the entire cardholder lifecycle through a single, intuitive dashboard.
              Customizable credit card graphic showing a chip, generic card number, 'John Doe' as card holder

              Capabilities that
              set us apart.

              Comprehensive card, credit, UPI and acquiring management.

              Key features:

              Unified card issuing

              • Manage all card types: credit, debit, prepaid, forex and loyalty.

              • Gain a 360° view of customers with unified insights.

              Unified card issuing

              Form-factor flexibility

              • Issue cards in physical, virtual or tokenised formats.

              • Build innovative products, including credit cards on UPI and RTP rails.

              Form-factor flexibility

              Seamless onboarding

              • Integrate seamlessly with underwriting models.

              • Leverage built-in KYC and AML modules for simplified compliance.

              Seamless onboarding

              Embedded issuing

              • Onboard customers where they are with embedded APIs or white-labelled SDKs.

              • Effortlessly integrate into existing workflows.

              Embedded issuing

              Smooth experience

              • Enable instant card issuance and activation with or without a PIN.

              • Deliver real-time solutions that delight customers from the start.

              Smooth experience

              Customer-first mobile experience

              • Create mobile-native journeys that enhance the customer lifecycle.

              • Ensure frictionless transactions with intuitive, user-friendly experiences.

              Customer-first mobile experience