Card Management System

For retail chains, merchants, and service providers, our end-to-end solution involves the issue of smart cards, or magnetic-stripe or multi-application cards, which are acquired in closed loop systems by a flexible range of accepted issuers and acquirers. Of course, transparent management of the cards and terminals, and delivery of an intuitive reporting portal or API, are the norm.

Account core module

The Switchio® card management system enables card and transaction management, built on a robust infrastructure.


Closed-loop payment systems


Electronic ticket distribution


Electronic receipt archiving


Controlled wallets


Reporting and Help portals

Card personalization service

In-house personalization and distribution of cards. Comprehensive personalization services for smart, magnetic-strip or multi-application cards.

Personalization data can be written to the following:

  • EMV cards
  • Contact and contactless smart cards
  • Magnetic-stripe cards
  • Multi-application cards (such as those for entry, meals, authentication and print functions – in one card)

We offer comprehensive services, from the physical design of cards and secure digital personalization of them, to graphical printing with embossing, indenting, thermal-printing, or laser-engraving technology. Our team will connect the cards to a carrier, sort and wrap them, print out PIN envelopes, and distribute them to the specified addresses.

We ensure the secure transfer of personalization data in accordance with PCI standards.

Personalization Center with MasterCard and VISA Certification.


We have delivered more than 8 million cards to our customers. We offer a complete service from choosing the design and chip, with magnetic or multi-application cards, to the secure digital personalization of various types of cards to emboss, indent, thermoprint, or laser engraving.

  • In-house software development, physical personalization and card distribution.
  • We have delivered more than 8 million cards to our customers.
  • Our own development and expertise gained through over 20 years of experience.
  • Stability and reliable service support.
  • A local team with high availability and an understanding of your business.



HCE - virtual card solution

Virtualize cards on smartphones with our HCE app. Solutions allow you to use your electronic payment card on your mobile. A security concept, which guarantees adequate security for activation and payment with non-banking cards in mobile phone with the NFC interface and Android OS.

Two ways of delivery


Mobile phone application with with graphical interface and all required functions


HCE SDK - mobile component without a graphical interface (white label)

Modular key functions of HCE mobile phone application

  • Transaction history visualization
  • Card activation/deactivation
  • PIN change (if supports CMS)
  • Card management options for the issuer
  • Interactive map with points of acceptance, etc.
  • Closed payment system for account identity management
  • Merchant Card Acceptance



Integration with existing IT systems


Flexible utilization


Online portal for card management and configuration


When personal data are prepared for physical cards, a profile of the emulated card is automatically generated on the HCE cloud server

Case study

Switchio® HCE for DOXX Virtual Card

Emulation of the smart card, DOXX Card in a mobile phone with NFC support. Optional payment via an emulated DOXX Card in a mobile phone at standard banking terminals, with support of contactless technology. DOXX – Stravné lístky has presented itself as a progressive company which was the first to offer the option of using NFC technology for payments using an electronic benefit voucher in the Slovak market.

Want to find out more? Interested in becoming a technology partner?

Get in touch.

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Za Dvorem 505
763 14 Zlín-Štípa
Czech Republic

ID: 26217783, TAX ID: CZ26217783


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