The Card Services module provides comprehensive card management capabilities for financial institutions, supporting various card types and payment networks. This module enables end-to-end card lifecycle management from issuance to transaction processing.
💡 Modern Card Management Woodcore’s Card Services module delivers a complete card management solution that supports multiple card types, payment networks, and processing capabilities while ensuring security and compliance. The platform enables rapid deployment of card programs with full ISO 8583 protocol support and comprehensive dispute management.

​
Core Capabilities

CapabilityDescriptionFeatures
Card IssuanceEnd-to-end card issuance process• Card product management
• Card personalization
• Card production
• Card delivery
• Card activation
Transaction ProcessingComprehensive transaction handling• Authorization processing
• Clearing and settlement
• Transaction routing
• Fee calculation
• Dispute management
Card ManagementOngoing card lifecycle management• PIN management
• Card blocking/unblocking
• Card replacement
• Card renewal
• Card limits management
Security ManagementAdvanced security features• Fraud detection
• Risk scoring
• Transaction monitoring
• Security alerts
• Compliance checks

​
Card Issuance Process Flow

​
Transaction Processing Flow

​
ISO 8583 Protocol Support

Protocol FeatureDescriptionImplementation
Message TypesStandard message formats• Authorization (0100/0110)
• Financial (0200/0210)
• Reversal (0400/0410)
• Network Management (0800/0810)
Data ElementsMessage field definitions• Primary Account Number
• Processing Code
• Transaction Amount
• Transmission Date/Time
• Merchant Data
Network SupportPayment network integration• Visa
• Mastercard
• UnionPay
• Local Networks
• Custom Networks
🔄 Transaction Processing Woodcore’s card processing capabilities include:
  • Full ISO 8583 protocol implementation
  • Real-time authorization processing
  • Multi-currency support
  • Dynamic routing capabilities
  • Comprehensive fee management
  • Automated clearing and settlement
  • Real-time transaction monitoring
  • Advanced fraud detection

​
Dispute Management

Process StageDescriptionFeatures
Chargeback InitiationDispute processing start• Dispute reason codes
• Documentation collection
• Timeline tracking
• Status monitoring
• Communication management
RepresentmentMerchant response handling• Evidence collection
• Response preparation
• Timeline management
• Status tracking
• Communication handling
ArbitrationFinal dispute resolution• Case review
• Decision management
• Settlement processing
• Communication handling
• Compliance checks
⚠️ Dispute Resolution The dispute management system provides:
  • Automated chargeback processing
  • Comprehensive reason code support
  • Timeline management
  • Document handling
  • Status tracking
  • Communication management
  • Settlement processing
  • Compliance monitoring

​
Key Features

Feature CategoryDescriptionComponents
Card Product ManagementProduct configuration and setup• Product configuration
• Fee structure setup
• Card type management
• Network configuration
• Product versioning
Card IssuanceDigital and physical card handling• Digital card issuance
• Physical card production
• Card personalization
• Card delivery tracking
• Card activation
Transaction ProcessingComprehensive transaction handling• Real-time authorization
• Clearing and settlement
• Transaction routing
• Fee calculation
• Dispute handling
Card ManagementOngoing card operations• PIN management
• Card blocking/unblocking
• Card replacement
• Card renewal
• Limits management

​
Integration Points

ℹ️ System Integration The Card Services module integrates with:
  • Core Banking System for account management
  • Payment Networks for transaction processing
  • Digital Services for mobile/online access
  • Security Systems for fraud prevention
  • Reporting Systems for analytics
  • ISO 8583 Gateways for network communication
  • Dispute Management Systems
  • Compliance Monitoring Systems

​
Security and Compliance

AspectFeaturesCapabilities
Security FeaturesCard security measures• EMV compliance
• PCI DSS compliance
• Tokenization
• Encryption
• Fraud prevention
Compliance FeaturesRegulatory compliance• Regulatory reporting
• Transaction monitoring
• Audit logging
• Compliance checks
• Risk management
⚠️ Important Note Before processing live card transactions, ensure:
  • PCI DSS compliance certification
  • EMV compliance implementation
  • Network certification completion
  • Security measures configuration
  • Compliance monitoring setup
  • Dispute management procedures
  • Settlement processes
  • Risk management controls