Overview
Feel the power provided by a fully digital payment platform: leverage on HPS digital payments platform to tailor the customer experience you need to your marketshare, both for the issuing & acquiring.
With HPS, you can quickly deliver relevant & innovative payment solutions to stand out in today’s crowded market.
PowerCARD - simple, seamless & secure: HPS is focused in one business - payments, and in one product - PowerCARD. All the R&D is invested in PowerCARD, our single technology platform that covers the entire payments value chain of Issuing, Acquiring & Switching.
HPS made a technology shift to offer the latest technologies. PowerCARD is a cloud-native platform, database agnostic, with a microservice architecture. PowerCARD modern payment platform is flexible & customizable, and globally scalable.
PowerCARD is a truly parametrisable platform that brings flexibility to your business. PowerCARD platform is natively multi-currency, multi-language, multi-scheme, multi-institution, multi-country, multi-time zone, multi-calendar, multi-address, etc.
Best-in-class payment software to create your tailor-made payments program
- Create new revenue opportunities all along the way: Fees, commissions, interests, etc.
- Enjoy real-time connection to any 3rd party: 350+ APIs supported to deliver fully end-to-end customer experience
- Scalable platform to match your needs today & tomorrow: Manage easily any volume increase or decrease
- Global connectivity: Connect with any international payment network and 35+ national card schemes
- Compliant with regulations & certifications: SEPA, EMVCo, PCI DSS, nexo, etc.
- Embrace a real omnichannel experience through a single platform
- Cloud-native, event-driven & designed to meet the performance requirements of the largest financial institutions
Key Features
Shape your unique digital payments experience
- Manage in real-time any card, alternative payment means & accounts
- Launch any product in weeks (credit, debit, prepaid, corporate, fleet, etc.), in any format (virtual or physical cards, mobile wallets, smart objects, etc.)
- Innovate with numberless cards, instant payment, virtual cards, AI, data enrichment, voice payment, accessibility and security for all with one-time PIN solutions, etc.
- Offer tailored solutions for merchants such as instant merchant onboarding, instant settlement, support any traditional & alternative payment methods, payouts, DCC, ensure fraud-prevention & payment security, etc.
Launching payment innovations that matter for your customers & merchants
- Tap & Go payment: Simple & seamless contactless payments
- Instant self-servicing: Access & manage card spending controls, change PIN, settings, plan installments, issue virtual cards, QR codes, etc.
- Digital Wallets: Support the deployment of any mobile payment use cases such as P2P, P2M, G2P, P2B, etc.
- Account-to-Account: Leverage A2A payment rails to propose innovative payment solutions to businesses & consumers
- Virtual Cards: Launch new Digital-First products for individual & business customers
- Buy Now, Pay Later: Turn instantly a transaction into an installment
- Corporate cards: Boost your margin offering high value Corporate cards to large enterprise & small business clients
- Multi-currency cards: Offer convenient and flexible multi-currency payment products to both businesses & consumers
- Instant: Supports instant merchant onboarding and instant merchant settlement
- Loyalty at POS: Differentiate with unique customer loyalty programs with instant redemption
- DCC: Propose Dynamic Currency Conversion (DCC) at your prefered point of sale
- Omni-channel management: Offer the highest levels of flexibility: purchase online, return in store, etc.
- Accept all payments: Visa, Mastercard, Diners, Discover, UPI, JCB, ... card payments, wallet payments, etc.
- Get your money faster: instant settlement, same day settlement
- ... and much more!
Key Benefits
Digital-First is here, get onboard: excel in your market, and keep growing.
1. Designing & providing the best Customer Experience.
Avoid churn, retain existing customers and attract new ones by leveraging on uniqueness, hyper-personalisation and a feature-rich digital payment experience. Provide simple, seamless and secure payment experiences.
2. Optimising & securing your business: driving revenues up, costs down.
Generating new revenues by addressing several segments, creating sophisticated business models, launching new & competitive products.
3. Keeping up with changing market dynamics & improving your Time To Market.
Adapt dynamically to any market or regulatory changes: launching quickly new digital products, tokenization, virtual cards, alternative payment methods, etc.
4. Innovating today to create tomorrow’s payment experience.
Offer digital & mobile products such as virtual cards, numberless cards, instant payment, AI, voice payment, accessibility and security for all with one-time PIN solutions, next generation and digital onboarding, BNPL, wallet, real-time, extended controls, etc.
