SPARK ISSUING SUITE

End-to-end Issuing Lifecycle

From authorization to clearing, settlement, and dispute within one infrastructure.
Integrated Software & certified card personalization

Unified CMS orchestration and secure physical production under one accountable provider.
Multi-scheme & domestic interoperability with routing optimization

Centralized transaction orchestration across schemes, currencies, and networks.

Banks and regulated issuers face fragmented card infrastructures, siloed risk controls, and increasing compliance pressure that slow down program deployment and increase operational cost.

SPARK Issuing Suite streamlines the entire issuing stack, from card lifecycle management and real-time authorization to AI-driven risk control, within a single, API-first, PCI-certified infrastructure.
Beyond pure software vendors, SPARK Issuing Suite incorporates secure card personalization capabilities, delivered through Thales and Matica global partners, allowing banks to consolidate digital issuing and physical card production under one accountable provider.

AI-enabled infrastructure across the full card issuing lifecycle

Accelerated time-to-market for complex card programmes

Launch multi-scheme card programmes faster with modular issuing components, full API integration, and instant issuance without increasing operational costs.
Operational efficiency and end-to-end control

Centralised card and programme management with real-time tracking and automation to reduce manual processing and improve visibility.
Scalability, security and regulatory readiness

PCI-certified architecture built to scale across regions and volumes, with built-in controls, traceability, and international compliance to ensure secure and sustainable operations.

SPARK Multicard Management System (CMS)

Enabling scalable multi-card portfolio expansion

SPARK Multicard Management System (CMS) is the core orchestration engine of the SPARK Issuing Suite. Designed as a highly configurable issuing factory, it enables banks to :

Define and manage sophisticated pricing and fee structures
Administer the full lifecycle of millions of cards at scale
Configure limits, controls, and portfolio parameters in real time
Align card program design directly with customer wallet positioning
Accelerate time-to-market for new issuing initiatives
Maintain centralized control across the entire card portfolio

SPARK Authorisation & Switching

Real-Time transaction orchestration & intelligent routing at scale

The SPARK Switching & Authorization module is the real-time transaction decision engine of the SPARK Issuing suite

Direct connectivity to global schemes (EMV) and domestic switches
Intelligent domestic and cross-border routing
Approval and interchange optimization
Millisecond real-time authorization
Configurable routing and scheme prioritization
High-volume scalable processing
Built-in redundancy and high availability
Granular control over routing and risk parameters

SPARK Immediate Payment

Real-time processing and instant balance synchronization

The SPARK Core Immediate Payment module serves as the real-time processing backbone of the SPARK Issuing Suite, enabling instant transaction validation and immediate balance availability within a controlled, standards-compliant environment.

Execute low-latency, real-time transaction authorization
Synchronize balances instantly across channels and systems
Embed risk controls within the authorization flow
Apply dynamic limits and rule-based decisioning in real time

SPARK Clearing & Settlement

Automated reconciliation and settlement control across schemes & networks

The SPARK Clearing & Settlement module manages the post-authorization financial lifecycle, ensuring accurate transaction reconciliation, scheme compliance, and controlled fund settlement across global and domestic networks.

Process clearing files from international schemes and domestic switches
Perform automated reconciliation and exception management
Calculate interchange, fees, and net settlement positions
Generate settlement reports and financial postings
Maintain visibility over liquidity exposure and settlement cycles
Ensure standards-aligned, compliant settlement processing

SPARK Dispute Management

Scheme-aligned chargeback lifecycle control

The SPARK Dispute Management module centralizes and automates the full dispute and chargeback lifecycle, ensuring strict alignment with Visa, Mastercard, and international scheme regulations.

SPARK enables issuers to:

Manage end-to-end dispute and chargeback workflows
Enforce compliant handling of reason codes and representment cycles
Reduce chargeback losses, penalties, and regulatory exposure
Maintain full visibility over case status and resolution timelines

SPARK Trust & fraud Prevention

Integrated, Data-driven and AI-powered fraud prevention

The SPARK Trust module is the intelligent protection engine of the SPARK Issuing Suite, embedded directly into the authorization flow to detect and prevent fraud in real time.

Designed to strike a balance between security and customer experience, it utilizes advanced behavioral analytics and AI-driven scoring for every transaction.

Analyze transactions in milliseconds within the authorization flow
Generate real-time suspicion scores using behavioral intelligence
Continuously learn and adapt to evolving cardholder patterns
Detect account takeover, abnormal spending, and emerging fraud tactics

Cards Personalisation

Integrated physical card production within the same issuing suite (Hardware layer)

The Card Personalization module extends the SPARK Issuing Suite beyond software by integrating certified physical card production directly into the issuing stack. This ensures brand consistency, regulatory compliance, and secure data handling.

Certified, scheme-compliant production environment
Card design fully aligned with brand identity
CMS-driven configuration aligned with personalization parameters
Secure chip profile and payment credential configuration
Encrypted data & secure key management
Full traceability across the personalization lifecycle

Let's discuss your Issuing Transformation