Questions
Questions we are often asked
What does Cardvoy track?
Captured ATM cards from capture to handover, issuer return or destruction, and everything a bank sends: new and replacement cards, PIN mailers, cheque books and documents, to customers, branches and card centres.
Do we need to replace our switch or card management system?
No. Cardvoy takes captures from your switch by API or file and dispatch items from your card management system, and works alongside them.
Which countries are supported?
Version 1.0 has country packs for Pakistan, Bangladesh, Saudi Arabia, the UAE, Bahrain, Kuwait, Oman and Qatar. Other markets can be added as packs on request.
Which languages?
English, Arabic, Urdu and Bangla, for staff screens and customer messages. Arabic and Urdu are right to left.
Does Cardvoy store full card numbers?
Card numbers are tokenised and encrypted on arrival with a key per bank. Staff see a masked number; the full number is shown only under dual control, and every reveal is audited.
Is Cardvoy in production?
Version 1.0 is complete and runs today as a live demo and as client proofs of concept on AWS. Each bank goes live after its own user acceptance tests, and an independent penetration test comes before the first production go-live.
Is Cardvoy certified?
No, and we do not claim it. Its controls are designed around PCI DSS, ISO/IEC 27001 and each regulator's rules, and they reduce the bank's card data scope. An independent code review of v1.0 was completed in November 2026.
Can we host it ourselves?
Yes. Cardvoy runs as SaaS on AWS, in your own AWS account, in a private cloud or on your own servers, so markets that require in-country hosting are covered.
How do couriers connect?
Through signed webhooks or the courier portal. Courier status files come in v1.1 and ready-made adapters for leading couriers in v1.2.
How long does a proof of concept take?
We set up your branches, card centre, couriers and country pack in our AWS environment, usually within two weeks of receiving your structure and sample files.
How is it licensed?
Per bank, by edition (Essentials, Professional or Enterprise), with a licence key signed by SMH Global that lists the modules, limits and validity dates.
Who is behind Cardvoy?
SMH Global Services, an IT solutions company founded in 2013 with its head office in Dubai, corporate office and development centre in Karachi and a regional office in Riyadh. SMH also builds AuditHD, Amanova and Recondora.
Something else? Ask us.
See Cardvoy with your own process.
Book a walkthrough: we set up your branches, card centre, couriers and country pack in a private proof of concept and follow a captured card from the ATM to the customer.