Cardzone Sdn Bhd

One of the leading providers of Card Management System consulting services, is a Malaysia-based private limited company established since 2008.

We emphasize on design, development and deployment of financial message switching and card management system products for all kinds of card programs e.g. Credit Card, Debit/ATM Card, Loyalty Card, Pre-Paid Card, Fleet Card, Gift Card etc.

Our flagship products – Cardzone CMS is a complete suite of products designed for the mission-critical payment card business. It uses latest Service Oriented Architecture (SOA) technology to provide a cost-effective, reliable and robust solution for the card issuers and acquirers.

Our customers are banking and financial services institutions, large merchant organizations, service providers and solution providers in and outside Malaysia.

We manage each of our client relationships with the highest degree of professionalism, integrity, confidentiality, tact and urgency.

Cardzone’s mission is to be a success business and technology leader in online transactions, with special emphasis on payment transaction processing solutions.


CARDZONE SWITCH is a flexible, robust and multi-channel payment switch for acquiring and routing of authorization transactions from multiple touch points like ATM, POS, Kiosk, Mobile, IVR and Internet, into many destination hosts and networks.


CARDZONE CREDIT Banks/ Financial Institution must face the challenge of not only offering a wide range of differentiated and ever improving services but also to ensure flexibility, security and availability in order to make their cards stand out from competitors when card features are increasingly commoditized.


CARDZONE DEBIT supports banks in issuing of ATM/Debit Cards in magnetic stripe or EMV Chip format.


CARDZONE FRAUD MGMT is an effective tool to combat the ever-innovative fraudsters active in the payment card arena. it is designed to support the bank’s fight against fraud with build in fraud rule and user defined fraud rule.


CARDZONE POSC provides a comprehensive multi-currency POS management, merchant management, authorization, clearing and settlement systems.

Cardzone MERCHANT supports multiple payment schemes, stores and manages merchant accounts and their histories, is fully compliant with EMV requirements, supports Visa Smart Debit Credit, MasterCard’s M/Chip card and Diners D-PAS chip card acquiring. It also gives acquirers a complete handling of merchant accounting and settlement cycle.


CARDZONE ATMC The ATM remains the #1 point of connection between a bank and its consumers, delivering billions of secured transactions around the world every year.

Cardzone ATMC is an open solution designed for complex multi-channel banking that offers true integration together with unmatched levels of functionality, security and availability.

Cardzone ATMC – A robust and reliable ATM controller for driving and monitoring a network of NDC + ATMs


CARDZONE LOYALTY is a bank-wide or region-wide loyalty management solutions that features very flexible promotion campaigns, points granting criteria and gift item redemption. Cardzone LOYALTY is a Bank Wide loyalty management solution that features very flexible promotion campaigns, points granting criteria and rewards redemption options.


CARDZONE PPM Instalment program have different plans for different occasions eg Merchant Instalment Plan, Flexi Payment Plan and Balance Transfer. Cardzone PPM allows bank to offer instalment program to their customers. Cardzone PPM is designed to offer multiple instalment programs based on customer needs

Cardzone Core Business

Cardzone Sdn Bhd provides turn-key solutions to customers using our own brand of Card Management System Cardzone CMS:

Issuing Functionality includes:

  • Product Management

Management of the type of cards accepted (card plans, account types and card schemes) and product rules (fees, transaction limits and others)

  • Origination

Application processing, customer profiling, scoring, credit bureau integration and account setup

  • Card Issuing

Provisioning the physical support of the payment instrument (plastic card printing, personalization, distribution and others)

  • Relationship Management

System records payment products, customer and account management, customer service statement production and communication, collections, dispute management, renewal, replacements, and reward programs

  • Operational Risk Management

Key management, internal, customer and store fraud prevention, foreign exchange risk for cross-border payments, and business continuity

  • Transaction Management

Channel delivery (point of sale [POS], Internet and automated teller machine [ATM]), authentication, authorization, switching and settlement

  • Portfolio Management

Financials and governance, such as key metrics (active card ratio, transaction cost and so on), analytics and modeling

Acquiring Functionalities includes:

  • Origination

Management of independent sales organizations (ISOs), application processing, merchant profiling, credit bureau integration, account and terminal setup and merchant settlement

  • Relationship Management

Systems of record (payment services, merchant service, statement production, communication, payment, dispute management, terminal maintenance and replacements, agreement termination, and reporting

  • Operational Management

Channel management, including managing device connection and setup (POS, ATM, contact center and so on)

  • Risk Management

Fraud prevention, monitoring and business continuity

  • Transaction Management

Acquirer transaction interface, switching, host interfaces (bank, switch and device), authorization, exception management and reconciliation mechanisms, and settlement

  • Portfolio Management

Financials and governance, such as key metrics (sign-up rate, transaction cost and so on), analytic and modeling