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Guavapay Issuing Processing

The company has certifications by MasterCard and UnionPay on issuing and acquiring services. Therefore Guavapay fully supports the smart cards, magnetic stripe cards, and contactless cards functionalities and comprises the issue of the following type of cards:


  • Debit cards
  • Prepaid cards
  • Credit cards
  • Virtual cards
  • Corporate cards
  • Co-branding cards
  • Co-badged cards

To meet all the needs connected with card management Guavapay’s system supports card personalization (through 3rd parties) and card tokenization solution. 

Cards personalization

There are 3 options for providing this service:

  • Setting up personalization of cards directly in the bank,
  • Personalization of cards in the processing area
  • Full transfer of personalization to the bank - it includes not only personalization itself, but also the creation of personalization data on the bank's side.

Cards tokenization

Guavapay technically supports Apple Pay, Google Pay, and other tokenization services, as well as the virtual tokenization services Visa Checkout and MasterPass.

 The functionalities of  issuing services by Guavapay:

  • Card activation on PIN-based transaction
  • PIN-code operations such as Pin-code via SMS and the setting of Pin-code by the cardholder
  • SMS notification service for cardholders
  • Internet and Mobile banking support
  • Fee separation depending on the use of private or loan funds
  • 3D Secure system
  • Full multi-currency and multilingual capabilities
  • Fraud monitoring
  • Loyalty and installment programs

There are two options for providing these services:

  • using the solutions of the Guavapay company, pulling the necessary services from the bank (automated banking system) for the greater convenience of the bank's customers
  • the use of bank solutions with the pulling of the necessary services from the processing system

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