DECTA’s Issuer Processing services and Tokenization Solutions enabled Urbo Bank to issue Visa payment cards and integrate with digital wallets such as Apple Pay and Google Pay. The bank sought to improve its digital offerings to stand out in a competitive market. The transformation required a payment processor to manage the entire card issuing process, including Visa integration, card ordering, and final card delivery.
A key feature was the integration of tokenization services to enable compatibility with digital wallets. Additionally, Urbo Bank aimed to give customers more control over their cards in a digital environment, including features like managing purchase limits, blocking or unblocking cards, replacing lost cards, and updating delivery information.
To meet these needs, DECTA provided a tailored solution that included several key components. The Tokenization Services allow customers to use digital wallets, while the 3D Secure v2 solution was implemented to reduce fraud and enhance security during online transactions.
The partnership opening new doors
DECTA also provided Urbo Bank with an Issuing API that automated the management of card issuance, activation, transaction monitoring, and cardholder information, as well as supporting top-ups, withdrawals, and secure retrieval of PIN, PAN, and CVV data.
This collaboration led to a successful and early launch, positioning Urbo Bank to compete in the digital banking space. The partnership enabled Urbo Bank to offer Visa payment cards with digital wallet compatibility and advanced customer controls, supported by DECTA’s technology.
