Shivacha Card Management
Technology infrastructure for card-program integrations.
Active cards
Program A
Controls
MCC · Geo · Limits
Auth latency
Within limits
Overview
A card management system for banks, fintechs and program managers: card lifecycle, real-time controls, authorisation webhooks, disputes, tokenisation and servicing — integrated with licensed issuing partners.
The problem
Card programs depend on processor integrations, real-time authorisation, accurate hold accounting and servicing tools. Building them per program is slow and error-prone.
The solution
Shivacha Card Management provides a processor-agnostic card platform with lifecycle management, controls, ledger integration and servicing — so new card programs launch through configuration with your issuing partners.
Feature modules
What's inside
Card lifecycle
Issue, activate, freeze, replace and close — virtual and physical.
Real-time controls
Merchant category, geography, amount and time rules.
Authorisation service
Low-latency decisioning via processor webhooks.
Hold & clearing ledger
Authorisations, reversals and settlements.
Disputes
Chargeback initiation, evidence and tracking.
Servicing console
Agent tools with full audit.
Product preview
Designed for operators and end users.
- Processor adapters
- Virtual and physical cards
- Real-time spend controls
- Wallet push provisioning support
- Accurate hold accounting
- Dispute management
- Program configuration
- Rewards engine
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Issuing processors
- Issuing banks / BIN sponsors
- Device wallet platforms (via issuer)
- Card personalisation bureaus
- Fraud providers
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Neobank debit cardsCards linked to accounts.
- Corporate cardsEmployee cards with policies.
- Program managerMultiple programs on one platform.
- Crypto-linked cardsCards funded from digital assets via partners.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Card Management System
Card management systems for banks and fintechs — lifecycle, controls, limits, disputes, tokenisation and servicing.
Learn moreCard Issuing Platform Integration
Integrate card issuing into your product — processor APIs, real-time authorisation, ledgers and cardholder experiences.
Learn moreVirtual Card Development
Virtual card features: instant issuance, single-use and merchant-locked cards, secure display and wallet provisioning.
Learn moreRelated products
Works well with
Shivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreShivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Can Shivacha issue Visa or Mastercard cards?
No. Issuing is performed by licensed issuers and network members. This platform integrates with them.
Which processors are supported?
Processors are connected through adapters; selection depends on your market and partners.
Are card numbers stored in the platform?
No. Sensitive card data is handled via processor-provided secure components and tokens.
Request a product demo.
See how Shivacha Card Management fits your business, and how we would customise and deploy it.