LightCMS — modular card management platform
Start with CardMan and add modules according to your needs.
01
CardMan: Pulsing heart of your card ecosystem
Card and account management for the whole card lifecycle — from issuing and distribution to deactivation, with changes applied in real time. Provides fast processor onboarding, seamless issuing of new card products and smooth integration in the bank environment.
Various types of cardsPayment, benefit, fleet and membership cards, eWallets, tokens and crypto cards in one system.
Support for all schemesInternational card and even closed-loop schemes, multi-currency issuing and distribution.
Flexible spending logicFlexible limits, customizable restrictions and any account-to-card linkage (1:N, M:1, M:N).
02
@Core Engine: An authorization you can rely on
Acts as a centralized integration point for all authorization requests — from evaluation to communication, with independent and flexible decision-making. Guarantees robust processing during peak volumes, autonomous operations without external dependencies, and seamless support for multiple language variants.
Real-time authorizationEvaluates multiple authorization requests, allowing efficient handling of peak volumes and up-to-date decisions based on continuously calculated balances.
Autonomous operationProprietary logic works without relying on external processor settings; approvals and declines keep processing even if the core banking system is interrupted.
Flexible integration & routingSupports multiple language variants of authorization protocols (ISO 8583, ISO 20022, REST APIs) and acts as a secondary Stand-In mechanism.
03
RDS: Realtime Decision System for the ultimate security
Instant validation of authentications, authorizations and other events across your whole card portfolio. Empowers you with an automated fraud prevention system, smart restriction management, and zero-compromise performance that handles high volumes without sacrificing speed.
Advanced fraud preventionInstantly evaluates card lifecycle events, tokenization and authorizations to detect and prevent fraud in real time.
Smart restriction managementAutomated enforcement of transaction rules, robust support for black- and white-lists, and flexible configuration of counters.
High-performance engineBuilt on Google’s Common Expression Language (CEL), enabling high-speed processing and customizable behaviours such as tailored rules for VIP clients.
04
TranCore: Comprehensive transaction control
Complete visibility of all card payment transactions in one place. Delivers advanced search functionalities, transparent data source tracking, and an automatic reconciliation process to guarantee seamless financial operations.
360-degree transaction viewDetailed views combining authorization and clearing data through a multi-level matching mechanism, including data sources and settlement records with card schemes.
Multi-section portal interfaceDedicated sections for Authentications, Authorizations, Clearings, Transactions, Disputes and Settlements via the Back-office Portal GUI or API.
Automated reconciliationDaily reconciliation settlement reports with clearing records, with alerts triggered whenever a discrepancy occurs.
05
Loyalty: Turn transactions into lasting relationships
Support the growth of your business and keep customers loyal to your brand. A highly targeted reward system with automated point collection, advanced customer segmentation, and simple API-first integration without complex adjustments.
Reward every transactionAutomatically collect points, cashback or miles to encourage repeat purchases and strengthen brand loyalty.
Targeted campaigns & segmentationPrecisely tailored offers built on real data. Supports various reward types and multiple customer segments in a multilingual environment.
API-first integrationConnect the modern, scalable and GDPR-compliant module to your systems and mobile app without lengthy setup.
API
API-first interface for connecting your systems, front-end channels and card processors.
- Documented API for every module — fast integration with your systems and apps
- Adaptable adapters for seamless integration in a bank environment
- Processor independency: product logic is separated from processor specifics
Client logos
Get started
Book a demo of LightCMS
See the platform on live data — modules, authorization flow and the back-office portal. 30 minutes, no slides.
Who you'll meet
