Tieto Banktech

Modern card issuing solutions for resilient banking

Q: Does Tieto Banktech support mobile wallets and tokenization?

Yes. Card Issuing SaaS and BPO includes tokenization and mobile wallets, as well as wallet enrolment and push provisioning to Apple Pay, Google Pay, and wearables.

Resilient and secure card issuing designed for financial institutions that balances cost, control, and growing customer needs.

Nordic roots, European scale

European customers

125+

Countries

Card issuer in the Nordics

Challenge

Banks and issuers need to launch new card products faster while replacing legacy infrastructure, meeting compliance requirements, and giving customers greater control over payments. Tieto Banktech helps issuers modernize with confidence through secure, resilient, and efficient card issuing.

Benefits

Why financial institutions choose our card issuing solutions

Modernize issuing operations without compromising resilience, security, or control.

1

Modernize with confidence

Move beyond legacy infrastructure through flexible deployment with proven migration to reduce risk and protect business continuity.
2

Control the full issuing lifecycle

Maintain visibility and governance across products, cardholders, authorization, settlement, billing, tokenization, and operational workflows.
3

Deliver better cardholder experiences

Enable richer cardholder experiences with a configurable, highly functional solution.

Deployment models

Two approaches to modern card issuing

Card issuing SaaS and BPO

For institutions seeking a faster path away from legacy platforms. Gain access to resilient issuing capabilities, operational expertise, and predictable delivery through a managed service model.

A cloud-native, API-first, and multi-tenant service model with optional BPO
An opt-in solution with easy-to-add new modules where you only pay for what you use
Automated card management, authorization, clearing and settlement, with support for all card types, digital cards, major wallets, and the capabilities you'd expect from a robust issuing platform.

Card issuing software

For organisations that require greater ownership of infrastructure, integrations, and operational processes while continuing to modernize using proven issuing technology.

Issue physical and digital card products (debit, credit, prepaid, and multi-application cards),
Customize workflows for authorization and settlement, and billing and invoicing,
Access fast, actionable, and connected data insights and reporting.
Add new revenue streams and expand to new markets with loyalty, multi-currency, and other capabilities.

Capabilities

Card issuing capabilities across the lifecycle

Explore capabilities that support card creation, lifecycle management, wallet enrollment, authorization, and customer service.

Debit cards

Credit cards

Prepaid cards

Card management system

Tokenization and mobile wallets

White label cardholder app

Fraud monitoring and EMV 3-D Secure

Future-ready issuing

Choosing an issuing partner is a strategic decision

Migration is a major investment. Financial institutions need confidence that their chosen partner can support innovation while protecting continuity, compliance, and operational stability.

Full product coverage

Decades of experience supporting complex card portfolios and large-scale issuing operations. Our system supports debit, credit, prepaid, virtual, full digital, physical, or physical/digital combination products across the issuing lifecycle.

Flexible deployment options

Flexible deployment models that balance innovation, cost efficiency, and operational control. Choice of multi-tenant, cloud-based SaaS and BPO services or software-led deployment, including public and private cloud readiness where relevant.

Built-in compliance and security

Resilient operating models designed around security, compliance, business continuity, and risk management. PCI DSS, PSD2, ISO standards and scheme approvals are built into all your issuing options.

Cardholder support throughout

Covers card issuance, wallet enrolment, spend controls, alerts, dispute resolution, and 24/7 support, along with lifecycle management for customers, cards, accounts,and tokens.

Card issuing

Modernize card issuing and keep control

Talk to us about the issuing model that fits your strategy: SaaS with or without outsourcing options, software-led deployment, or a phased route across products and markets.

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FAQ

Your questions answered

Who is Tieto Banktech card issuing designed for?

Our card issuing solution is well-suited for banks looking to modernize legacy infrastructure, fintechs that want to launch digital-first card programs, processors seeking to scale their platforms, corporate issuers needing to offer employee or customer cards, and merchants that want to offer financial services as part of the drive to embedded finance.

What capabilities are included in Tieto Banktech’s card issuing solutions?

Tieto Banktech’s issuing software helps banks and issuers create, manage, and process all card programs across the full card lifecycle. This includes card product setup, cardholder management, authorization, settlement, billing, invoicing, PIN management, reporting, APIs, physical and digital card production, loyalty and wallet support.

Which deployment models are available for card issuing?

Tieto Banktech supports both card issuing SaaS and BPO and card issuing software solutions. The SaaS and BPO route supports cloud-native, API-first issuing with modular services and optional outsourcing. The card software route supports banks and processors that need more controlled issuing capabilities and integration flexibility. Contact us to discuss the best solution to fit your unique needs.

What card products can banks issue with Tieto Banktech?

Banks can issue and manage debit, credit, prepaid, both digital and physical cards, or combined digital/physical cards. Our solution supports the full lifecycle for your credit and debit products, prepaid programs, mobile wallets, and cardless options. You can also use our card issuing solution to issue or manage travel and expense cards, payroll cards, incentives, and public disbursements.

Does Tieto Banktech support mobile wallets and tokenization?

What is the difference between Card Issuing SaaS and Card Issuing Software?

Card Issuing SaaS provides a cloud-based, API-driven service model that enables institutions to launch and scale card programs quickly, with the option to outsource operational processes. Card Issuing Software offers a software-led approach for institutions that need greater flexibility, control, and customization, supporting complex integrations and end-to-end card issuing across the entire programme lifecycle.