Digital Payment Proposition 

At AUSTRIACARD, we believe that we must focus on an integrated digital payment solution creating a real value for consumers and allowing to facilitate payments from a consumer’s card account over a variety of payment channels and across numerous use cases. We are thus focusing on building a digital product proposition which, when delivered to a consumer, will create a seamless multi-channel payment experience under a harmonized ‘look-and-feel’ irrespective of a payment use case.         

Our current proposition encompasses solutions for POI, online, and P2P channels that are supported by tokenization services provided by the payment schemes and enhanced by a variety of added-value services – all available from one hand and delivered to a payment card issuer within a single wallet application framework by AUSTRIACARD.  

Pin over Electronic Methods 

AUSTRIACARD has developed flexible and secure methods for PIN Distribution in order to assist customers to meet new mobile-centric consumer’s expectations and at the same time increase loyalty of customers and enabling instant response to their requests.

Using either two- or three- factor authentication processes AUSTRIACRAD offers the following methods for PIN transmission:

  • PIN over SMS 
  • PIN via Email
  • PIN via App

Digital Onboarding

A solution especially designed for banks, insurances and utilities. Digital onboarding of a new customer with our solution becomes a unique customer experience. By applying truly customer-centric design methods along with e-IDAS certificates, the process becomes as easy as possible for the customer, reducing the effort required to apply and sign up. Some of the features included in our solution are:

  • Video Identification
  • Facial recognition
  • One time or up to 5 years certificates
  • E-IDAS compliant solution (QES, AES, HTML5)
  • Advanced User Interface providing unique user experience


Instant Issuing

Instant issuing of card with “pre-personalized ” card and final personalization in the bank.


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