Commercial banks · Available now
Cardvoy for commercial banks
For commercial banks with large branch and atm networks.
What you need
What Cardvoy gives commercial banks
- Captures from a large ATM fleet visible to every branch the same morning
- Several card centres, regional or outsourced, with transfers between them
- Two or more couriers with their own SLAs, rate cards and tracking pools
- Regulator registers and returns without spreadsheets
- Courier invoice audit before payment
Built at the request of Samba Bank Limited, Pakistan.
Today, without Cardvoy
What changes
- Capture lists from the switch arrive late or not at all, and branches keep their own registers
- Card centre stock counted by hand; cards between sites with no owner
- Courier tracking and invoices checked in spreadsheets, if at all
- Regulator returns assembled at quarter end
With Cardvoy these become rules, queues, deadlines and approvals in one product, with evidence for every step.
Modules that matter most
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
More →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
More →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
More →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
More →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
More →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
More →
Edition and availability
Usual edition: Enterprise. Every module listed here is in the product today; the country pack decides the deadlines and regulator rules for your market.
Planned items show their release; dates are SMH plans and may move.
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.