Processing for Issuers
A processing solution for all types of payment methods, both private and flag brands, such as credit cards, debit cards, prepaid cards, corporate cards, loyalty, fleet, and gift cards.
It empowers Issuers by reducing their operating costs, improving control and efficiency in business management through direct interaction with the main brands, leveraging advanced technology and the functionalities currently demanded by the market.
Lifecycle of Issuer
Card Lifecycle
Infinitus Anywhere manages the entire card lifecycle — from issuance to renewal, cancellation, or replacement.
It supports physical/digital, named/unnamed cards, with blocks, design changes, and EMV, contactless, or tokenized personalization.
Includes expiration planning, automatic renewals, and reassignment in shared accounts.
A traceable, auditable, and configurable process that gives issuers autonomy, agility, and control.
Logistics and Distribution
Infinitus Anywhere includes specific functionalities for managing stock, personalization, distribution, and delivery of physical cards and digital devices. It integrates with multiple logistics providers and personalizers, in both batch and online modes, ensuring traceability from embossing to final delivery.
It supports on-demand printing, inventory control, status tracking, and incident management, while complying with EMV, contactless, and tokenization standards.
This comprehensive solution ensures operational efficiency, regulatory compliance, and a consistent user experience, allowing issuers to delegate logistics complexity without losing visibility or control.
Authorization Control
The authorization engine of Infinitus Anywhere validates every transaction in real time, enforcing authentication, funds availability, limits, and regulatory rules.
It allows dynamic rules based on behavior, user segmentation, security, and risk profile, with controls by merchant type, frequency, channel, location, and timeframe.
Integration with scoring engines and monitoring systems strengthens fraud prevention, while instant responses enhance the end-user experience.
Issuers can adjust parameters online, enabling efficient and customized management of their transaction model.
Promotions and Loyalty
Infinitus Anywhere includes a powerful engine for promotions, benefits, and loyalty programs, designed to strengthen engagement for both end customers and affiliated merchants.
It enables personalized campaigns by profile, channel, merchant type, or behavior, with rules applied in real time during authorization or settlement. It manages points, cashbacks, discounts, and vouchers, with full traceability and monitoring of applied conditions.
This functionality gives issuers the ability to differentiate their offer, improve retention, boost usage frequency, and generate added value for both private label and global brand cards.
Credit, Debit, and Prepaid
Infinitus Anywhere manages credit, debit, and prepaid products in a single transactional environment, operating with own balances or integrated with external systems and digital wallets.
It supports named/unnamed, dual, and multi-currency cards, with real-time balance control, custom limits, incentive programs, purchase deferrals, and multiple closing groups.
It also enables the issuance of social, corporate, agro, and gift cards, allowing issuers to deliver flexible, segmented, and agile solutions for every end-user profile.
Settlement and Statements
Infinitus Anywhere streamlines the statement generation and settlement process, allowing multiple closing dates or groups based on customer or product profiles. It manages charges, adjustments, taxes, and fees through configurable rules by channel, transaction type, or segment.
The platform produces electronic or physical statements with smart grouping of transactions, custom messages, and online viewing. Its flexible architecture adapts to local regulations and issuer needs, ensuring accuracy in balance consolidation and clarity in information presentation.
The entire process is traceable, automated, and fully adjustable through functional parameters.
Physical and Virtual Cards
Infinitus Anywhere enables the issuance and management of physical, digital, and virtual cards, adapting to different business models and delivery channels. It integrates with personalization providers for embossing and printing, either in batch or real-time mode, and with digital wallets for instant activation of virtual credentials.
In tokenization schemes, the platform can interoperate with third parties, but also offers—through Orquesta—the ability to manage proprietary tokens and handle direct integrations with the brands.
The entire process aligns with the card lifecycle, from creation to replacement, renewal, or cancellation, ensuring traceability and security at every stage.
Visa, Mastercard, and Private Labels
Infinitus processes transactions under brand schemes such as VEA (Visa) and MIP (Mastercard), enabling local and international processing of credit, debit, and prepaid transactions. It also manages private label operations, connecting with their own authorization, clearing, and settlement systems.
This flexible architecture allows issuers, fintechs, and merchants to operate under their own brand or under the umbrella of a global brand, managing all operational flows from a single processing point.
Infinitus ensures the critical processing of brand products in both domestic and international environments.
Tax Management
Infinitus Anywhere automates tax management related to transactions, covering calculations, withholdings, filings, and settlements.
It allows configuring tax rules by transaction type, jurisdiction, or channel, ensuring accurate settlement of taxes on purchases, fees, and charges. It also integrates with external accounting systems and generates detailed information for audit, reconciliation, and fiscal control.
This functionality ensures regulatory compliance, reduces the risk of penalties, and enables issuers to adapt quickly to regulatory changes, supporting them in markets with high fiscal complexity.
Visa
La automatización de procesos críticos dentro de Smart Open optimiza tiempos y reduce la carga operativa. A través de la automatización de bajas, facilitamos la cancelación y desactivación de productos de manera eficiente y controlada.
Además, gestionamos la administración de siniestros, asegurando un manejo estructurado de incidentes y reclamaciones. Con el módulo de pase a gestión por mora, integramos herramientas de seguimiento y recuperación de deuda, mejorando la eficiencia en la gestión de clientes en riesgo.
Con Team Quality, agilice y automatice sus procesos operativos con una plataforma flexible y segura.
Clearing & Settlement
Infinitus Anywhere ensures an efficient and secure process for clearing and settlement, automating the receipt, validation, and processing of mandatory brand files such as Visa and Mastercard.
It enables multi-currency settlements, balance control, adjustments, reversals, and detailed transaction reconciliation. Its flexible rule engine adapts the clearing flow to each issuer’s operating model, with full traceability and audit tools at every stage.
The platform delivers accuracy and speed in closing financial cycles, ensuring regulatory compliance and transparency in the value exchange process.
