Across every channel in real time.
24/7 authorisation of payments.

Authorisation of Payments CardX


CardX makes efficient authorisation of payments and transactions a breeze, anywhere and in real time – whether you’re withdrawing money from an ATM or making a point-of-sale or online shop payment, either by card or with TWINT. CardX checks and authorises credit balances and thus prevents the risk of customers going overdrawn. The solution can be flexibly extended and quickly adapted to shifting market conditions. Moreover, new payment methods can easily be integrated to ensure a modern customer experience.

Advantages at a glance

Debit cards with boundless possibilities
Customers enjoy all the advantages of a credit card with the simplicity of a debit card: support for the latest generation of Debit Mastercards and Visa Debit cards.

Multi-channel authorisation in real time
Global acceptance, optimised security and total control of sales: ATMs, point of-sale transactions, e-commerce, hotel and rental reservations, TWINT, interbank, coin deposit machines, prepaid card business, cashless counters, QR code withdrawals at ATMs are all fully integrated.

TWINT integration
Secure cashless payments with Switzerland’s mobile payment standard, TWINT.

Flexible integration of modern frontend services
Full ATMfutura support including direct booking (dual message) and connection to Pialink, Flexlink, and counter services.

24/7 availability
Unlimited uptime with no service interruptions during maintenance of the core banking system.

Failsafe and scalable
Processes run independently in multiple (typically duplicated) instances.

Test tool for seamless security
Expandable, automated test suite that models every possible transaction and business case to test authorisations and correct processing within the core banking system.

Future-proof with new range of digital services
Cutting-edge performance and customer-focused services with optimised security and total control of sales.

Integration of CardX

Integration of CardX

Real-time authorisation of payments

  • SIX Pialink version 6.6: ATMfutura (OTIS/OSTA), Debit Mastercard/Visa Debit, TWINT, QR code
  • Viseca Flexlink version 1.2: including ATMfutura functionality
  • ATM service: service for bank’s in-house services such as specialised deposit devices or backup counter applications
  • QR code service: authorisation/reservation for ATMfutura QR code withdrawals
  • Pre-paid service: account authorisations for credits to pre-paid cards

Flexible management of payment methods

  • Customer service and helpline
    • Enquiries and notifications for transactions and transaction status
    • Limit enquiries, remaining overdraft, customer’s currently available funds, support for customer queries
  • Enhanced security and monitoring
    • Precise limits per card, including settings for lifetime/annual/monthly/daily and transaction limits for a range of business scenarios (e.g. in-store or e-commerce, domestically or abroad, etc.)
    • Geo-blocking enables refusal of withdrawals in certain at-risk countries and prevents skimming


ATMfutura Protocol for latest generation of ATMs
DTB Viseca interface for transaction clearing
Flexlink Viseca interface for authorisation of card transactions
KTB SIX interface for transaction clearing
OTIS Online to issuer; element of Pialink
(availability authorisation for bank’s own cards)
OSTA Online to location; element of Pialink
(delivery of all transactions at bank’s own ATMfutura cash machines)
Pialink SIX interface for authorisation of card transactions
POS Point of sale (e.g. card terminal in a branch of a Coop or Migros supermarket)
TWINT Payment system for cashless payments via OTIS/Pialink

Simple integration

Existing interface links

  • Avaloq core banking system
  • Payment method management application
    • Monex’s CAS Avaloq module
    • Swisscom’s CardOne

Simple linking to new core banking systems

  1. Accounts and transactions: Account replication with event-driven calculation of account availability (Input interface CardX)
  2. Transactions: Flagging and accounting interface (Output interface CardX
  3. Exchange rates (Input interface CardX)
  4. Payment methods: Payment method replication (Input interface CardX)

Licensing, maintenance and operation

  • One-off licence payment
  • Annual maintenance and support packages including interface updates due to regulatory changes
  • Operation with Swisscom as tenant or locally on-premises

Collective advantages

CardX has been running successfully at six Swiss banks since 2001. Collective use means shared costs and a reduction of risk in developing a sustainable solution. Driving innovation together helps create a better customer experience.

Are you ready for the future?

Adrian Berger

Adrian Berger

MD Finance & Telecom Solutions
+41 44 268 89 26
Sascha Rieger

Sascha Rieger

Senior Key Account Manager
+41 44 268 86 36

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