Personalization Validation

Card personalization validation ensures that the data programmed onto your chip cards is correct before the cards are issued to cardholders. It is done to verify that:

• Card type data matches specifications.
• Card application data is configured correctly.
• Cardholder information is accurate.
• The card functions as intended for its specific use.
• It is a final quality check that catches errors before cards reach your customers. Prevents costly reissuance and cardholder surprises.

Issuing cards with incorrect personalization data creates serious problems:

• Costly reissues of cards that do not work and must be replaced, costing you production, shipping, and customer service expenses.
• Card declines at checkout make customers lose trust and damage your brand reputation.
• Incorrectly personalized cards may fail payment scheme certification requirements.
• Discovering issues after issuance means stopping production, investigating root causes, and delaying rollouts

We help you find these issues before cards leave your facility.

We provide personalization validation services for all the major international and domestic schemes.

We have helped issuers and card bureaus achieve certification across these schemes, ensuring your cards meet each network's specific requirements.

We are tool-agnostic and experienced with most validation tools, and we also have our own personalization validation tool, Tropo, in the final stage of development.  

We can use the personalization validation tools you've already invested in; we work with what you have.

Do not have tools yet? We bring our test tools. We support both pre-certification debugging and official certification.

Our flexibility ensures you get validation support regardless of your current setup.

We guide you through the entire personalization validation journey:

• Test your personalization specifications before submitting for official certification.
• We work alongside you during the official payment scheme certification to ensure first-time success.
• Leverage our hands-on experience with developing our own test tool and multiple validation tools to streamline testing.
• We help you validate the first time correctly, reducing reissuance costs and launch delays.

We help you find these issues before cards leave your facility.

We guide you through the entire personalization validation journey:

• Issuing banks that validate cards before issuing them to cardholders, including debit, credit, prepaid, or loyalty cards.
• Card bureaus and manufacturers ensure personalization meets customers' specifications and scheme requirements before delivery.
• Payment processors that validate cards on behalf of issuer clients to ensure quality and compliance.
• Any organization responsible for personalizing chip cards benefits from validation to prevent costly errors.