Card Setup Operations
The CardOps team manages the comprehensive card setup process, preparing partners for issuing procedures through multiple coordinated activities. The design review and approval process involves collaboration between CardOps teams, card schemes, and card bureaus, with Project Management providing essential guidance documents and utilizing standardized email templates for card setup communications. For VISA partnerships, this includes completing Co-Branding Forms and configuring VISA Token Service (VTS) settings, while Mastercard implementations require Mastercard Digital Enablement Service (MDES) configuration.
Partner fee and limit setup requires Risk department approval, with CardOps and Development teams handling standard configurations. When fees cannot be established through standard Paynetics systems, Finance teams coordinate external billing services to ensure complete implementation. Digital wallet integration encompasses Apple Pay and Google Pay setup procedures, requiring partners to complete Apple Opportunity questionnaires and provide documentation through the Apple Pay registration repository. CardOps teams register partners in the Apple Partner Hub Portal, granting access for partners to complete designated tasks outlined in the Partner Hub Portal guidelines.
Card stock ordering follows design approval, with partners confirming and ordering physical card production while defining delivery methods. CardOps teams request quotations from Allpay, including chip validity confirmations, while Project Management provides pricing to partners including applicable markups based on LOI or agreement terms. Partners receive guidance on chip expiry implications and dates, with Finance teams preparing invoices containing chip references and expiry information upon order confirmation. Payment completion triggers CardOps confirmation to Allpay for order processing.
Integration completion between card bureaus and processors is managed by CardOps teams, while pavement testing requires careful coordination. Partners receive advisement for test card delivery via DHL to prevent delays, with same-day notification protocols ensuring CardOps teams can update delivery methods appropriately. Test requests must be submitted during business hours before 17:00 EET to maintain efficiency.
Regarding the card design
Card asset format:
For virtual and digital cards - RGB color format 1536 x 969 pixels PNG (up to 3MB)
For physical cards - CMYK, Greyscale or Duotone
*important: Please ensure that the design files do not have rounded corners. All edges should remain sharp/square
General requisites (must have):
Card Scheme logo: Mastercard/Visa
Program identifier: Debit
App Icon format:
PNG image
RGB color format
100 x 100 pixels
Please find attached the templates and standards regarding the card scheme.
Please keep in mind that there are small differences in the requirements for physical, virtual, and digital card design. Let me know if you have further questions regarding the fees and limits table.
Furthermore, it is important to define shall you perform active or passive solicitation. It will reflect on the card setup.
Type of Solicitation:
Active solicitation - Marketing approach, where partners target people in a social channel in their native language. The marketing program is personalized for a specific country. Partner is to provide a list of countries where active solicitation will be performed and volume projections of card issuing/delivery per country.
Passive solicitation - Marketing approach, where the partner does not target a specific group of people, does not perform commercials in social channels, and does not personalize commercials for a specific country. Partners only have a website where an ordinary visitor can register.
Regarding card stock:
Order: Paynetics has a partnership with Allpay card bureau. The minimum card Purchase Order is for 1,000 cards. Allpay is responsible for production and delivery. Due to our agreement with Allpay, SCHEDULE 1 Specification & Services, declares that a spoilage rate of no greater than 5% of paper stock and 3% of card stock is budgeted. It means that a deviation in the purchase order and delivery is possible. (e.g, order 1,000 cards, and the Card Bureau informs you that only 996 were successfully added to your card stock. The Card Bureau won’t compensate for the 4 spoiled cards)
Card Stock: The card bureau is keeping the card stock. Partner is responsible for card stock order and Payment. (Check your financial proposal, where a 15% mark up could be also applied)
Leaflet Stock: Depends on your design requirement a paper stock might be required. For generic, no finish A4 paper , leaflet stock is not required. Partner is responsible for paper stock order and Payment. (Check your financial proposal, where a 15% mark up could be also applied).
Envelope stock: Depends on your design requirement an envelope stock might be required. Generic envelopes are fee of charge and Paynetics is responsible for envelope stock order and Payment. In any other envelope design Partner will take the responsibility (Check your financial proposal, where a 15% mark up could be also applied).
Card Delivery: Depends on your delivery preference could shipped by Royal mails, Bulgarian mails or DHL. Partner will be invoiced on a monthly basis for the total amount of shipped cards during the past month (Check your financial proposal, where a 15% mark up could be also applied).
Regarding Apple/Google Pay tokenization
Please find attached the form applicable for both Apple Pay and Google Pay registrations.
Key Note:
For VISA: Tokenization can only be enabled if both Apple Pay and Google Pay are activated together. Enabling tokenization for only one (e.g., Google Pay) is not supported under VISA’s current setup.
For Mastercard: Selective tokenization is supported. You may launch Apple Pay or Google Pay independently.
Apple Pay:
Registration is conducted through Apple’s Partner Hub platform. You will receive an invitation email at a later stage, once attached form is completed from your end.
*Please note that Apple requires all partners to implement both manual and in-app provisioning and to pass a LAB certification with approved by Apple laboratories.
If Paynetics is the technical provider of the app:
Paynetics will be responsible for both in-app provisioning setup and the LAB certification, in line with the current agreement.
If the Partner is using their own app or another technical provider:
The app must be PCI DSS Level 1 compliant, regarding to the in-app provisioning SDK requirements. The Partner is responsible to conduct a LAB certification.
PCI DSS Level 1 compliance is not required if the app is integrated with the Paynetics in-app provisioning SDK, though the Partner remains responsible to conduct a LAB certification.
Google Pay:
Registration is conducted via email, facilitated by Paynetics. Currently, Google does not require manual and in-app provisioning to be implemented at same stage.
If Paynetics is the technical provider of the app:
Paynetics will be responsible for both in-app provisioning setup.
If the Partner is using their own app or another technical provider:
The app must be PCI DSS Level 1 compliant, regarding to the in-app provisioning SDK requirement.
PCI DSS Level 1 compliance is not required if the app is integrated with the Paynetics in-app provisioning SDK.
In-app Provisioning:
In-app provisioning for both Apple Pay and Google Pay requires technical integration.
Paynetics can provide a commercial offer for the SDK in-app provisioning integration.
Alternatively, you may choose to develop the SDK on your own.
Dedicated BIN Setup
For partners requiring individual BIN configurations, Project Management coordinates with CardOps teams and organizes partner kick-off meetings. Project Management maintains continuous alignment with card scheme project progress to ensure seamless implementation.