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PROCARD PROCESSING CENTRE
Procard LTD is a services company of payment card industry providing modern, reliable and innovative processing services to its clients - banks, financial and fintech companies around the world.
ABOUT US
Procard LTD is a services company of payment card industry which providing modern, reliable and innovative processing services to its clients - banks, financial and fintech companies around the world.
The main business role of the company is a Third Party Processor for International Payment Systems Visa, MasterCard and Unionpay International.
A Third-Party Processor is an entity that facilitates the electronic transfer of funds between a merchant (such as a business or retailer) and the cardholder (the person making the payment using an IPS credit or debit card).
The Procard company has extensive experience in implementing and supporting issuing and acquiring projects in the card payment industry. A modern processing solution, placement of all services in the cloud, strict compliance with the requirements of information security standards and, of course, a team of professionals, allow Procard to implement any solution at the client's request quickly, qualitatively and safely.
Procard processing center, as any other TPP processors, plays a crucial role in enabling seamless electronic payments, ensuring security, and facilitating efficient fund transfers between merchants and cardholders. We streamline payment processing and contribute to developing and increasing of today’s market.
Serhii Kachanov
OUR STATUSES
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MasterCard
MasterCard Service Provider Since 2015 -
NBU
Operator Of Payment Infrastructure For National Bank Of Ukraine Since 2016 -
Visa
Visa Third Party Processor Since 2017 -
Visa
Visa Ready Fintech Enabler Since 2019 -
Prostir
Service Provider For Prostir National Payment System Since 2019 -
UPI
Unionpay International Third Party Processor Since 2021 -
Korti Milli
Korti Mili Third Party Processor Since 2020
ON OUR BOARD
Modern processing solution
The core-system of our processing center and other software solutions are provided by world leaders of the payment industry
Hosting processor services in the cloud
All processor services have hosted in the AWS cloud including points for customer connections and end-points for International payment systems
Strict compliance with information security requirements
Every year Procard reaffirm its compliance to requirements of information security PCI DSS
The team of professionals
Our team of highly trained professionals supports our clients every day, providing reliable services and meeting the demands of the modern payment market.
OUR VENDORS
Highlights
Services
Authorisation Of Transactions
The ability to confirm or reject financial transactions on cards of clients of a partner bank in real time.
Technical support for authorizations and financial transactions on cards of a partner bank in the IPS trade and service network, ensuring the completeness, accuracy and timeliness of recording transactions on customer accounts.
Support Of Issueing
The means to launch and operate your own project to issue modern IPS Visa, MasterCard and Unionpay payment cards, both on plastic and only in digital form.
The processor ensures the issuance of payment cards of the partner bank in accordance with the rules of the IPS, technical support of the full life cycle of these cards in accordance with the requirements of the IPS and local regulators, and also provides technical support for the availability of transactions with these cards.
Card Tokens For Issuers
The opportunity for issuers to significantly increase the security of card transactions by replacing confidential card data with non-confidential tokens for use in token provider networks.
Technical support for the generation of card tokens for clients of a partner bank with subsequent support for their use when conducting transactions through token providers - IPS, Apple Pay, Google Pay, Samsung Pay and more.
Support Of Acquiring
The ability to create and operate your own trade and service network servicing payments, transfers, cash withdrawal and deposit operations in terminal devices and the Internet.
The processor provides technical support for the completeness, correctness and timeliness of authorizations and financial transactions in the acquiring equipment (ATM, PVN, trade and service network, ECOM terminal network) of the partner bank in accordance with the requirements of the IPS.
Card Tokens For Acquirers
The means for acquirers to significantly increase the security of card transactions by replacing confidential card data with non-confidential tokens for use in token provider networks.
Technical support for the generation of card tokens for clients of a partner bank with subsequent support for their use when conducting transactions through token providers based on VTS and MDES technologies.
Cardholder Informing
A means of interactive communication with the client in real time through modern communication methods
Technical support for informing clients of partner bank card holders about transactions performed by clients in the IPS trade and service network using SMS messages, push notifications and/or E- mail .
Client Core System Interface
The oportunity to reconcile the status of client (card and terminal) as well as clearing accounts in the accounting systems of the partner bank and processor.
Technical support for the exchange of information between the accounting systems of the processor and the partner bank, the creation of appropriate reports - daily, monthly, quarterly and annual.
Monitoring System
The monitoring system collects, stores, analyzes and interprets data in real time on business and technology metrics
The system processes more than 20,000 technical and business metrics, including the load on computing resources, the state of communication channels, the number of processed transactions, controls average checks, the amount of financial limits
The monitoring system notifies various working groups about exceeding the threshold values of metrics or groups of metrics via dashboards, e-mail, telegram bots.
Service Desk
The Service Desk system provides a convenient and technological interface for the divisions of partner companies to resolve issues that arise in the course of operational activities
The Service Desk system automatically routes tasks to the appropriate performers depending on the category of the request
Dashboards of the Service Desk system provide a complete overview of data on the number of operational tasks by categories, the speed of their solution, allow you to efficiently manage human resources in operational units depending on the actual load, etc.
THE MOST POPULAR SERVICES
Anti-Fraud
Monitoring of fraudulent transactions is
the ability to automate the behavior of the authorization system when a suspected fraudulent transaction is detected.
Technical support for online monitoring of all types of issuer and/or acquiring transactions to prevent fraud in accordance with the requirements of the International Payment Systems.
Crypto Wallets
Support service for operations with crypto wallets is tye option for a special extension of the routing service to work with crypto wallets
Technical support for connecting to the client service and initiating a request for additional operations with a crypto wallet.
Data Mirroring Service
A means of significantly unloading data exchange channels between the processor and the partner’s bank, by reducing the number of client requests to processor systems.
Technical support for replication of processor data for the software and hardware of the services of a partner bank based on popular database vendors.
SPECIAL FEATURES
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For Banks
Procard LTD provides for each client an individual complex solution for organizing and supporting the authorizations and clearing transactions of the partner bank's customers. This solution includes the installation and maintenance of its terminal, server and communication equipment, the construction of an encrypted channel for data exchange, the provision of remote access to customer accounts / cards, the provision of connection to Mobile banking and other popular services. The company monitors all market trends and as a result constantly updates, expands and updates the range of services provided to match current trends in the industry of bank payment cards. -
For Startups Of Issuing
Procard LTD provides an ingenious, fast and easy way to launch your own payment card project for new players in the payment card market. The special Digital Banking Service is a tool that allows you to quickly begin serving holders of your own issued cards, ensuring strict compliance with all the requirements of international payment systems, local regulators and compliance with information security standards - PCI DSS, PCI 3DS and PCI PIN Security. In our opinion, this service is especially featured to fintechs of mobile operators who want to expand possibilities of mobile phone wallets with modern payment opportunities which give payment cards. -
For Fintechs - Acquirers
Procard LTD provides modern service Procard.Pay for Fintechs - Acquirers. These companies are payment service providers or facilitators who act under their own acquiring licenses of IPS Visa and/or MasterCard or licenses of their partner-banks and also correspond to requirements of local financial regulators. The Procard.Pay dispatching system is a module for expanding the capabilities of the payment portal of our company, the main purpose of which is dispatching requests from various clients of online stores, generated in accordance with the protocols in force on the market, converting such requests into the PC-ECOM-PG and PC- ECOM-TIC, subsequent fusion of requests for processing by the payment portal of Procard LTD. Fintechs have got an opportunity to integrate themselves with Procard.Pay and after that provides integration for all their own customers - ecom merchants.
Frequently Asked Questions
What Is a Third-Party Processor?
A Third-Party Processor for Visa and Mastercard is an entity that facilitates the electronic transfer of funds between a merchant (such as a business or retailer) and the cardholder (the person making the payment using a Visa or Mastercard credit or debit card). Such processors play a crucial role in enabling seamless electronic payments, ensuring security, and facilitating efficient fund transfers between merchants and cardholders.
What kind of transactions are supported?
Procard processing center supports a variety of transactions, ensuring the smooth transfer of funds between parties. Here are the different types of transactions we handle: Purchases, Cash Advances, Balance Transfers, Foreign Transactions, Electronic Funds Transfers (EFTs), Mobile Payments, Operations with Digital Wallets, Support of Cryptocurrencies, Operations with Tokens, etc. Procard facilitate a wide range of transactions, ensuring efficient and secure financial interactions between payers and payees.
What IPSs are supported?
Procard supports both issuers and acquirers for IPS Visa, MasterCard and UPI. Also Procard supports customers which have appropriate licences for local payment systems Prostir (Ukraine) and Korti Mily (Tajikistan).
In which regions do you work?
Procard operates in Europe, Middle East, Central Asia and Northern Africa.
Who can be your customer?
Our customers are banks, financial institutions and fintech companies which operate on the payment card market under issuing and / or acquiring licenses of Visa or MasterCard or UPI.
How do you rate the average time to market of projects?
Procard allows our customers faster implementation, as they provide ready-made solutions, . This agility can be crucial for businesses aiming to launch quickly. Third-party processors specialize in payment services. They bring industry knowledge, compliance expertise, and robust security measures. This can be advantageous, especially for smaller businesses.
Do you have resource constraints?
We offer scalable solutions, allowing you to handle sudden spikes in transactions without worrying about infrastructure limitations.
How do you manage risk mitigation?
Procard employs several strategies to manage risk and ensure secure transactions. Some of these risk mitigation practices are Mastercard’s Business Risk Assessment and Mitigation (BRAM) and Global Brand Protection Program (GBPP) by Visa. Also we use Fraud Prevention Solutions and Risk Management Solutions. Procard employs a combination of proactive assessment, compliance programs, and technology to manage risk effectively and maintain a reliable payment system.
What is needed to start?
(1) The financial license from national regulators (like EMI, PI etc.).
(2) The membership status in IPS Visa or MasterCard
(3) The developers team for creating the mobile application and the mobile back-end
(4) Desire + energy + drive to launch the application which would be unique in your market
OUR TEAM
Meet the team behind your success
The Procard team is a group of individuals working together with a shared purpose and goal. These individuals collaborate, combining their diverse skills and expertise to tackle complex tasks and achieve common objectives. Our team, as most of effective teams, leverage the strengths of each member, leading to faster and smoother problem-solving processes.
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Real Professionals
The average experience in the payment industry of key employees is 15 years. -
The Highest Qualification
All company employees have a higher education. Two Doctor of Philosophy work for us. -
Efficiency, Purposefulness and Persistence
Three main features that allow you to achieve the goal. The team communicates and cooperates well, solving the task quickly and efficiently.
FOCUSING ON CUSTOMER NEEDS
OUR CLIENTS FROM
Look at our world
TESTIMONIAL
Here is some feedbacks from our clients
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Olesya Shypilova
"As the head of the O!Dengi project (Kyrgyzstan), I would like to note that Prokard is a benchmark for reliability, professionalism, and customer focus. The system works without failures, and updates are made on time and in full compliance with international requirements. All projects are implemented promptly, with the highest level of quality and attention to detail. I would especially like to note the Prokard team - these are real specialists with deep knowledge, experience, and a focus on results. They always meet halfway, offer optimal solutions, and demonstrate an individual approach to each client. It is easy and pleasant to work with Prokart, because it is a partner you can trust 100%. Their professionalism, responsibility, and commitment to excellence make cooperation truly comfortable and successful." -
Marat Zhagiparov
"As a Product Owner for the Simply Project (Kazakhstan), I would like to share a positive experience of cooperation with TPP Processor Procard LTD. The professionalism of the team allowed us to analyze, integrate, certify and launch the project in the shortest possible time, without compromising the quality of the services provided. The flexibility of the system and the extensive experience of the company's employees do not leave any questions and tasks unresolved. The level of fault tolerance of the partner's hardware and software complex ensures uninterrupted service for more than a million clients 24/7/365. Compliance with PCI DSS standards and international payment systems, the ability to quickly adapt and an individual approach to customer requirements ensures the speed of product delivery to the market, which allows you to be confident in the success of any project." -
Orzu Sabzaliev
As a Head of payment cards division for Alif-Bank (Tajikistan), I can say that we have been working with our colleagues for many years. Our team includes experienced guys who know about good service firsthand. This is exactly the case) A team of professionals, friendly and cheerful. We have implemented many ideas with them that promote business and make it multifaceted. We can always agree and find the golden mean in any issues. I am very happy with our cooperation!
News
Visa Payments Forum CEMEA 2025
Last week Procard LTD took part in the Visa Payments Forum CEMEA 2025. The Visa Payments Forum...
MasterCard 3DS 2.2 Compliance
Today, Procard received confirmation from IPS MasterCard about the successful launch of both...
Europrombank Mastercard Productive
Today, Procard LTD successfully completed the implementation project for its partner Europrombank...
CONTACT US
Phone
+380 67 557 1617
Address
Bryhadna Str., bld.11, off.68, Dnipro, 49005, Ukraine
Appointment
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2015 - 2026
Procard LTD
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