Prepaid – Card Issuance and Management System


Paynorm CMS is a comprehensive card payment solution for banks, financial institutions, processors and retailers who wish to issue cards and accept electronic payments. It supports all aspects of card and merchant management, payment authorization, clearing, and settlement.

The Paynorm Prepaid Solution delivers end-to-end prepaid functionality while maintaining the flexibility to work with third-party vendors. It is a powerful and intuitive service creation environment which enables the rapid creation of unique, innovative services. It includes the sophisticated customer models (families, hybrid customers) as well as multi-tiered hierarchies for corporate customers. The Prepaid Engine is the central hub of all storage, processing and entire program management.

Key Features

  • Supports multiple card programs like prepaid, loyalty, Gift, Pre-paid with Loyalty, Discount, Mall, Group, Corporate, government benefits, general purpose reloadable, healthcare, travel and more
  • Supports multiple card types (Physical/Virtual) Magnetic Swipe, barcode, RFI, EMV, Ring and Mobile Wallet OTP, NFC
  • Targeted and differentiated Card products; Exhaustive Fee Catalogue
  • Comprehensive Prepaid Card IssuancePlatform, supports Co-branded and private label cards.
  • Card Logistics, dispatch and delivery tracking & Inventory Management
  • Targeted propositions and flexible Merchant agreements
  • Multi-Hierarchy Merchant with Outlets & POS Configurations
  • Multiple Merchant POS Options – PC POS, Widgets, EDC, and Mobile based
  • Parent Child Customer Relationship, Bucket and profile management
  • Flexible Recharge of modes like Cash, Cheque, RTGS / NEFT or net banking
  • Customer and Merchant Self Service Portal
  • Automated settlement, reconciliation
  • Reports & MIS - Provides a rich set of reports for Card Issuers, Partners, Merchants and Cardholders
  • Call Center/ Support Center Portal
  • Administration Portal
  • Multi-Hierarchy Manufacturer & Product Catalogue Management
  • Risk Management (Limits & Velocity Checks) - Control on spends for efficient fund management

Technical Features

  • User Configurable Dashboards - Provides a rich set of Graphic reports, Customizable as per customer requirements.
  • Easier card management with multiple web interfaces
  • Powerful Administration - Group and Role based system access
  • High PerformanceSystem
  • Based on Custom & ISO Payment Standards –ISO 8583
  • User Customizable type of Layouts, Graphs, Alignments
  • Secured and Safe PIN Based Point of Sale (EDC) transactions
  • 24 X 7 Online Account Management
  • Customized receipts printing on POS
  • Multi Language including L2R and R2L languages
  • Various Configurations available like Customer Fields, User Configurable Password Policy
  • Multi Time Zone
  • 4Eye Verification/ maker-checker concept


  • Fleet Management Program
    • Complete fleet management solution to fleet owners and operators
    • Efficient management of fleet, through greater control over fuel consumption and operating costs
    • Solution to corporates for fuel management and gifting
    • Tracking of vehicle and Mileage Calculation
  • SaaS Model - General purpose Prepaid program
    • Zero / low Capex Solution
    • Quick Onboarding and implementation
    • React quickly to market trends and stay one step ahead of the competition
    • Call Center / support Center Setup
    • Card Personalization and Logistics Ecosystem
    • Bank Integration for card loading and merchant settlement
    • Integrated Loyalty System
    • Integrated Reporting and Analytics Engines
    • Integrated with POS solutions
  • Custom Solutions
    • CUG programs for cafeteria, campus, travel are out of the box available
    • The industry/domain specific solutions can be provided on request