Card issuers around the world are moving to EMV in order to reduce card payment fraud but the process of issuing EMV cards requires a high level of security.

    CardInk is an EMV data preparation system, which offers best-of-breed centralised data formatting and key management while maintaining flexibility to meet any card issuing environment (e.g. mag stripe, chip, single- and multi-applications, instant issuing, NFC). CardInk is implemented by bureaux, data processors and card issuers alike.

    Supported Applications

     
    • MasterCard (M/Chip, Mag stripe & PIN, CAP, PayPass, Advance)
    • Visa (VSDC, Mag stripe & PIN, qVSDC, MSD, DPA, Mobile)
    • AmEx (AEIPS, Mag stripe & PIN, Expresspay)
    • Discover D-PAS (Contact/Contactless)
    • EMV Common Payment Application
    • SAMA (SPAN2)
    • SIA (Bancomat)
    • China UnionPay
    • BMS (Monéo)
    • Interac
    • Diners
    • Pure 

    Customers

    CardInk is used by more than 100 customers across the globe to issue 100s of millions of EMV cards annually. Our customers include prominent issuers and service providers such as Crédit Agricole, First Data and Trüb.

    Read the Crédit Agricole Case Study 

    Integration

    CardInk integrates with various issuing systems from major vendors such as ACI Worldwide, Atlantic Zeiser, Datacard and Mühlbauer.

    CardInk features a format converter, allowing simple integration for both input files (raw files that CardInk process) and output files (completed files from CardInk sent to personalisation and / or card management).

    Flexible Data Preparation Solution

    CardInk is the only major system that is both HSM vendor and card platform independent:

    • GlobalPlatform
    • Multos
    • Native (proprietary OS)

    This ensures that customers are not tied in to one particular technology and hence ensures a high return on investment.

    CardInk is also very easy to operate, right from install and set-up and daily operations. User friendliness is vital to our customers who have to respond to instantly to marketing and business requirements set forth by issuing managers.

    Quickest Data Preparation Solution

    CardInk is extremely scalable and is currently running in live production environments that are individually generating data for over 180,000 cards per hour.

    Although CardInk is perfect for high volume production it is also suitable for small scaled production and because the price is dependent on required functionality CardInk is the most cost-effective solution.

    Documentation

    CardInk is the most comprehensive EMV data preparation solution in the market... and a comprehensive solution requires comprehensive and easy to read documentation for installers and operators alike. The standard CardInk documentation includes the following:

    • Administrator's Manual
    • Data Preparation with Encrypted Data & Data Preparation Tool Guide
    • DLL Installation, Configuration and Maintenance
    • EMV CA User Guide (for testing)
    • Installation, Configuration and Maintenance
    • Key Import and Export
    • Input Specification & Output Specification
    • PIN Handling
    • Security Architecture
    • Technical White Paper
    • Troubleshooting Guide

    CardInk comes with more than twenty technical documents, so there is almost certainly a document to cover any aspect of the data preparation related issuing process.

    Understanding Compliance and Regulations

    Through our experience of working with issuing customers for more than ten years along with our experience of auditing card payment bureaux on behalf of a major payment scheme we know what steps customers need to take to set-up a secure solution that complies with guidelines and specifications to achieve a swift and hassle free move to EMV. Our experience in this area ensures cost savings and a shortened time to market.

    Cryptomathic CardInk video

    CARDINK VIDEO

    A flexible issuing experience

    CardInk supports any issuing environment and is the only major system that is HSM vendor and card platform independent.

    We are always ready to assist you

    It doesn't matter where you are. We can work anywhere in the world! And we would love to hear from you, be sure we will reply asap.

    LEARN MORE

    Case Study - Crédit Agricole

    Crédit Agricole uses Cryptomathic CardInk to deliver one of Europe’s largest multi-application EMV issuing projects to date.

     

    Case Study -
    S2M

    Understand major aspects, including regulatory authorities, compliance schemes, audits, best practices and more.

     

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    White Paper - EMV Key Management

    Lack of overview or trouble understanding EMV key management? EMV as seen from a crypto angle for all involved parties in acquiring and issuing.                     

    Resources

    At the leading edge of security provision within its key markets, Cryptomathic closely supports its global customer base with many multinationals as longstanding clients.