Credit Cards and Payments Management Services | HCL Technologies

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Credit Cards & Payments Management

The aftermath of 2008’s financial crisis was a period of uncertainty and painstaking reassessment. Since then, the payment services sector has fundamentally altered itself – rapidly moving towards a better and brighter future. HCL is a part of this transition. Our cards micro-vertical offers a full-fledged retail financial services package, including merchant acquiring, credit card payment processing, and fraud detection.

We also partner with secure payment solution providers such as ACI and eFunds, delivering absolute system integration in-sync with customer specificities. And our alliance with In-Solutions Global (ISG) helps banks architect a smart ‘exception-based management' of the cards business, which includes:

  • Debit and credit card payment processing and management systems
  • Acquisition management systems
  • Value-added services (CRM, loyalty management, payment gateway)

What’s next on the innovation bridge?

Our customers are always at the center of every HCL initiative. HCL's e-Payment Bridge is a leading online payment gateway technology targeted at enabling banks to provide value-added services to their corporate and retail clients.

Underneath the ‘bridge’ are a set of finely tuned cogs and wheels, a ‘Hub and Spoke’ model, wherein ‘hub’ includes merchant management, transaction management, hub user management, refund, settlement rules, broadcast, reports, risk management, key management, and bulletin boards. On the other hand, ‘spoke’ relates to transaction management, bulk file upload, and reports. This online payment gateway supports advanced fraud and risk control along with other enabling features.

We understand how risk confounds and fraud drives uncertainty. HCL will continue to foster digitization as a bedrock for robust security.

HCL Cards Business Services

A wave of transformation is sweeping through the competitive cards market. This transformation is leading card issuers to employ measures to attract and retain profitable customers and minimize customer churn and losses accruing from delinquent customers. It is also driving the card issuers to innovate and develop new strategies to standardize operations, focus on core business areas, and offer differentiated services to the market. HCL Cards Business Services practice comprises domain experts, industry practitioners, and other consultants. They provide functional and domain support aimed at providing transformational benefits to clients facing market pressures and business challenges. 


HCL Cards Business Services


Our partnerships bring the relevant technology, industry and domain knowledge together, with tested products, to present a complete joint solution for our customers. By working together with partners, HCL augments and supports all solution and technology requirements and ensures that the best results are delivered.

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