Authorise payments and transactions in real time – from anywhere and at any time – with CardX, the instant payment solution from Ergon. From ATM cash withdrawals to point-of-sale and online card payments, with TWINT or with instant payments – CardX can be flexibly expanded and adjusted to meet all your needs. Integrating new payment methods is quick and easy, so your clients can enjoy a simple and seamless payment experience.
CardX: the instant payment solution for Switzerland
SIC / SEPA instant payments and internal bank instant payments
Since August 2024, major Swiss banks have been required to process SIC5 instant payments around the clock; by 2026, this will apply to all institutions. euroSIC will be discontinued at the end of 2027. CardX already supports SEPA Instant Credit Transfer (SEPA ICT). Whether SIC5, SEPA or bank-internal instant payments – with CardX, you are at the forefront 24/7.
Debit cards with limitless possibilities
Your clients can enjoy all the advantages of a credit card with the convenience of a debit card. CardX supports the latest generation of Debit Mastercard and Visa Debit.
Integrating TWINT
By integrating TWINT, Switzerland’s standard mobile payment solution, you can offer your clients a secure and cash-free way to pay.
Multi-channel authorisation in real time
Complete revenue control, superb security: whether you pay using TWINT, by cash, with debit, credit or prepaid cards or by scanning a QR code. Accept all types of payments at ATMs or in store.
Flexibly integrating modern services
Complete ATMfutura support including direct booking (dual message), connection of Pialink and Flexlink and counter services.
Incorporating compliance and fraud checks
For short latencies, compliance and fraud checks can be called up for all channels directly from CardX (parallel). Configurable time-outs and limits ensure stable operation at all times.
Available 24/7, 365 days a year
Unlimited operation without any service interruptions during core banking system maintenance.
Fail-safe and scalable
Modular processes that run independently in multiple executions.
Test tool for seamless security
Expandable, automated test suite that generates all of the transactions and business cases to test the authorisations and correct processing in the core banking system.
Future-proof with new digital solutions
Contemporary and client-centric services with superb security and complete revenue control.
The advantages of CardX instant payments
Instant payments are the new normal. According to the Payment Methods Survey conducted by the Swiss National Bank (SNB), in 2022 the majority of people in Switzerland preferred using more innovation-driven payment methods, like contactless payments. For clients, a seamless payment experience is the most important aspect. From 2024 onwards, instant payments will be standard for Swiss banks. As a provider, you will benefit from immediate payment processing with minimal risk of payment defaults – around the clock, with no exceptions and in real time.
Are you ready for instant payments? Discover the unlimited possibilities of CardX.
CardX: licences and instant payments
On-premise, in a collective or centrally through Swisscom: thanks to a range of individual operating models, you can choose where and how we run CardX. One-off licence fees and an annual maintenance and support fee ensures cost transparency. You will also benefit from the following functions:
Immediate payment authorisation
Authorisation with SIX Pialink, ATMfutura (OTIS/OSTA), Debit Mastercard/Visa Debit, TWINT, QR code, Viseca Flexlink, SIC5-IP and SEPA ICT.
ATM service
In-bank services like special deposit machines or back-up counter applications.
QR code service
Authorisation and reservation of QR code withdrawals.
Prepaid service
Account authorisations for credits on prepaid cards, flexible payment method management.
Client and consulting service
Overview of transactions, querying of limits, remaining overdraft and currently available funds, support with client queries.
Complete control
Specific restriction of individual cards, lifetime, annual, monthly, daily and transaction limits for different business cases.
Geoblocking
Protection against skimming, card blocking for certain countries.
Easy incorporation of new core banking systems
Thanks to account replication with event-oriented calculation of account availability, preregistration and booking interface or payment method replication.
Six Swiss banks have successfully used CardX since 2001. Using it in a collective means that costs can be shared and there is a reduced risk for sustainable solution development. Together, we can drive innovation forward and create a better client experience.
“Since CardX is so agile, we can respond to market developments and regulatory changes far faster and offer our clients the latest services for their payment products.”
Integrating our CardX instant payment solution is extremely easy
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Existing interface connections
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Avaloq core banking system
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Payment method management applications
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CAS Avaloq module from amétiq banking
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CardOne from Swisscom
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Detect-F: Real-time fraud detection for instant payments from Ergon
Integration of CardX
Glossar
| ATMfutura | Protocol for the latest generation of ATMs |
| DTB | Viseca interface for clearing transactions |
| Flexlink | Viseca interface for authorising card transactions |
| KTB | SIX interface for clearing transactions |
| OTIS | Online to issuer; element of Pialink (availability authorisation of bank’s own cards) |
| OSTA | Online to location; element of Pialink (delivery of all transactions at bank’s own ATMfutura machines) |
| Pialink | SIX interface for authorising card transactions |
| POS | Point of sale (e.g. card terminal in a supermarket) |
| SIC | Swiss Interbank Clearing (central Swiss payment system run on behalf of the SNB) |
| SIC-IP | SIC5 Instant Payments (SIC payments with a maximum processing time of 10 seconds, available 24/7, 365 days a year) |
| TWINT | Payment system for cashless payments using OTIS/Pialink |