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The impact of the credit crisis has greatly affected the credit card business.

HCL’s retail lending product has been engineered to cater to the origination of credit cards, besides other retail loan products. Our Cards micro-vertical provides complete retail financial services for cards related to issuance, processing and servicing of credit and debit cards. We provide solutions in the areas of merchant acquiring, processing, EMV cards, and fraud and SEPA credit cards. HCL has expertise on various CRM applications for banks issuing both credit and debit cards.

We have proven experience and strong technical competencies in application development and maintenance in relation to Internet commerce across all digital channels. HCL's "e-Payment Bridge" is a leading card payment gateway technology solution that is focused on providing value-added services to banks in the corporate and retail sector.

HCL has developed relationships with leading secure payment solutions providers like ACI and eFunds to provide 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.

Service Offerings

HCL Cards Service Offering

HCL - e-Payment Bridge

HCL's e-Payment Bridge is a leading-edge card payment gateway technology solution targeted at enabling banks provide value-added services to their corporate and retail clientele, engaged either in e-businesses or in institutions/ corporates (such as universities and utility companies) accepting e-payments to facilitate students/customers. This payment gateway technology 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, and recurring payments), bulk file upload, and reports.

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

In-Solutions Global Partnership

HCL's partnership with In-Solutions Global (ISG), 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 and ISG provide the following solutions to the cards industry:

  • Credit card management systems
  • Debit card management systems
  • Acquiring management systems
  • MIS tools
  • Value-added services (viz. CRM, loyalty management, payment gateway technology solutions)
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HCL Cards Business Services
HCL Cards Business Services
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What Customers Say

“This is wonderful stuff, the type of activities that make a big difference to our customer. Truly great work, and please keep it up” – On Successful implementation of WRAP project.

–CIO Large Programs, Leading Bank in Australia and NZ

The combined efforts of our Asset Finance and Commercial Lending IT Service Delivery team and HCL have resulted in an 80% reduction in P1 and P2 incidents over 2010. This is a great testimony to Applications and Operations’ dedication to embed strong service management disciplines, including incident, problem, change, capacity, availability and service continuity management.

- CIO Retail & Business Banking ES, A Large Australian Bank