Card management simplified

The SAP Fioneer Card Management Solution reduces system complexity and simplifies card processing for any type of card product. From issuing to processing, banks can manage their end-to-end journey, tailor products and empower end-users with complete control and future-ready tools such as token-based payments, Virtual Cards, and compatibility with digital wallets like ApplePay and GooglePay.

Proven results from hundreds of financial institutions worldwide

100%

availability for your customers

5

minutes to create products using no-code

0%

downtime for your customers

Smarter card operations through a single, unified platform

  • Manage all card types and scenarios through a single, unified platform covering issuing and processing. Our system-agnostic design connects seamlessly with all major card schemes such as Visa and MasterCard, to offer a comprehensive service.

  • Simplify the creation and management of your own bespoke card products, enrich the value through easy integrations to third parties, and bundle with complete internal control to create propositions that your customers want, fast.

  • Easily integrate cutting-edge services, such as token services, virtual cards, or wallet solutions with flexible configuration capabilities. Our solution is always up-to-date with the latest technologies – helping you stay on top of the game.

Features designed for modern card programs

Full-lifecycle control

Manage every essential process from a single platform, from card creation to activation, facilitating stops and locks, navigating upgrades and downgrades, handling replacements and renewals, and managing limits and restrictions.

Robust authorization engine

Safeguard your operations and build trust with our advanced authorization engine, ensuring secure transaction authorization, efficient merchant restrictions, and sophisticated fraud validation.

Efficient payments management

Streamline your payments processing with integrated clearing and settlement. Our advanced reconciliation keeps records up to date, minimizing discrepancies and facilitating seamless transactions.

Expanding functionalities

Innovate and enhance your service with the latest payment tools, including tokenization, virtual cards, and digital wallets, as well as value-add services such as ‘Buy Now Pay Later’ functionality or loyalty and reward programs.

Compliance at scale

Our platform ensures full compliance with PCI-DSS standards. From masking card numbers, logging user access, to encrypted storage, and robust access control – we prioritize security and compliance in our operations to protect your business and customers.

  • Full-lifecycle control

    Manage every essential process from a single platform, from card creation to activation, facilitating stops and locks, navigating upgrades and downgrades, handling replacements and renewals, and managing limits and restrictions.

  • Robust authorization engine

    Safeguard your operations and build trust with our advanced authorization engine, ensuring secure transaction authorization, efficient merchant restrictions, and sophisticated fraud validation.

  • Efficient payments management

    Streamline your payments processing with integrated clearing and settlement. Our advanced reconciliation keeps records up to date, minimizing discrepancies and facilitating seamless transactions.

  • Expanding functionalities

    Innovate and enhance your service with the latest payment tools, including tokenization, virtual cards, and digital wallets, as well as value-add services such as ‘Buy Now Pay Later’ functionality or loyalty and reward programs.

  • Compliance at scale

    Our platform ensures full compliance with PCI-DSS standards. From masking card numbers, logging user access, to encrypted storage, and robust access control – we prioritize security and compliance in our operations to protect your business and customers.

“It’s about seeing the needs of clients today but also the confidence that as new challenges emerge, both in technology and in the economy, that you’re working with a partner that can go on that journey with you.”

Tam Holmes

Co-President, Chief Commercial Officer at Bank of London