Flexible and comprehensive Payment Card
Application for all Credit, Debit and
Prepaid Card business needs across Issuance,
Acquiring, Delinquency Management, Loyalty
Management and Fraud & Risk Management
Browser based system supporting multiple
organizations, languages and currencies.
Supports traditional magnetic stripe
Complies to most secured EMV specifications
enabling organizations to process Chip
Facilitates innovative & tailored
product launches, including co-branded
cards to specific market segments.
Supports multiple credit lines upto
15 lines with validity periods, installment
plans and varied interest rates.
Supports Instant Card Issuance
In-built installments module which supports
end to end processing of installment transactions
including amortization, pre-payment and
Flexible merchant hierarchy with workflow
based merchant enrollment, efficient Terminal
management, horizontal & vertical
merchant chain relationships and differential
merchant settlement options.
Comprehensive workflow based dispute
management and interchange settlements
Parametric definition of delinquency
measures and the tracking of key delinquency
indicators aids in effective portfolio
Fraud early warning module for effective
risk management across the Issuing and
Supports Minimum Due Re-finance and
Debt Renegotiation for effective delinquency
Multi-product Loyalty module with transaction
based rewards along with differentiated reward
programs based on MCC, Product type, Merchant
and Transaction type.
Polaris line of Card Management Solutions
has a differentiated architecture among Card
Management Vendors in that it is a SOA enabled
solution that has Capacity Maturity Module
Integration Level 5 Certification" -
and a cost efficient system built utilizing
Handles over 10 million card volumes
with 1000 plus concurrent users.
Measuring Intellect Cards performance
on IBM Power Systems and IBM AIX .