Tieto Banktech

Card solutions for banks building resilience

Q: What are card services and processing?

Card services and processing cover the systems and operations banks use to issue cards, process transactions, manage mobile payments, produce and personalize cards, support merchants, and operate ATM services.

Q: Can banks choose between SaaS, BPO and software-led card solutions?

Yes. SaaS and BPO suit banks that want shared services and operational support, while software-led options cater for banks that need more control over deployment, integration, or infrastructure.

Q: How does Tieto Banktech help banks strengthen resilience?

We combine modern card technology with proven operational services, regulatory expertise, business continuity capabilities, and flexible deployment models that help banks manage risk while continuing to evolve.

Card management solutions that help you strengthen resilience, maintain control and modernize with a trusted partner.

Challenge

Drive growth with innovative card solutions

European card and payments transaction value is projected to reach €8.2 trillion by 2030, translating into vast opportunities. Modern card platforms are no longer enough on their own. Today’s financial institutions must balance innovation, compliance, security and operational risk while continuing to evolve to meet growing consumer demands.

Tieto Banktech helps banks issue, process, personalize and operate card & ATM services with confidence. Our modular approach allows you to modernize at your own pace while strengthening business continuity, operational resilience, and regulatory readiness.

Build a resilient card operation with secure, compliant, and scalable card solutions supported by decades of banking expertise.

Tieto's proven card solutions

European customers

180+

Card production capacity

20 M

Transaction volume

7.1 B

Business benefits

Benefits of modern card solutions

With decades of Nordic banking heritage and experience supporting financial institutions across Europe, Tieto Banktech helps banks balance innovation, resilience, and operational efficiency.

1

Reduce complexity with one trusted partner

Simplify governance and supplier management, working with a partner that supports issuing, acquiring, card personalization, and ATM services.
2

Modernize at your own pace

Choose full-service programmes or individual modules that integrate with your environment. Adopt the model that best fits your strategy.
3

Strengthen resilience while adapting faster

Respond to changing customer expectations and regulatory requirements while maintaining secure, reliable, and compliant card operations.

Deployment models

Choose the right card deployment model for your business

Cloud services and BPO

For banks - launch and operate card solutions fast with shared infrastructure and operational support. Purchase an all-in-one card processing platform or add capabilities one card solution at a time.

Software led deployment

For banks and processors - single or multi-tenant, and on-premises software that puts you in control of your card deployment, infrastructure, data residency and operations.

Modular platform across the value chain

Choose a model that covers the full card value chain in one package, or opt for select capabilities across issuing, acquiring, personalization or end-to-end ATM operations and oversight.

Card capabilities

Card capabilities that support resilience and growth

Our card solutions are designed around the needs of modern financial institutions. Strengthen customer experiences while maintaining operational control, compliance, and resilience.

Launch card programmes

Enable daily payments

Serve merchants and acquirers

Personalize and deliver cards

Operate ATM networks

Card solutions

Explore our card solutions

Card issuing

Issue any type of card faster while delivering top-level customer experience. You can manage real-time transaction routing and post-transaction settlement processes across multiple channels and networks. Full-service or standalone modules guarantee secure, efficient, and compliant handling of payment messages and clearing data for issuers, acquirers, and interbank operations.

Explore card issuing software and services

Card acquiring

If you're an acquirer, PSP, or ISV, our card acquiring solution enables you to scale profitably on a modern, compliant, multi-scheme platform. Reduce your cost of service, speed up merchant onboarding, and unlock growth in the Nordics and select European markets.

Explore card acquirer processing and merchant services

Card personalization

Design, produce, personalize, and deliver secure physical cards including sustainable, premium, and innovative card options.

Explore card personalization services

ATM services

Operate ATM networks with vendor-independent software through fully automated online switching, administration, monitoring, data insight, and managed services.

Explore ATM services and software

Card solutions

Modernize your card business with confidence

Talk to our experts about scalable card issuing, acquiring, and processing solutions that help you innovate faster, reduce complexity, and support long-term growth.

See more blogs

FAQ

Your questions answered

What are card services and processing?

What are Tieto Banktech card services?

Our card services and software include card issuing, acquiring, card production and personalization, mobile payments, fraud monitoring, merchant services, and a platform for managing ATMs. Choose complete services or select standalone SaaS, BPO, or software-led deployment models.

Does Tieto Banktech support the full card value chain for banks?

Yes, Tieto Banktech supports banks across card issuing, processing, card production and personalization, acquiring, merchant services, mobile payments, fraud monitoring, and ATM management. Banks can use fully packaged or standalone solutions,

Can banks choose between SaaS, BPO and software-led card solutions?

Does Tieto Banktech support both card issuing and card acquiring?

Yes. The portfolio includes issuing capabilities for debit, credit, prepaid, virtual, and physical cards. Card acquiring include merchant management, payment acceptance, authorization, clearing, settlement, routing, and reporting.

How does a full card management partner help reduce complexity?

A partner that provides card solutions and services across the full value chain reduces supplier fragmentation. Such a partnership also makes it easier to modernize one area at a time while keeping a connected view of physical card services, payments, merchants, and operations.

How do resilient card operations differ from modern card operations?

A modern platform provides the foundation, but resilient card operations go further by strengthening business continuity, security, compliance, operational control,and the ability to adapt to changing market and regulatory demands.

How does Tieto Banktech help banks strengthen resilience?

How do you support migration from legacy card platforms?

Our teams have extensive experience helping financial institutions modernize card operations through phased migration approaches designed to minimize disruption and operational risk.

We have the proven ability to migrate bank portfolios to our new platform with minimal disruption, whether that’s re-issuing hundreds of thousands of cards within a matter of weeks at a near-to-zero error rate, or the ongoing management of a single, multi-country portfolio of more than five million cards for a single provider.