Cards

HCL's Cards micro-vertical provides services related to issuance, processing and servicing of credit and debit cards. At HCL, we have proven experience and strong technical competency in Application Development and Maintenance related to Internet Commerce.

We provide solutions in areas of merchant acquiring, processing, EMV cards, fraud and SEPA credit card. HCL also focuses on various CRM applications for banks issuing both credit and debit cards.

HCL's "e-Payment Bridge" is a leading payment gateway solution focused on providing value-added services to the banks in the Corporate and Retail sector. Please click here for further details.

HCL has developed relationships with leading software solution providers like ACI and eFunds to provide its clients with the best technology solutions in the marketplace. These relationships ensure that we leverage proven technology and industry solutions to deliver complete system integration and delivery capabilities based on specific customer needs.

The impact of the credit crisis has greatly affected the credit card business. Our retail lending product has been engineered to cater to the origination of credit cards, besides other retail loan products. Please click here for further details.

Service Offering

HCL - e-Payment Bridge

HCL's e-Payment Bridge is a leading-edge payment gateway solution targeted at enabling banks to provide value-added services to their Corporate and Retail clientele, either engaged either in e-businesses or in institutions/ corporates (such as universities and utility companies) accepting e-payments to facilitate students/ customers. The solution enables a secure, real-time, online payment bridge between the merchant's customer and the acquiring bank's back-end systems.

The product is built on a hub-and-spoke model and features:

Hub - Merchant Management, Hub User Management, Transaction Management, Hold, Refund, Settlement Rules, Bulletin Board, Broadcast, Risk Management, Reports, Key Management.

Spoke - Spoke User Management, Transaction Management (VPOS, Credit Card, Direct Debit, Recurring Payments), Bulk File Upload, Reports.

The product supports advanced fraud and risk control features and other enabling features.

In-Solutions Global Partnership

HCL's partnership with In-Solutions Global, a leading payment solutions provider and a major player in the cards industry, provides solutions for bankers to do effective 'Exception based Management' of their Cards business. Being web-based, ISG's solution allows ease of access and independence of location. HCL in partnership with ISG provides the following solutions to the cards industry:

• Credit Card Management system
• Debit Card Management system
• Acquiring Management system
• MIS tools
• Value-added services (viz. CRM, Loyalty Management, Payment Gateway Solutions)