css cards issuing acquiring


Our solutions are addressed to Credit Card Issuers.  Cards Issuers are Financial Institutions  that have agreements with the main Card Brands (VISA, MasterCard, AmEx etc.) in order to produce compliant card products for their customers. Since the introduction of the PSD2 directive (EU2015/2366), more companies will be able to provide services directly to the banks’ customers either as an AISP (Account Information Service Provider), or a PISP (Payment Initiation Service Provider) and will compete with Banks.


Cards Issuing processes include the product management (defining, producing and delivering the card products depending on their characteristics – e.g. debit, credit, pre-paid, virtual), the marketing function on acquiring and retaining customers (campaigns, promotions, segmentation and loyalty programs), the customers management (applications-scoring, account set-up and management and customer service-all channels), the transactions processing (c/h authorisation, clearing and settlement, the risk and fraud management, charge backs), the customer billing (monthly statement, pricing policy) and the collections.

CSS, since its foundation, develops customised software solutions of various complexity in order to support the cards issuing functions of a major bank in Greece. Through the years we have developed a solid knowledge of the card business concepts and we can now develop customised solutions that can fulfil most of the needs of any card issuer.



Product management

  • Pin issuing for full cards portfolio (Pin Management System)
  • CVC integration for full cards portfolio
  • Issuing integration of new products (Virtual, Debit, Co-branded, Smart cards etc)
  • Cards embossing and reconciliation management
  • Cards issuing and delivering to customer management
  • Embossing files sending and receiving to smart cards manufacturers management


Marketing management

  • Loyalty programs for co-branded  (super market chain) credit cards
  • Loyalty programs for co-branded  (hospital) credit cards
  • “Cash injection” rewarding for selected clientele
  • Reduced interest rate reward for selected customer list


Customer management

  • Consolidation of distinct card files to one Customer file
  • Lost / stolen cards management
  • Emergency cards replacement management
  • Credit cards retention management
  • WEB client on CMS legacy system showing cardholders data
  • WEBSphereMQ middleware to connect request application with scoring calculation on CMS legacy system
  • Various letters to customer issuing (Reminder, Pre-Issuing, account closing announcement, Debt analysis)


Transactions management

  • Pre-Authorization and Authorization completion matching
  • Reversals handling
  • Close batch transactions reconciliation
  • Missing transactions data entry, approval and integration to clearing


Customer billing

  • Billing statements design and implementation
  • Debt settlement / Debt restructuring for credit cards debt



  • Debt collection companies and law firms update for new debt settlements
  • Collection Letters issuing to Mastecard / Visa


  • National Bank of Greece logo
    National Bank of Greece (NBG)
    Credit Cards Billing Process     Our customer needed to replace its credit cards billing process with a new one, in order to  create a new system which would support different interest rates categories, new account repayment, clear aging rules and easy integration with loyalty programs.       CSS […]
  • National Bank of Greece logo
    National Bank of Greece
    Loyalty Programs for Greek Super Market chain     Our customer National Bank of Greece wanted to create loyalty program for its AB-VISA credit card product (Super Market co-branding card). The cardholder should gain «points» for every transaction performed with his card, depending on different promotion schemes designed by the […]