Solution Overview
Our modern, modular solution spanning card and account payments is API-based and cloud-native. Thanks to our uniquely powerful development framework which fully separates business logic from the technology employed, the solution is fully platform agnostic – meaning it works on distributed systems, mainframes or hybrid combinations of the two. This makes Vestigo the ideal partner for flexible, de-risked payments modernizations.
Key modules of the solution:
Vestigo Issuing
Card management across all types of cards – credit, debit, prepaid, commercial.
Powerful hierarchies supporting multinational banks, partnership models or third-party processors. Meeting flexible customer needs, e.g. multiple cards on single account and joint billing.
Vestigo Embedded Finance Partnerships
Proven functionality with partner management, e.g. revenue-sharing partners, fintech partners, co-brand cards, acquiring distribution partners, multiple partners on the same BIN, integrating to multiple partner portals, managing sales commissions, etc.
Vestigo Payments Hub
Integrated, full life-cycle payments hub covering instant payments, low-value, high-value and cross-border payments, for retail and corporate customers, routing to various clearing systems. Enables payment processing efficiency through high-rates of fully automated straight-through processing and discontinuation of heterogeneous legacy payment systems.
Vestigo Acquiring
Powerful acquiring back-end system meeting the needs of your merchants (flexible currency, pricing and funding options across complex hierarchies), as well as powering your business performance by driving up revenue (distribution partnerships, international expansion, product and process partnerships through APIs), and managing cost (interchange optimization, automated disputes).
Vestigo Consumer Finance
We support feature-rich credit cards, installment cards and cash loans as well as strong API capability enabling numerous use cases for advanced lending proposition.
Vestigo Payment Account Management
Account management support for any type of payment origination account, e.g. retail current accounts and corporate transactional accounts, single-currency or multi-currency accounts, definition of a special purpose of account like giro accounts, savings a’ vista accounts. Auxiliary services / contracts supported include account overdrafts, dynamic overdrafts, “implicit” overdrafts, standing orders, cheques issuance, etc.
Vestigo Loyalty
Ability to act as a “master, customer-centric loyalty account” across a number of different programs. Single account can participate in multiple programs, transactions can be split or “double counted” among different loyalty programs, central enrollment and interfacing to various loyalty partners, smart routing of relevant transaction info to relevant participating loyalty partners.
Flexible point collection and redemption capabilities. Redemption methods include gift catalogue, membership fee reversal, purchase transaction reversal, recurring donations, exchange for points of other rewards programs, etc.
Flexible point collection and redemption capabilities. Redemption methods include gift catalogue, membership fee reversal, purchase transaction reversal, recurring donations, exchange for points of other rewards programs, etc.
Let us know about your specific needs and we will be delighted to discuss how we can help you.