Packs
Core, country pack, your organisation
Three layers, resolved in order. Your organisation can change only what the country pack allows, and every limit shows the regulator's circular and clause behind it.
CoreThe same for every bank in every country: capture, routing, custody, handover, card centre, returns, destruction, dispatch, tracking, reports and audit.
Country packRegulator deadlines and references, destruction rules, record retention, ID types, mobile formats, working-day calendar, languages and data residency.
OrganisationYour branches, card centres, couriers and rate cards, templates, approval policy and branding, within the limits of the pack.
How the limits work
- Floors and ceilings: a bank can be stricter than the regulator, never looser. A value outside the limit is refused with the clause that sets it.
- Locked rules: some rules cannot be switched off at all, for example dual control for destruction.
- Working days: deadlines count working days on the pack calendar, with the country weekend and public holidays.
- Sources: each pack lists the regulator documents it implements and marks any rule the bank's compliance team still has to confirm.
- Versions: SMH publishes a new pack version when a regulator changes its rules; the current version is 2026.2.
Country packs
Local rules, local languages, local hosting.
Country packs carry each regulator's deadlines, destruction rules, ID documents, calendars and languages, so a bank in Karachi, Dhaka, Riyadh or Dubai starts with its own rules configured. Available now: Pakistan, Bangladesh, Saudi Arabia, United Arab Emirates, Bahrain, Kuwait, Oman, Qatar.
- SBP
- Bangladesh Bank
- SAMA
- CBUAE
- CBB
- CBK
- CBO
- QCB
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.