New Card Program Creation
Launch fully configured card programs from scratch — including scheme setup, transaction limits, and processor onboarding across your chosen platform.
CARD PROGRAM Management OPERATIONS
Card Program Operations Layer for Fintechs
We work as an extension of fintech teams on i2c, with active capability across Thredd, Marqeta, and Paymentology. Launch new card programs, operate live ones, and run campaigns without the headcount overhead of building it all internally.
Works with:
i2c
Marqeta
Paymentology
Thread
Core capabilities
i2c Native
Deep platform expertise across configuration, fraud rules, MCC controls, and operational reporting
Multi-Processor
Active capability across i2c, Marqeta, Paymentology, and Thread card processing platforms
Expert Team
Senior specialists work directly on your program no junior handoffs, no offshore relay, no ticket queue
Your Authority
Operating under your access and approvals your audit trail, your governance, your data
16 Core Operations. One Expert Team.
From initial BIN setup to live transaction analysis — TechFers handles every layer of your card program operations with precision.
Existing Card Program Management
Take over and optimise live card programs — handling day-to-day operations, parameter adjustments, and continuous performance improvements.
BIN Definition & Management
Define Bank Identification Numbers with full configuration — card types, ranges, issuer details, and processor-specific BIN parameters once details are provided.
Service Addition & Configuration
Add and configure services such as ATM_WTHD, NEW_CARD_PO, POS, and more — for both new and existing card programs with precision mapping.
Parameter Configuration
Define and manage operational parameters — velocity limits, geographic controls, spending caps, and card-level restrictions for any program type.
Fraud Parameter Management
Implement and fine-tune fraud detection rules — velocity checks, suspicious pattern flags, and real-time decline thresholds for both new and existing programs.
MCC Restriction Management
Apply Merchant Category Code restrictions to control where cards can and cannot be used — blocking specific categories as required by program policy.
Scheduled Reporting
Automate report generation and delivery — transaction summaries, settlement files, card activity reports and compliance exports on any cadence you require.
Balance Discrepancy Identification
Detect and reconcile balance mismatches at both program and individual card level — ensuring financial accuracy across all accounts and ledger positions.
Transaction Analysis
Deep-dive into transaction streams — identifying patterns, anomalies, decline reasons, and spend behaviour to drive actionable program improvements.
Primary & Secondary Program Definition
Architect multi-tier card program structures — defining primary programs and linking secondary programs with appropriate inheritance rules and independent controls.
Coupon Management at Program Level
Configure cashback, discount, and reward coupons at the card program level — driving customer engagement and spend incentives tailored to each program's goals.
Campaign Definition & Management
Build and manage marketing campaigns at the card program level — defining eligibility rules, reward triggers, duration windows, and campaign tracking parameters.
Non-Profiled Card Creation
Issue anonymous, non-profiled cards in single units or bulk batches — ideal for prepaid products, gift cards, and programmes not requiring full KYC at issuance.
Profiled Card Creation
Create KYC-verified, fully profiled cards for individual cardholders or in bulk — with complete cardholder data and instant activation readiness.
Cardholder Profile Updates
Manage and update cardholder data at scale — address changes, contact details, KYC re-verification, card replacement links, and profile enrichment across all programs.
Expert Operations Across All Major Processors
TechFers holds deep configuration knowledge across the four leading card processing platforms used by modern fintechs and banks.
i2c
Deep configuration expertise on one of fintech's most powerful processing platforms.
i2c's highly configurable platform enables granular card program management. TechFers brings deep expertise in configuring i2c programs — from BIN definition through to advanced fraud parameters and transaction analysis.
- BIN table setup and range definition
- Service flag configuration (ATM_WTHD, NEW_CARD_PO and more)
- Velocity and fraud parameter management
- Primary and secondary program hierarchy
- Bulk and single card issuance (profiled and non-profiled)
- Report scheduling and transaction analysis
Marqeta
Modern, API-first card issuing configured for speed and compliance.
Marqeta's API-first platform powers many of the world's leading fintech card products. TechFers configures and manages Marqeta card programs with a focus on speed, compliance, and operational clarity.
- Card product and program creation via Marqeta APIs
- Velocity controls and spend limit configuration
- MCC group management and transaction restrictions
- Tokenisation and digital wallet enablement
- Cardholder profile creation and management
- Balance reconciliation and JIT funding rules
Paymentology
Robust issuer processing infrastructure for banks and fintechs at scale.
Paymentology provides robust card issuing infrastructure for banks and fintechs across emerging markets and beyond. TechFers delivers full configuration and operations management on the Paymentology platform.
- Card program setup and BIN configuration
- Scheme and network parameter management
- Fraud rule configuration and monitoring
- Balance discrepancy identification and reconciliation
- Campaign and coupon program management
- Bulk card issuance and profile management
Thread
Modern embedded finance infrastructure for fintech card programs.
Thread provides modern banking and card infrastructure for fintechs building embedded finance products. TechFers manages Thread card program operations with full understanding of its API and configuration layer.
- Card program and product configuration
- Service and parameter definition
- Fraud and risk parameter management
- Cardholder lifecycle management
- Transaction monitoring and analysis
- Reporting automation and scheduled exports
Deep expertise, delivered without the agency overhead
Senior team, direct engagement
You work with the senior specialist running your program not an account manager translating to a junior team.
Your processor relationship stays yours
We operate under your authority and access. Your processor relationship remains entirely yours. We never insert ourselves into that relationship.
Defined scope, defined outcomes
Operational layer only no regulatory work, no scheme certification, no BIN sponsorship. Clean lane, clear deliverables.
No lock-in
No multi-year commitments. Standard 30-day notice. Clean handover protocols whenever you need them.
From first call to live operations in four steps
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Discovery Call
A focused conversation about what you're running today, where the friction sits, and whether what I do actually maps to your situation. Honest assessment of fit some of it may apply, some won't.
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Scoped Diagnostic
A focused operational review of one card program or one specific area. Written assessment with prioritized recommendations. At the end, you decide what's next implement yourselves, hire me for specific projects, or do nothing. Either way, you have an outside expert view.
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Engagement Design
Based on the diagnostic, we scope the right engagement could be a specific configuration project, an ongoing operational retainer, or a hybrid. Clear scope, clear pricing, clear deliverables.
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Execution & Iteration
Hands-on work begins. Regular reporting cadence. Quarterly reviews. The relationship grows as trust grows additional programs, deeper services, or specialist capabilities added as needed.