Payment Application Manager

Issuing and Managing Smart Payment Cards and Applications

Payment Application Management (PAM) is a comprehensive solution for the issuance and management of EMV® payment cards and cards with other smart applications such as transit, eID and healthcare. 

PAM can also issue and manage non-traditional tokens for payment or for other purposes, such as virtual payment cards for online shopping, e-coupons and travel tickets. PAM manages all aspects of card or token lifecycle – data preparation for single or multiple apps, key and certificate management and post-issuance management. PAM runs in real-time, supporting instant issuance of physical and virtual cards as well as traditional central issuance.

PAM is a highly performant, industrial strength system that has issued and manages hundreds of millions of smart cards for our customers around the world. PAM is built for either single issuers or multi-tenant service providers. PAM is scalable horizontally and vertically and is licensed on card volume under management, so there is a deployment model suited to every size of issuer.


PAM is card, OS and application-neutral. Any smart card app, irrespective of brand, can be issued on any type of chip. PAM's user-maintained configuration defines Product Profiles that contain the instructions for data preparation, key and certificate management and card personalization.

On-boarding new clients or launching new products is most often achieved through configuration; code changes are rarely required.


PAM can operate in tandem with an existing card management system to enrich mag-stripe card order requests or files with EMV® or other smart app data, forwarding the resulting personalization requests to a card bureau or to an instant issuance system.

Alternatively PAM can create complete card production orders, including mag-stripe and embossing information, from simple card requests. To create personalization requests, PAM collates data that can be generated internally, supplied in the card order or fetched from external systems.

When issuing EMV Offline PIN cards, PAM can fetch the PIN stored or previously captured online by our PIN Manager (PM) and add it to the personalization data – more information on Pin Manager 

Lifecycle Management

A feature that sets PAM apart from other data preparation systems is the retention of card and application data, including parameter settings and chip information.

Not only does this provide a rich source of management information, but through integration with our payments Transaction Management solution ETM, PAM can pre-populate the EMV® authorization database with card details and can receive details of parameter updates applied to cards through EMV® scripting, which are then retained in PAM's database and can be used for card renewal or replacement.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trade mark elsewhere. The EMV trademark is owned by EMVCo, LLC.

We are always ready to assist you

Contact us for more in-depth information on the Payment Application Manager. 


EMV Key Management

White Paper - EMV
Key Management Explained

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

Key Management Compliance

White Paper - Key Management Compliance

Here we explain how to ensure key management compliance while managing costs for best practices and compliance audits.


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