INETCO Solutions for Debit, Credit and Prepaid Cards

INETCO Solutions for Debit, Credit and Prepaid Cards

Systematically drive payment revenue by bringing more data points to your debit and credit card portfolios

Helping card issuing financial institutions, retailers and payment service providers optimize payment performance and stay ahead of the fraudsters using our debit and credit card management system

Near zero interest rates, drops in high fee interchange purchases, slowing customer spend and deterioration in customer credit quality are all notable trends within the payments industry. Making sure that every debit and credit card transaction completes as expected — without risk of unexpected failures, fraudulent activity or declines — has never packed more impact on customer loyalty and payment revenue.

The debit and credit card management system provided by INETCO helps card issuing financial institutions, retailers and payment service providers to deliver the level of security and reliability customers are looking for, while applying a new level of analytic discipline to the debit and credit card business.

  • Make impactful decisions around payment revenue, acquiring credit worthy customers and customer engagement.
  • Continuously analyze revenue streams including interchange fees, card fees and interest margins.
  • Screen every card-present and card-not-present transaction from a performance and fraud perspective – using a real-time debit and credit card management system.

INETCO Insight use cases for the card channel

Analyzing card portfolio profitability and digital wallet usage

Understand where your interchange revenue are coming from, and how contactless cards and digital wallet services are being used. Combine real-time transaction data acquisition and machine-learning approaches to better assimilate customer behavior and improve predictive power. Improve segmentation, reduce the risk of program cannibalization and drive profitability through better rewards and service alignment to customer usage and spending.

End-to-end transaction performance monitoring and alerting

Monitor every card-present and card-not-present transaction in real-time. Isolate and remediate performance issues or failed connectivity points affecting debit, gift card or credit card transaction completion – anywhere along the end-to-end path ~85% faster.

Real-time payment fraud detection for card-present and card-not-present transactions

Instantly detect suspicious transaction patterns and missing links in milliseconds – across all payment channels. Match card usage to negative countries, sanctioned user lists and blacklists. Flag suspicious device fingerprint and IP geolocation changes for investigation. Look for transaction patterns indicating account takeover attacks or phishing. Identify “man-in-the-middle” malware attacks, high purchase velocity, high ticket purchase patterns, EMV fallbacks, stand-in modes, reversals, and repeat card usage by payment application, device, distance or store location.

Real-time card risk scoring and machine learning

Reduce customer friction and false positives by configuring machine learning models and rules-based alerts for your unique payment environment. Continuously update risk scores by rebuilding customer models every time a card transaction occurs, and immediately flag behavioral patterns that deviate from past card transactions for investigation.


Automatically construct a full profile for each end-to-end transaction. Extract and assemble application payload messages, metadata, response/request timing and network communications information – across correlated transaction links – to speed up mean-time-to-detect and remediation efforts. These are the features upon which the rules-based alerts engine and different machine learning models will assess the validity of a transaction.


Independently log every transaction in real-time – while remaining out-of-band and not adding latency to the payments switch. Conduct a true, real-time audit into every link along an end-to-end payment transaction journey. Capture mandatory audit and security fields such as message types, card numbers, amounts, transaction dates and times, response codes, terminal ID’s and ISO 8583 messages. Be instantly aware of suspect fraud activity, hacking attempts and security incident events related to invalid MAC values, invalid PIN blocks, MAC failures, MAC Key synchronization errors, HSM failure errors and server timeouts.

Transaction blocking and fraud prevention

Set up automated scripts to block high scoring card transactions at the firewall port or network layer. Take action to reduce false positives and speed up the analysis of flagged card interactions by 75-85%.

BIN Trolling Attacks

View authorization volumes that are approved and declined in the same dashboard. Identify when decline rates spike, indicating the possibility of a BIN troll attack. Spot high volume usage patterns on virtual merchant terminals that indicate a merchant has been phished and their credentials are being used by fraudsters.

Real-time data feed for fraud, channel management and analytics applications

Forward rich transaction data to any team or application of choice. Blend this data within other fraud, channel management and analytics platforms that require it. This includes message fields such as transaction type, amount, response codes, terminal IDs, card types, dates, transaction status and message types.