Pricing and licensing
Three editions, one product
Pick the edition that fits your network. Every edition includes the country pack, maker-checker, the audit trail and all four languages. Prices are quoted per bank, by edition, volume and deployment model.
Essentials
Captured-card custody for small and microfinance banks
Up to 50 branches, 150 users, 1 CFC, 2 couriers, 2,000 captures a month
- Captured-card custody: capture, routing, branch custody, handover, CFC, issuer returns, destruction
- Dispatch and consignments
- Regulator returns
- Country pack, maker-checker, audit trail and four languages
Professional
Custody and full dispatch with courier integration for mid-size banks
Up to 300 branches, 1,000 users, 5 CFCs, 5 couriers, 15,000 captures a month
- Everything in Essentials
- Courier integration and customer tracking
- AI risk radar
- Integration API and multi-CFC topology
Enterprise
Every module for large banks and groups
Up to 5,000 branches, 20,000 users, 50 CFCs, 20 couriers, 200,000 captures a month
- Everything in Professional
- Courier invoice audit
- Custom workflows and advanced analytics
- Single sign-on (v1.1)
What every edition includes
- The Cardvoy core: capture, routing, branch custody, handover, card centre, issuer returns, destruction and dispatch
- Your country pack, with regulatory updates as pack versions
- Maker-checker, roles, the hash-chained audit trail and regulator registers
- English, Arabic, Urdu and Bangla, for staff and customers
Licences are quoted in USD or your local currency, with VAT or sales tax where it applies.
How the licence works
Each bank receives a licence key signed by SMH Global with the edition, modules, limits and validity dates. The product checks it on every action: a module outside the licence is not shown, and limits apply when you add branches or users. On premises, no call home is needed.
Before expiry
Administrators are warned before the licence expires. After expiry and a grace period the system becomes read-only; data is never locked away.
Try before you decide
A proof of concept on your structure
We set up your branches, card centre, couriers and country pack in our AWS environment and follow captured cards and consignments with your team, usually within two weeks of receiving your structure and sample files.
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.