Payment Services
EMV Cards
AUSTRIACARD’s ACE payment chip product portfolio is fully compliant to the latest EMV specifications and provides a wide set of EMV functionalities. From native to Java Card product lines – AUSTRIACARD’s experts are putting together tailor-made and best-in-class solutions applying contact-based, contactless or dual interface technology.
The operating system is the heart of smart cards. We at AUSTRIACARD know that it is essential to have the right card in the right place offering native as well as open operating systems.
ACOS, AUSTRIACARD’s native operating system, is available for contact-based, contactless and dual interface solutions. ACOS forms a closed system and consequently offers extra security. Our in-house development team is flexible to your needs and provides customized applications and functionalities for your payment cards. All open systems contained in the payment product range guarantee absolute independence. Standardized applications ensure international compatibility and leave ample space for all kinds of adaptations.
Benefits
The operating system is the heart of every smart card. ACOS, AUSTRIACARD’s native operating system, is available for contact-based, contactless and dual interface
solutions.
ACOS forms a closed system and consequently offers extra security. Our in-house development team is flexible to the needs of our customers and provides customized applications and functionalities. All open systems contained in the payment product range guarantee absolute independence. Standardized applications ensure international compatibility and leave ample space for all kinds of adaptations.
Metal Cards
As an evidence of the evolution in the Payment Industry Trends, Metal Cards are a symbol of elegance, simplicity and beauty which stand out from standard payment cards as a premium product that differentiates the brand they represent. Traditional institutions propose metal cards to their wealthiest customers, whereas Fintech’s have a distinct strategy.
FinTech’s are adding metal cards as an additional product in their portfolio, customers who are willing to pay for metal cards premium and distinctive advantages, will sign for them. Millennials are the group showing the highest interest in this product.
Metal cards are manufactured with high quality materials and special production techniques not available in standard cards. Appealing and sophisticated designs, combined with a unique touch and feel, make customers feel they are getting a prestigious and durable mean of payment, not an ordinary card.
Our range of Dual Interface metal cards contains a minimum of 54% post-consumer recycled material, consisting of 65% post-consumer recycled stainless steel.
Our Metal Cards portfolio offers an extensive range of possibilities in design which allows each and every client to find the ideal type of the Metal Card according to the expectations of the customer. Metal Cards can be produced with Contact and Dual Interface Technology, both certified by Mastercard and VISA.
Sustainable Cards
Our commitment to the preservation of the environment and to AC group responsibility towards the society has led us to adapt our materials and manufacturing processes from a sustainability perspective. This ensures that we operate in a manner that minimizes our ecological footprint in line with the actual society concerns.
Our Recycled PVC cards (rPVC) are made of post-manufacturing material coming from different industries. By issuing a card with rPVC, you will be contributing to the reduction of first-use PVC in the payment industry.
We have been granted with VISA & MC certifications for cards made of rPVC as well as MC Sustainable Card Badge certification
Benefits
rPVC behaviour during manufacturing is exactly the same as first use PVC; The same effects and finishes can be achieved in a rPVC card. PVC and rPVC have the same durability.
Special Features Cards
Special Inks, foils, edge decoration, features, varnishes, visually impaired cards
We manufacture cards with unique characteristics using our deep knowledge in printing techniques and our expertise in card production.
We will accompany you throughout the design process of your card, selecting the right effects in each case to achieve the card that you had to envision or to take it to a higher level.
Contact us for more detailed information on the printing and production possibilities we can propose you to enhance and make your card designs unique.
Products
- Coloured cores / Decorated edges:
Make your cards stand out the wallet of your customers by adding a colour on the edge of the card. You can get that with a coloured core or with a new technique consisting of adding a color to the edge of the card.
A wide range of pantone colors are available, including metallic effects in silver, silver holographic, gold, and fluorescent colors that will bring a WOW effect to the cards. - Metallic radiance
Add the radiance of metal to your cards. The card design is printed on top of a metallic foil, the result is a dazzling metallic effect that can cover the whole card or only parts of it. Light bounces off the metallic surface and enhances the visual aspect of the card. This effect is available in plain metallic and in holographic. Try the holographic for an astonishing result. - Translucent
Translucent cards offer multiple design and colour possibilities. Cards can be completely translucent or can alternate opaque and translucent areas to increase the light and solid effect on the cards. Translucent cards incorporate a feature to securitize their operability in ATM and POS machine. - Special inks
Inks with metallic particles, variable inks that will change of colour with the movement of the card, fluorescent and phosphorescent ink… many other inks are available we know how to use them to match your design expectations. - Matt & Gloss
Consists of the printing of a scratch resistant varnish on top of the laminated sheets. Varnish will highlight parts of the design, providing contrast between the varnished and non-varnished areas. Combined with polished or matt lamination, contrasts are truly boosted. - 3D effects
Add some deepness to your cards using the 3D effect. A complex printing technique that will create a 3D effect in certain areas of the card. The outcome is a card where selected elements are stylishly coming out from the design. - Magnetic stripes
Magnetic stripes are too often neglected in the card designs; add a coloured magnetic stripe to your cards or take advantage of this space by overprinting the magnetic stripe with some information for your customers (web page, phone number…). Use a magstripe to the edge of the card for a more minimalistic effect in the back.
Biometric Card
Our N-BioCard is a Dual interface payment card that incorporates an extra layer of security in the payment transactions. Cardholders approve the transactions via a fingerprint sensor embedded in the card instead of introducing a PIN in the terminal.
N-BioCard is an innovative payment solution addressing the security concerns of many cardholders.
Surveys show the willingness of cardholders to pay additional fees to obtain a biometric card, they are a new source of revenue for issuers.
Benefits
- Convenient: no payment limit for a contactless transaction
- Hygienic: no need to touch the pad numbers in the POS
- Secure: if the card is lost/stolen, as the fingerprint authentication is always required, no low-value contactless payments will be possible.
How it works
Payments with our N-BioCard are done by tapping the card into the POS terminal just like a regular card; the difference is the authentication method. All transactions with N-BioCard, no matter for which amount, require fingerprint authentication. This authentication is achieved by pressing the fingerprint sensor when tapping the POS terminal. PIN code can still be used with N-BioCard as a fallback solution whenever the customer’s fingerprint can’t be used.
Fingerprint enrolment
The first step to be able to use N-BioCard is to enrol the fingerprint data in the card. The process of enrolment is straightforward and can be done anywhere by the cardholder using a sleeve or a mobile application. Enrolment is done in few seconds, once completed the card is ready to be used.
The fingerprint data is securely stored only in the Secure Element of the card to ensure that cardholder’s data is protected. Biometric data never leaves the card.
Smart Wearables
AC contactless wearable is a bank card with the size of a SIM, a new EMV payment solution that gives you freedom to pay fast and easy with a simple tap on any POS.
Contactless wearables are delivered in CR-80 card format to enable their personalization with standard contactless card personalization equipment.
Wearables are an additional payment device that may be proposed as a companion to a Dual Interface card or as a separate standalone product.
The contactless wearable can be inserted in a large choice of form factors, such as wristbands, bracelets, watchstraps, keyrings or any other devices that you fancy, as long as they are not made of metal.
Benefits
A convenient means of payment for festivals, outdoor activities and everyday life.
How it works
To use the contactless wearable, you just need to snap the card wearable from the shuttle-card and introduce it in the form factor of your choice. That easy! Your customer is ready to pay!
Gift cards & Loyalty Cards
Gift cards are a staple business marketing tool and a preferred gift of choice for consumers. Working with a capable gift card manufacturer is vital to ensuring the success of your campaign. We work with retailers and other businesses to ensure their gift cards and accompanying carriers are of the highest quality, while also ensuring the look and feel is appealing to the audience.
We can work with you from initial concept creation, right through to the fulfilment of the cards to the customer. Offering you a full suite of gift card solutions and allowing you to pick which services you need our help with whether it be just card production or if you need a full-service vendor. We even offer white-label eCommerce gift card design, order and fulfilment platforms to enable you to reach customers online as well as in-store.
Our customised digital egift solution bridges the gap in retail gift card service models for the ultimate retail consumer & business gift card experience on-line through our proprietary webshop and back-end services.
Incorporate Loyalty cards into your product portfolio and incentivise, reward and retain your customers with plastic printed loyalty cards and membership cards, we can handle the full in-house production from loyalty card printing through to encoding, embossing, thermal printing and inkjetting your products.
We support you to ensure your loyalty card scheme meets the needs of your customer such as ensuring you choose the correct card type, whether that be a standard CR80, key fobs, or a choice from a range of custom shapes. We can also help you with carrier production and fulfilment of your loyalty cards to your customers.
Personalization Services
AUSTRIACARD has more than 30 years of experience in card personalization. Currently the group operates nine personalization centers as well as an unrivalled distribution network all over Europe, the MEA region and South America. Having established such multinational infrastructure enables mutual backup and DR opportunities but most importantly optimized delivery capacity, distribution channels, and short lead times.
All personalization premises are certified, among others, by Visa and Mastercard. AUSTRIACARD offers ready-to-use personalization solutions for the ACE product lines.
The different personalization services
- All-in-one card personalization
- Chip personalization along with software modules.
- Data management system.
- Carrier printing.
- Support for a number of desktop personalization machines.
- Chip personalization
- Personalisation software modules.
- EMV data preparation services and consulting.
- Personalisation test tools.
- Magnetic stripe encoding
- Optical personalization
- Embossing
- Indent printing
- Laser Engraving
- Thermo printing
- Custom card printing
- Lettershop fulfilment
A large part of the carrier and advertising material accompanying the cards is printed on premise leading to shorter response times. Special packaging or fulfilment services can be provided.
e-PIN Services
We have 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 AUSTRIACARD offers the following methods for PIN transmission:
- PIN over SMS
- PIN via Email
- PIN via App
Benefits
- Secure
- Fast
- Cost saving
