Scrooge
Card System

Scrooge Card System is an end-to-end card processing platform supporting the full lifecycle of payment cards — from real-time transaction authorization to centralized balance and product management. It is designed for banks and regulated financial institutions operating high transaction volumes and managing diverse card portfolios.

Система для обслуговування платіжних карт із підтримкою повного життєвого циклу картки та єдиного залишку

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AUTHORIZATION SYSTEM

A REAL-TIME CARD TRANSACTION AUTHORIZATION ENGINE (CARD TRANSACTION SERVICE) THAT PROCESSES TRANSACTIONS INSTANTLY AND CONTROLS AVAILABLE BALANCES ACROSS ALL CHANNELS AND PAYMENT NETWORKS WITHIN A UNIFIED CARD PROCESSING PLATFORM.

BACK-OFFICE SOFTWARE

A CENTRALIZED ADMINISTRATIVE MODULE FOR MANAGING CARD OPERATIONS, INCLUDING ACCOUNTING, REPORTING, PRODUCT CONFIGURATION, TARIFFS, FEES, AND OPERATIONAL CONTROLS THROUGHOUT THE CARD LIFECYCLE.

FRONT-OFFICE SOLUTION

A BRANCH-LEVEL WORKSPACE SUPPORTING ISSUING SOLUTION SUPPORTING CUSTOMER SERVICING, ENABLING EFFICIENT INTERACTION WITH CLIENTS DURING ONBOARDING, DELIVERY, AND ONGOING CARD MAINTENANCE.

SCROOGE CARD SYSTEM PRODUCT KEY CAPABILITIES

A unified platform covering all components of card business operations — authorization, back-office administration, and front-office servicing — within a single processing environment.
Acquiring functionality, including management of terminals, merchants, and agents, parameter configuration, and reporting aligned with international payment schemes.
Full support for the card lifecycle: from ordering card materials and PIN delivery to issuance, servicing, and closure.
Centralized control of card products, fees, limits, and operations, tightly integrated with the core banking system.
A single, consistent balance across all channels and platforms, independent of payment network or delivery channel.
Support for Open-To-Buy scenarios, allowing a single card to be linked to multiple underlying accounts.
High level of operational automation to reduce processing costs, manual intervention, and error rates.
Support for modern card-related use cases, including paperless PIN delivery and peer-to-peer (P2P) transfers.