Service overview
Card programs for payments, spending, rewards, customer engagement and approved business use cases.
Phoenix helps businesses, institutions and brands develop prepaid and stored-value cards, credit-card programs, loyalty-linked programs and co-branded cards, delivered directly or, where applicable, through an authorised partner institution and/or technology partner.
Program availability, card type, issuer role, BIN sponsorship, scheme participation, processing model, settlement mechanics, reporting and controls are confirmed through approved partner arrangements and written program documentation.
Phoenix does not represent that any Visa, Mastercard, issuer, BIN sponsor, processor or settlement arrangement is available unless the relevant approvals and agreements are in place for the specific mandate.
Card programs for different needs
Prepaid and stored-value cards
Pre-funded card programs for controlled spending, disbursements, gifting and defined payment needs.
Credit-card programs
Partner-enabled programs with credit facilities, spending controls, billing and repayment arrangements tailored to the approved program.
Corporate and business cards
Programs for employee expenses, travel, procurement and business payments, with spending controls and consolidated reporting.
Loyalty and rewards programs
Standalone or card-linked loyalty programs for customer rewards and repeat engagement.
Co-branded card programs
Programs carrying a client’s brand, combining approved payment functionality, customer benefits and program features.
The program brief should define the transaction visibility, spending limits and reporting needed by participants and administrators.
Security, fraud monitoring and payment-processing responsibilities depend on the approved issuer, scheme, processor and technology arrangements.
Match the program to its participants
Approved private client structures
Confirm permitted payment channels, access, currency functionality and participant controls for the proposed mandate.
Corporate program structures
Define employee expense and travel policies, approval hierarchies, spending limits and finance-team reporting.
Business payment structures
Document vendor-payment and expense workflows, reconciliation requirements and any accounting or ERP integration needs.
Infrastructure and operating arrangements
The card program defines the client use case. Payment Infrastructure covers issuer, BIN, scheme and processor coordination, integration, security and operating oversight.
Acceptance, geographic coverage and currency functionality depend on the approved partner arrangements; they are confirmed for each mandate.
The program brief should specify transaction histories, spending analysis, reconciliation and reporting needs so their availability can be assessed.
Client due diligence, program approval, applicable scheme rules and regulatory requirements apply before activation.
Prepare the program brief
Describe who will use the program, what payments or rewards it supports and which controls are needed. Phoenix can then review the proposed scope and delivery arrangements with the relevant counterparties.
Plan a card program enquiry
For businesses, institutions and brands defining a card, spending or customer-engagement program.
Scope to discuss
- Select the relevant prepaid, corporate, credit, loyalty or co-branded use case.
- Define eligible participants, spending controls and reporting needs.
- Review the issuer, scheme, processor and delivery arrangements needed.
The program proposition is reviewed alongside partner approvals and written terms. Payment Infrastructure explains integration and operating coordination; Merchant Acquiring addresses accepting customer payments.
Information to prepare
Prepare the business profile, intended participants, spending or rewards use case, requested jurisdictions and currencies, reporting needs and existing partners.
Next steps and fees
Send an initial enquiry with the service and your objective. Phoenix reviews the proposed scope, eligibility and information requirements before a mandate is agreed. Execution is subject to due diligence, documented responsibilities and the relevant approvals.
Fees are assessed by mandate scope, complexity, due diligence and execution requirements. Review the Fees & Engagement Terms before discussing a proposal.