Advantages for Issuers

XardPay has developed a family of advanced, interactive cards that could be described as "virtual companion cards”. Working alongside a mobile phone app that is securely paired to the XardPay card, the solution provides the perfect platform combining the best of both worlds – mobile and card payment.

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All products are designed from the outset to be:

Mass produced in high volume

Low cost

Fit within the existing global card manufacturing supply chain

Work in all ATM and POS terminals that read the EMV chip

Easy and intuitive to use with no change in user behaviour for payment

Life span in line with issuer expectations

Create an innovative offer - acquire new clients, get closer to your existing users

The state of the art technology and features of the XardPay card are interesting for all customers across the spectrum – from those who prefer conventional card payments, to early adopters pushing for mobile payments and new form factors. By pairing with the mobile app, send messages relevant to your card users such as offers and benefits, increasing your value to your customers.

Reduced costs associated with re-issuance

Imagine the scenario that your customer’s card data is stolen in one of the increasingly common third-party data breaches. With a conventional card, this would require the cancellation of the card and the personalization and re-issuance of a replacement. While waiting for the new card, your customer cannot perform any transactions and may by highly inconvenienced, especially if traveling. With the XardPay card, simply send a message to the phone app on your customer’s mobile device informing them they need to update their card data. A new card token is issued over the air via the existing, approved TSM, and the customer simply pairs their XardPay card with their phone and performs an update.

Your customer is quickly able to use their account, with minimal cost to you.

Increase card spending volume

The convenience and innovation of the XardPay card is assured to keep your brand in the coveted “top of wallet” position. In addition, card downtime is reduced in the event of third party data breaches that are out of issuer control.

State of the art security to reduce card present and card not present fraud

Security is at the forefront of everything we do, and additional security features have been made available on the XardPay card. Optional biometric sensor – flexible fingerprint scanner. This technology is currently experiencing strong interest in the payment card world. XardPay works with leading vendors of biometric technology to be able to offer the latest flexible fingerprint sensors to lock and unlock the card – the user can completely disable the XardPay card when not needed for payment, rendering it useless if it is lost or stolen.

As the use of biometrics as a cardholder verification method rolls out to the market to replace the conventional PIN, the XardPay card is ready to support this in the case where the original card issuer supports it. Similarly, where it is supported by a card issuer, any XardPay card product with a display can provide a dynamic CVV as per the issuer requirements. On top of that, the user controls when to connect the XardPay card to the phone or the payment network and can maintain a security “air gap” between the disconnected card and the connected world.

Designed to fit into your existing card supply chain

With an in-depth knowledge of the payment card industry, XardPay is able to provide solutions that can easily integrate into your supply chain.

This knowledge includes:

Personalization and fulfilment
Card graphics customization
The use of pre-laminated sheets for card assembly
High yield, flexible circuit manufacturing
Product approvals and certification
Off the shelf, dual interface EMV chips

Our philosophy is to make use of the huge, global, card industry infrastructure to cause minimum disruption to our customers.

High reliability is especially important in the payments industry and XardPay products are designed from the outset with this in mind.

Let us know your preferred partners and we can work together to provide your solution.