Microfinance and branchless banks · Available now
Cardvoy for microfinance and branchless banks
For microfinance banks and branchless banking providers.
What you need
What Cardvoy gives microfinance and branchless banks
- Doorstep delivery with a one-time code checked by Cardvoy
- Simple queues for small teams across many locations
- Customer messages in Urdu or Bangla
- Regulator registers ready for inspection
- A licence sized for a smaller network
Requirements proven in a proof of concept for Mobilink Microfinance Bank.
Today, without Cardvoy
What changes
- Customers far from a branch wait weeks for a card
- Doorstep deliveries closed on a courier's word
- Small teams chasing deadlines by phone
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
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
More →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
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 →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
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 →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
More →
Edition and availability
Usual edition: Essentials or Professional. 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.