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Solution

Cards and Payments

Card Issuing and Payment Orchestration

Enable a seamless transaction experience. From instant global card issuing to complex local payments, our infrastructure connects your core to the world's major payment networks.

Global Card Issuing

EZPayConnect supports integration with leading processors to issue Visa and Mastercard cards, with control over spending parameters. Manage the full card lifecycle through APIs.

  • Virtual and Physical Cards

    Instantly issue virtual cards for e-commerce and support physical card fulfillment with contactless (EMV) technology.

  • Security Controls

    Real-time blocking and unblocking, PIN customization, and restrictions by merchant category code (MCC) or geography.

Integrated Payments Ecosystem

Our architecture not only processes transactions; it orchestrates them to support successful payments by combining traditional and modern payment methods in one user interface.

  • Instant P2P transfers
  • QR payments (EMVCo)
  • Local bill payments
  • Automatic debits
  • Cash-in / cash-out

  • Proprietary transfers

    Real-time, no-cost fund movements between accounts in the same ecosystem.

  • Utility payments

    Direct connection to bill aggregators for water, electricity, phone, and government charges.

  • Apple Pay / Google Pay support

    Infrastructure prepared for tokenization and linking to global mobile wallets.

Automated Foreign Exchange (FX)

Simplify multi-currency operations. Our platform includes an FX engine that can settle transactions in local currency using balances in dollars or digital assets, applying institution-configured real-time exchange rates.

The FX engine supports dynamic settlement, allowing a user to spend in EUR while their primary balance is in USD, with the spread and conversion handled transparently.

Automated Settlement and Reconciliation

Mass payments make reconciliation challenging. EZPayConnect automates daily fund matching among card processors, bill-payment aggregators, and your core accounting.

Each movement creates an immutable audit trail to help identify discrepancies quickly and keep reported balances aligned with the institution's financial records.

Processing Independence

Unlike closed processors, our infrastructure allows you to change issuing partners or payment aggregators without migrating your user database or rewriting business logic. You own your payment network.