+48 (58) 511 20 00

Payment card services

Card issuing, processing, authorization and settlement of transactions

Transaction processing

Transaction processing services for e-commerce, m-commerce, POS and ATM transactions


ATM network development and management

POS terminals

Development and maintenance of POS terminals

Payment card services

We have a modern and functional system certified by international payment organizations - Visa, Mastercard - providing wide possibilities in the field of issuing and management of payment cards.

Card issuing

We provide the necessary infrastructure, systems and interfaces to deliver comprehensive card issuing and management services. We support Visa and Mastercard products, debit and credit cards, with a magnetic stripe, a microprocessor and with the contactless technology.

Card related supporting services

We have the tools, expertise and resources required to manage card related processes that support the issuance of payment cards. Our specialized teams monitor fraudulent transactions, process card and transaction complaints and handle chargebacks and provide customer support via a dedicated Card Call Center open 24 hours / 365 days.

We support  a loyalty program management module to offer special programs and promotions.

Functional system enables a flexible approach to every project.

We support services for different types of transactions.






We offer and provide services for the authorization, processing and settlement of transactions conducted at POS terminals as well as e-commerce, m-commerce and ATMs.

We own and operate a direct connection to Visa and Mastercard systems (Payment System Connectivity) via VEAS and MIP, respectively.

Registration of merchants to special programs in payment organizations (micropayments, payments at public & government institutions, etc.).

A system with the functionality to support many institutions.
A system with flexibility to create structures and  hierarchies.
A system supporting multiple currencies for  transactions,  authorization and settlement.

Authorization and settlement of transactions

A comprehensive offer to handle transaction processing services for acquiring activities – we offer and provide services for processes related to transaction authorization and routing as well as handling of settlements, fees and billing of commissions between participants of the payment system: Issuers, Acquirers and Merchants.

Supporting services for transaction processing

We provide support for all the necessary processes associated with the processing of payments. We have the necessary expertise, know-how, resources and tools to provide supporting services.


ATM network development and management

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POS terminals

We provide technical support services for POS payment terminals, including terminal personalization in accordance with the placed order, terminal activation, and technical maintenance.

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POS payment terminals

We deliver and operate POS terminals in retail and service outlets. We process transactions, provide technical support to users. We provide services for national payment institutions having appropriate licenses of international payment organizations.


Identification POS terminals

DWe deliver and operate terminals in Partners’ outlets  (e.g. bank branches), for the purposes of identification and acceptance of limited types of transactions. We have the ability to support alternative card products and additional card functionalities, i.e.: n identification card for customers serviced in bank branches, an authenticating card for bank employees.


Have You any questions?

If  you have any questions, please contact us by using the Contact Form. We will do our best to respond as soon as possible.



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Head Office

Cardera sp. z o.o.
Arkońska 11, 80-387 Gdańsk

Phone Numbers

Tel. +48 (58) 511 20 00
Fax +48 (58) 511 20 01


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