Our Solution

Eniac's Card Management Service

The cards market is highly competitive and regulators are making margins tighter. New partnerships and liaisons between business players are emerging where previous opportunities didn’t exist. To be successful, enterprises must seek compliant solutions that can turn innovative ideas into reality fast. Our card management system provides this and helps organizations maximize profit by minimizing operational costs and managing risk effectively.

Eniac Card management system is a comprehensive card management solution that supports all aspects of the issuing and acquiring business end-to-end. It is designed for banks, financial institutions, large retailers and telecommunications organizations that demand a high level of flexibility to launch new products quickly and cost effectively.

Card Management Processing Service

As a leading player supporting card issuers in strategic business.

Strongly experienced, our payment business technology is backed up by an industrial infrastructure that matches the highest level expectations of our clients.

You can rely on an end to end payment solution that complies with the most demanding loyalty requirements and covers 3 channels: Technical Processing, Cardholder Service, and our optional Value Added Services which allow us to optimally respond adaptation to customer needs.

Technical Processing

Includes financial and technical authorization, account management, card management, card personalization, and PIN management with the benefit of economy of scale.

Card holder service

Supports the issuer in the management of the contract lifecycle as an integrated and/or stand-alone service.

Value-Added Services

Our VAS portfolio helps the issuer’s customers to stand out in the market.

Through our Wallet platforms, you will be able to offer electronic wallets to your clients through the cloud , or even more innovative solutions such as mobile wallet.

Secure platform

Eniac delivers end-to-end card management services via its robust and secure platform: Eniac Core provides User security, reporting and business tools for business to respond quickly to market opportunities; Eniac Acquiring manages the complete merchant life cycle from account establishment through to settlement; Eniac Issuing incorporates card management, customer services, authorization, clearing and settlement, dispute management, billing, statements, collections, and risk management; and Eniac Payment Hub provides real-time transaction processing and secure connectivity to core banking systems, other switch networks, ATMs and POS networks.

Full life cycle issuing and acquiring

Eniac Acquiring


Provides online and offline real time transaction processing with full back office support for credit, debit and other forms of card payment – managing the complete merchant life cycle from account establishment through to settlement.

Eniac Issuing


Provides full online and offline transaction processing and all the functions expected of a fully-integrated back office card processing system – incorporating card management, customer services, authorization, clearing and settlement, billing statements, collections, and risk management.

Eniac supports issuing of credit and debit cards including:

  1. Domestic and International cards
  2. Revolving Credit cards
  3. Business and Corporate cards
  4. Prepaid and Gift cards including multicurrency Travel cards
  5. Loyalty cards
  6. Virtual cards for internet usage
  7. Private Label and non (embossed) personalized cards
  8. Charge Cards
  9. Chip cards and Contactless cards
Modular implementation

You can choose to implement the acquiring module or the issuing module, or both. Regardless of the chosen module/s, all include: system controls, security and interchange & financial transaction processing.

Customer centric

Eniac lets you use customer queries and other points of contact to leverage stronger customer relationships. The customer-centric design allows you to view the total customer relationship at a glance across all cards and accounts.

Third-party integration

The Payment Hub provides a fast and secure way to link to any third party via a switch and is compliant with ISO8583 security. SHETAB card schemes can be connected directly to the Payment Hub along with existing retail schemes, core banking systems, ATMs, POS and mobile networks.

Risk Management

Real-time processing and financial integrity with daily balancing, providing effective risk management Fraud alerts are generated for both issuer and acquirer in real time and near real time.

Low Operational Cost

Internal IT and operational support ensure costs are kept low due to the solution’s business enablement, highly automated system. Eniac can run commodity servers and is scalable to meet your needs as your business grows.

At a glance
  1. Modern design allows customers to launch new products faster
  2. Uses open systems/architecture to significantly reduce cut operating costs
  3. Real time processing 24 x 7
  4. Multi issuer and multi acquirer capability
  5. Multi currency and multilingual
  6. Online System remains always available
  7. Daily self balancing ensures financial integrity
  8. Used by some of the world’s most innovative, successful banks
  9. Flexible and scalable