Platform
One product from ATM capture to the customer's hand
Every capability on one core, one database and one audit trail, licensed in three editions. Each module page shows what you can use today and what each release adds.
Everything between the ATM and the customer, in one product
Available now in the product todayv1.1 · Q1 2027 planned release and quarterOn request delivered per bank on request
Capture feed and intake
Every card an ATM keeps enters Cardvoy within minutes: from the switch API, a switch or EJ file, the CCRS file or a manual entry with a reason.
Available now
Details →Routing rules and SLA clock
Each captured card gets a destination and a deadline the moment it arrives, from explainable rules and a working-day clock on the country calendar.
Available now then v1.1
Details →Branch custody and handover
The branch confirms each card physically, keeps it under dual custody and hands it over only to the right person, with a one-time code, an ID check and a signature.
Available now
Details →Card centre (CFC) vault
Cards a branch cannot hand over move to a card fulfilment centre in sealed, tracked consignments, are received with a three-way check and kept in a vault register.
Available now
Details →Issuer returns and destruction
Off-us cards go back to their issuer within the regulator's deadline; unclaimed cards are destroyed under dual control, with witnesses and a numbered certificate.
Available now
Details →Dispatch and consignments
One dispatch engine for everything a bank sends: new and replacement cards, PIN mailers, cheque books and documents, to customers, branches and card centres.
Available now
Details →Courier integration
Couriers update Cardvoy the way they already work: a signed webhook or the courier portal. Each courier has its own SLA, rate card, holding period and attempt limit.
Available now then v1.1
Details →Customer tracking and self-service
Customers get an SMS with a private tracking link. Without signing in they can follow the shipment, ask for another day, choose branch pickup or request an address change.
Available now then v1.1
Details →Courier invoice audit
Cardvoy knows what every consignment should cost, so courier invoices are matched line by line and overcharges, duplicates and unknown shipments are caught before payment.
Available now
Details →AI risk radar
Every capture gets an explainable risk score. Cards the switch flagged, international cards, repeated captures at one ATM and odd hours rise to the top, with the reasons shown.
Available now then v1.2
Details →Dashboards and regulator returns
Dashboards for branches, card centres, operations and executives, and the registers each regulator asks for, from the same data. Export to Excel, CSV or PDF.
Available now then v1.1
Details →Maker-checker, roles and audit
The server, not the screen, decides who may do what. Sensitive actions need a second person, and every change goes to a hash-chained audit trail.
Available now then v1.1
Details →Configuration and customisation
Three layers: the Cardvoy core, your country pack and your organisation. You set branches, card centres, couriers, templates and approval rules without code.
Available now
Details →Integration API
A documented REST API for the switch, the card management system, core banking and couriers, with scoped keys that can be limited to an IP allow-list.
Available now then v1.1
Details →Engineering
Modern, boring in the right places
- TypeScript on Node.js, PostgreSQL 16 and a React web client
- One container image that runs the same on AWS, your cloud, a private cloud or on premises
- Automated tests on every change, including bank isolation tests on the API
- An OpenAPI 3.1 description generated from the product itself
The client proofs of concept run on AWS in Mumbai; production sizing is agreed with each bank.
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.