Who We Are Who are we, what we do and how we do it.

What We Do

Cardzone Sdn Bhd provides turn-key solutions to customers using our flagship Card Management System: Cardzone CMS.

Issuing Functionalities includes:

Product Management Management of the type of cards accepted(card plans, account types and card schemes) and product rules (fees, transaction limits and others)

Origination Application processing, customer profiling, scoring, credit bureau integration and account setup

Card Issuing Provisioning the physical support of the payment instrument (plastic card printing, personalization, distribution and others)

Relationship Management System records payment products, customer and account management, customer service statement production and communication, collections, dispute management, renewal, replacements, and reward programs

Operational Risk Management Key management, internal, customer and store fraud prevention, foreign exchange risk for cross-border payments, and business continuity

Transaction Management Channel delivery (point of sale [POS], Internet and automated teller machine [ATM]), authentication, authorization, switching and settlement

Portfolio Management Financials and governance, such as key metrics (active card ratio, transaction cost and so on), analytics and modeling

Acquiring Functionalities includes:

Service Management Management of the types of cards accepted (card plans, account types and card schemes), and product rules (discount rates, fees, transaction limits and others)

Origination Management of independent sales organizations (ISOs), application processing, merchant profiling, credit bureau integration, account and terminal setup and merchant settlement

Relationship Management Systems of record (payment services, merchant service, statement production, communication, payment, dispute management, terminal maintenance and replacements, agreement termination, and reporting

Operational Management Channel management, including managing device connection and setup (POS, ATM, contact center and so on)

Risk Management Fraud prevention, monitoring and business continuity

Transaction Management Acquirer transaction interface, switching, host interfaces (bank, switch and device), authorization, exception management and reconciliation mechanisms, and settlement

Portfolio Management Financials and governance, such as key metrics (sign-up rate, transaction cost and so on), analytics and modeling