Card Management System

From physical card stock to the payment terminal — INM's CMS covers the entire card lifecycle in a single platform. Reduce dependency on external processors, accelerate new product launches and have full real-time visibility over every card issued.

Total control - From the warehouse to the customer's statement

​Most banks manage cards with fragmented systems: one vendor for stock, another for personalisation, another for authorisation. INM's CMS unifies this entire chain in an integrated platform — giving the bank visibility and control at every step, from plastic ordering to transaction reconciliation. The result: lower operational costs, less third-party dependency and greater responsiveness to customers.

Advantages

  • Unified platform: Stock, lifecycle and transactions in a single integrated solution — no silos, no external dependencies
  • Full integration: Certified connectors for EMIS/Multicaixa, Visa, Mastercard and the main core banking systems
  • Security & compliance:PCI-DSS compliant architecture supporting BNA and Banco de Portugal regulatory requirements
  • Time-to-market:Launch new card products quickly with flexible parametrisation and no custom development

Detail

01 - Stock

  • Physical Stock Management: Control of plastics, PIN mailers, envelopes and consumables. Batch management, breakage tracking and real-time inventory.

02 - Issuance

  • Card Lifecycle:Issuance, personalisation, delivery, renewal, replacement and cancellation — physical and virtual.

03 - Operations

  • Transaction Management: Real-time authorisation, settlement, dispute management, chargebacks and anti-fraud monitoring.

 

Features

  • Physical stock management: plastics, PIN mailers and consumables with batch and inventory control
  • Issuance and personalisation of debit and credit cards — physical and virtual
  • Full lifecycle management: renewal, replacement (damage or loss) and cancellation
  • Real-time transaction authorisation with configurable limit rules and risk profiles
  • Back-office module for dispute management, chargebacks and fraud prevention
  • Native integration with EMIS/Multicaixa networks, ATMs and POS/TPA terminals
  • Customer self-service via Internet Banking and Mobile Banking
  • Support for co-branded, prepaid cards and loyalty programmes
  • Configurable real-time operational and regulatory reporting
  • Certified connectors for Finastra Essence, Equation and Asseco Banka

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