To keep up, institutions need solutions that not only respond to current demands but also anticipate them. Cards—physical, digital, credit, debit, or prepaid—remain the most direct channel for connecting users with their finances. And behind every successful transaction, there must be solid, future-proof technology to make it possible: the card core.
EVERYCARD®, the card core solution from CLAI PAYMENTS® Technologies, has been designed to be the engine that powers this new era of payments. More than a platform, it is a modular, flexible, and scalable ecosystem that allows financial institutions, fintechs, and cooperatives to centrally and efficiently manage the entire lifecycle of a card, from issuance to final reconciliation.
A solution adapted to new market dynamics
Users expect immediate, omnichannel, and secure payment experiences. Statistics confirm this: the growth of contactless transactions, the rise of digital wallets, and the adoption of models such as Buy Now, Pay Later are transforming the playing field.
EVERYCARD® responds to this new environment with interoperability, real-time operations, and a high degree of customization. It allows you to issue and manage cards with different profiles, configure advanced authorization rules, parameterize financial products in minutes, and have full traceability of each card’s movements.
Additionally, thanks to an open and scalable architecture, it easily integrates with digital wallets, anti-fraud systems, and payment orchestrators such as AZ7®, our 360° transactional platform, to build value propositions tailored to your business.
Key features that make EVERYCARD® a state-of-the-art core
- Comprehensive issuance and management: Complete control of the card lifecycle (credit, debit, prepaid, virtual, or physical), including replacements, renewals, blocks, activations, and more.
- Online authorization: A powerful module that evaluates transactions in real time, applying business rules and dynamic limits.
- Rules engine: Defines operating conditions, promotions, payment plans, installments, rates, and customized limits for each product or segment.
- First-class management interface: Intuitive dashboards for card management, operations, reports, and financial product configuration.
- Reconciliation and monitoring: Detailed transaction logging, error control, alerts, and end-to-end reconciliation for greater traceability and operational control.
Forward-thinking innovation
The evolution of payment methods requires technological foundations that are kept up to date and ready to scale. EVERYCARD® operates under an infrastructure prepared for hybrid, on-premise, or cloud environments, and supports high availability and resilience environments.
In addition, our card core can be integrated with your payment processing and orchestration, enabling frictionless operations across different brands, channels, and media.
La evolución de los medios de pago exige bases tecnológicas que se mantengan actualizadas y listas para escalar. EVERYCARD® opera bajo una infraestructura preparada para entornos híbridos, on-premise o en la nube, y soporta entornos de alta disponibilidad y resiliencia.
Sumado a esto, nuestro core de tarjetas puede integrarse con su procesamiento y orquestación de pagos, lo que permite una operación sin fricciones entre diferentes marcas, canales y medios.
With EVERYCARD®, institutions not only get a solid, future-proof platform, but also a strategic ally that evolves with the business. Its modular approach allows you to adopt only the necessary components, grow in stages, and stay aligned with emerging regulations and trends.
Personalized experiences, smarter authorizations, efficient issuance, and error-free reconciliation. With EVERYCARD®, the card core ceases to be a technical challenge and becomes a competitive advantage.
Ready to take the next step? Share your details and a specialist will contact you to show you how EVERYCARD® can transform your card management.
