Every financial institution has a
different challenge.

"I need to route and authorise transactions"

Payment Switching & Processing

ION8 implements and supports payment switch platforms that route, authorise, and settle transactions across ATM, POS, mobile, and online channels — connecting your institution to domestic and international payment schemes.

"I need to manage my card portfolio"

Card Management System (CMS)

ION8 deploys and configures Card Management Systems that handle the complete card lifecycle — issuance, activation, PIN management, fraud monitoring, and scheme compliance — across credit, debit, prepaid, and virtual card products.

"I need to print cards for my customers"

Card Personalisation & Bureau Services

ION8 delivers end-to-end card production capability — from setting up your card perso bureau to running your card production:

• Card Perso Bureau Design & Setup — full card personalisation card perso bureau design, equipment selection, HSM infrastructure, and scheme certification
• Bulk & Batch Card Production — high-volume card runs for institutions needing regular production cycles
• Instant Issuance — branch-level on-the-spot card printing, putting a card in the customer's hand right away

Personalisation methods supported

Embossing, Indent printing, Laser engraving, Thermal transfer, Flat/unembossed printing

Card types & materials

• Standard PVC — contact chip (EMV), dual interface (EMV + contactless)
• Metal cards — premium cardholder experience
• Eco-friendly cards — recycled PVC, ocean-bound plastic, bio-sourced materials (PLA), wood-based — aligned with Visa and Mastercard sustainable card programmes

"I need to accept payments in-store or on the move, and online"

Acquiring, SoftPOS & Payment Gateway

ION8 enables financial institutions and merchants to accept payments across every channel:

In-store or on the move

• Physical POS — PAX, Ingenico and other leading terminals
• SoftPOS — turn any Android smartphone into a certified payment terminal, ideal for mobile merchants on the road
• ATM — GRG, NCR, Herong deployment, configuration, and management
• HSM provision and configuration for secure key management across your network

Online ecommerce

• White-labelled Payment Gateway — hosted on your own infrastructure for full control and branding
• Merchant orchestration — for smaller merchants unable to process online independently: a ready-to-go platform already connected to multiple payment gateways, maximising approval rates and lowering costs
• Merchant onboarding — ION8 has relationships with gateways across multiple regions that can onboard merchants rapidly, taking the compliance and operational burden away from you

"I need to secure digital transactions"

Tokenisation & 3D Secure

ION8 implements the full security stack for digital and mobile payments:

• Network Tokenisation — Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES) implementation, replacing sensitive card data with network tokens to protect every digital transaction
• 3D Secure / MPI — scheme-compliant cardholder authentication for e-commerce, reducing fraud liability and improving approval rates

"I need digital and mobile banking"

Mobile & Internet Banking

ION8 delivers mobile and internet banking platforms built for financial institutions operating in dynamic and growing markets — feature-rich smartphone apps and internet banking portals that give customers full control of their finances, anywhere, anytime.

"I am losing money and don't know why"

Transaction Reconciliation

ION8 provides reconciliation tooling that automates the matching of transactions across your entire payment ecosystem — so you always know exactly what you are owed and what you owe.

• 2-way, 3-way and 4-way reconciliation — across Scheme (Visa/Mastercard), Switch, Core Banking, and terminal devices
• Scheme settlement verification — "Am I being paid the correct amount by Visa or Mastercard?" — ION8 reconciliation gives you the answer, automatically, every settlement cycle
• Reduce manual effort, eliminate human error, and close financial exposure gaps before they become losses

"I need to test my payment systems safely"

Simulators & Test Environments

ION8 provides a complete suite of payment system simulators — eliminating the need to use production infrastructure for testing:

• ATM Simulator — no need to pull a live ATM from your network or maintain a separate test machine. Simulate any ATM scenario including hardware faults, card jams, and network failures — impossible to replicate on a physical device
• POS Simulator — test acquiring flows, contactless, EMV, and fallback scenarios without physical terminals
• ISO & ICC Simulators — test host interfaces and chip card interactions in a controlled environment
• HSM Simulator — replace your physical HSM in test environments, eliminating the cost and complexity of dedicated test HSM infrastructure. Full cryptographic simulation for key management testing
• Load Testing — simulate hundreds of ATMs simultaneously on your network and observe how your switch and core banking systems behave under peak load — before it happens in production

"I need to onboard customers quickly and compliantly"

KYC & Customer Onboarding

ION8 implements digital KYC and customer onboarding workflows that reduce friction for your customers while keeping you fully compliant with local and international regulations.

• Digital identity verification — document capture, liveness detection, and automated ID checks
• Tiered onboarding — risk-based customer classification from day one, aligned with your regulatory requirements
• Workflow automation — structured, auditable processes that eliminate manual bottlenecks and reduce onboarding time from days to minutes
• AI-assisted review — automated document review and exception handling, with human-in-the-loop for edge cases

"I need to detect and report suspicious activity"

AML & Transaction Monitoring

ION8 helps financial institutions implement and tune AML controls that catch real threats without drowning your compliance team in false positives.

• Transaction monitoring rules — configuration and tuning of monitoring scenarios aligned to your risk appetite and regulatory environment
• Sanctions screening — real-time screening against global sanctions lists, PEPs, and adverse media
• SAR workflow — structured suspicious activity reporting workflows, fully auditable and regulator-ready
• Periodic review automation — automated customer risk rescoring and enhanced due diligence triggers

"I need to achieve or maintain PCI DSS compliance"

PCI DSS Certification Readiness

ION8 guides payment institutions through PCI DSS gap assessment, remediation, and certification — delivered with our accredited QSA partner.

• Gap assessment — a structured review of your current environment against all PCI DSS requirements, with a prioritised remediation roadmap
• Remediation support — ION8 works alongside your technical teams to close identified gaps, from network segmentation to access control policies
• QSA liaison — coordinating with our accredited QSA partner to streamline the formal assessment process and avoid surprises on audit day
• Ongoing compliance — post-certification monitoring, policy maintenance, and annual readiness reviews

"I need a full digital banking platform"

Alpha Banking & Highgate

ION8 deploys and supports Alpha Banking — a comprehensive digital banking platform built for banks and financial institutions that need a modern, scalable core without the multi-year build.

• Core banking engine — accounts, deposits, loans, and ledger management on a single platform
• Digital channels — mobile and internet banking, pre-integrated and ready to launch
• Payments hub — domestic and international payment rails, SWIFT, and scheme connectivity
• Highgate — Alpha Banking's embedded finance layer, enabling non-bank businesses to offer financial products under their own brand

ION8 is a certified implementation and support partner for Alpha Banking and Highgate.

"I need multi-currency business accounts, cards and FX"

Glyde

Glyde is a UK-based financial platform built for SMEs — offering multi-currency business accounts, payment cards, and foreign exchange as a straightforward alternative to traditional FX brokers.

• Multi-currency business accounts — hold, send, and receive in multiple currencies without the complexity of traditional banking
• Business payment cards — cards for teams that work across currencies and borders
• FX & international payments — competitive rates and fast transfers as an alternative to traditional FX brokers

ION8 is a referral partner for Glyde. If your business or clients need multi-currency accounts and FX, we can make the right introduction.

"I need expertise, assurance and training"

Consultancy, Expert Services & Training

Project Management

ION8 provides PMI-certified payment project managers who ensure your implementation is delivered on time, within scope, and successfully certified. We act as the bridge between your internal teams, your payment service providers, and the scheme certification bodies — keeping every workstream aligned and moving.

Platform Experts

• PowerCARD (HPS) — implementation, configuration, upgrades, and troubleshooting
• Postilion (ACI) — switch deployment, optimisation, and migration
• Surnia/WiseCard — implementation and operational support
• EPS/BITS — implementation and support
• Network & Scheme Certification — Visa, Mastercard, and domestic scheme certification assistance

Payment Systems Health Checks

ION8 conducts structured assessments of your live payment environment — switch, CMS, acquiring infrastructure, and card department processes and organisational structure. Every health check concludes with a detailed recommendation report with prioritised actions.

Training

• Platform training: PowerCARD, Postilion, Surnia, EPS/BITS
• Payment fundamentals for technical and business teams
• Security awareness, PCI DSS, and fraud pattern refresher courses
• PCI DSS certification readiness — gap assessment, remediation guidance, and certification support delivered with our accredited QSA partner

"I need to choose the right payment platform or vendor"

RFP & Vendor Strategy

ION8 guides financial institutions through the vendor selection process — from defining requirements to shortlisting, scoring, and negotiating with payment technology providers.

• Requirements definition — translating your business and regulatory needs into structured, vendor-neutral technical and functional requirements
• RFP design & management — crafting RFP documents, managing vendor responses, and running structured evaluation processes
• Vendor scoring & shortlisting — independent, criteria-driven scoring across technical capability, commercial terms, and implementation track record
• Negotiation support — ION8 draws on deep knowledge of payment platform pricing and contract structures to help you negotiate from an informed position
• Proof of concept oversight — scoping and managing PoC engagements to validate vendor claims before contract signature