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Magtek ExpressCard EMV

Verisoft Instant EMV and Magtek working together to bring Instant issuance of credit, debit, pre-pay and contactless payment technologies to the bank branch.

Magtek's ExpressCard EMV instant issuance card printer & embosser is supported by Verisoft Instant EMV as used by MetroBank

Magtek Expresscard EMV

The ExpressCard EMV is Magtek's proven hardware platform for secure, branch based instant card issuance. It is a full colour double sided card printer, embosser and magnetic + smart card + contactless encoder all in one. ExpressCard EMV allows custom printed EMV Chip and PIN cards to be issued instantly via bank branches, retail outlets or mobile sales locations

Card User Benefits

  • Local Issuance of EMV Chip and PIN cards
  • Card user can select their own PIN at point of issue
  • Card User can use any photo/image of their choice
  • Card is ready to use instantly

Card Issuer Benefits

  • Reduced postage costs
  • Zero postal fraud
  • Zero card activation call centre costs
  • Customer selected PINs reduce dormant accounts
  • Re-issuing costs greatly reduced
  • Exceeds Visa and Mastercard security standards
  • Secure data preparation and management
  • Secure distribution and card stock management
  • No requirement for tipping or indent print supplies
  • Modular solution can adopt existing branch hardware.

For more information on Instant Issuance and ExpressCard EMV visit

P-Card Int. Smartcard Factory Saudi Arabia selects PowerEMV

Leading EMV smartcard production and personalisation factory
P-CARD in Riyadh, Saudi Arabia decided to work with PowerEMV and Thales P3. After completing the migration on Matica Z20 system with 5 couplers, Verisoft is now implementing PowerEMV on a large RUHLAMAT machine with 16 couplers.

P-CARD will personalize MULTOS and GP credit and debit cards with VSDC, MCHIP4 and SPAN applications.

PROBANK Greece Selected PowerEMV

Leading Greek Bank PROBANK have selected PowerEMV to personalize their EMV debit and credit cards in house using CIM PRO-SERIES embossers.

PowerEMV upgraded at RBS Pakistan

Royal Bank of Scotland (RBS) in Pakistan have upgraded their PowerEMV to multicoupler version.
The new system will be driving an embosser with 5 smartcard stations to personalize Multos Select cards with MCHIP4 application.
PowerEMV works seamlessly with the industry standard P3 EMV data preparation system from Thales e-Security.

Visa Instant Issuance


In today’s highly competitive financial services world, the importance of establishing and maintaining strong customer relationships cannot be underestimated.
Consumers’ expectations of service quality are continually increasing; the instant provision of a payment card following successful registration, or the instant replacement of a lost or stolen card can be important tools in ensuring card activation and cardholder retention.

Visa card personalisation has traditionally been performed in highly secure, special purpose bureaux. Technology is now available to instantly create fully personalised Visa cards in bank branches, at retailer locations or on the road to support special promotions or sporting events. Instant issuance can be used to deliver any type of Visa card; credit, debit, prepaid, V PAY, chip and PIN and Visa payWave.

Once a new customer’s details have been captured and approved, the process of personalising the card typically takes less than a minute; this includes embossing account and cardholder details on the front of the card, printing CVV2 on the back, and electronically encoding the magnetic stripe and chip. It is also possible to graphically print individual card designs if required.

As an optional feature, a secure PIN pad can be used to allow the new cardholder to choose his or her PIN.
Alternatively, Integrated Voice Response (IVR) systems or traditional PIN delivery methods can be used.


Feedback from in-branch Visa debit and credit issuers, and evidence from instantly issued retail private label programmes demonstrates that instant delivery of card to cardholder results in earlier activation and higher activation rates than for cards delivered through mail. Instant issuance can be used as a service differentiator and customer acquisition tool; providing new customers with a card for immediate use, and existing customers with an instant replacement of a lost or stolen card.

Range of different solutions

Branch based systems for instant issuance of Visa debit and credit are in place today in many countries around the world. Visa is working with its member banks and key partners to develop scaleable pragmatic solutions to enable issuance of all types of Visa cards in both branch and non-branch environments. In August 2008 Findomestic launched the first retailer operated Visa instant issuance pilot in Europe at the La Rinascente department store in Catania, Italy.

Visa’s implementation requirements for instant issuance describe physical and logical system design and operations to ensure that all equipment, customer data, card stock, consumables, cryptographic keys and PINs are adequately controlled and protected. Many requirements are common to all environments, for example, all systems must enforce dual control and segregation of duties to ensure that no single person has the ability to enter a customer’s personal information, create a card and choose or obtain the PIN.
Non-branch systems located in environments such as department stores or hypermarkets require additional
physical and logical controls

Visa instant issuance demonstration

Visa’s instant issuance demonstration system shows how multiple new technologies can work together to instantly deliver unique and personal cards for your customers:

  • Card image selection and manipulation software allows cardholders to create individual designs for their card.
  • Desktop personalisation equipment can fully personalise a card while the customer waits. This includes image printing, embossing the front of the card, indent printing CVV2 on the rear of the card, encoding the magnetic stripe and securely writing data to the chip.
  • Visa payWave cards can be instantly issued if required.
  • Innovative transparent card bodies broaden the range of card design possibilities, and provide a window into the card’s chip and contactless technology.

For more information
Please contact your local Visa Europe representative or email euinstantissuance(at)

Visa Instant Issuance Brochure (This article) PDF

Thales supports BKME, Kuwait in implementing instant EMV card issuance

Source: MENAFN Press - 03/09/2009

Thales, a leader in information systems and communications security, today announces that it is providing BKME with an instant EMV card issuance system which allows banks' branches to provide customers with a new Chip and PIN card within ten minutes.

The system, which Thales has demonstrated with its partners in the region over the past four years, allows customers to apply for a card and to choose their own PIN number in the branch.

The EMV Instant Issuance implementation enables BKME to lead the way not only in the Middle East but on a global scale in issuing Chip cards.

The bank is able to provide its customers with a fully personalised EMV card in the branch, reducing the cost of mailing cards and PIN’s to customers and eliminating the risk of cards being stolen or lost in transit.

It is estimated that between 20-30% of mailed credit and debit cards are never activated or rejected, incurring unnecessary costs in terms of materials, production and delivery.

The complete system brings together the technology and expertise of Thales, Verisoft, and the local Thales partner Al Nawasi. Paul Meadowcroft, head of transaction security for the Information Systems Security activities of Thales says: "The successful introduction of the instant issuance system at BKME is the result of 12 months of planning, testing and implementing appropriate processes.

We believe that we will now see other banks worldwide follow suit, especially in Saudi Arabia, where an increase in demand is evident with the SPAN domestic Debit application."

He adds: "The implementation of instant EMV cards at BKME not only provides cost and time-saving benefits but also offers the possibility of secure instant issuance of ID and store cards in the future."

The system has been rolled out at all 22 BKME branches in Kuwait and has been live since August 2007, working seamlessly with Thales P3 crypto modules and existing Thales HSMs purchased by the bank. The project was implemented in conjunction with Al-Nawasi, a General Trading & Contracting Company and Thales partner in Kuwait, and Verisoft, a provider of integrated software, hardware and consulting services and a Thales partner in Turkey.

The solution is based on the Framework comprising web-based interactive software and uses a secure PINPAD/POS terminal for branch PIN entry.

Garanti Bank PayPass Watch

VERISOFT supplied the PowerWATCH PayPass Personalisation System and LAKS payment watches to Turkish bank "GARANTI BANK" which has implemented the first wrist watch with contactless PayPass chip in the EU region.GarantiBank Trink Paypass Contactless Payment Watch

The Verisoft PowerWATCH system can personalise all kinds of non-standard form factor contactless payment devices such as mobile phones, watches, stickers and keyfobs.

As well as PayPass, PowerWATCH also supports Visa-WAVE, Visa qVSDC and Mifare based cards and devices.

GARANTI bank is the leading bank in europe which has implemented "BONUS TRINK" branded contactless products with Mastercard PayPass technology as the first bank in Europe LAKS is the patented producer of the PayPass Transaction Watch which was awarded with OsCards during CARTES'2006 with this product.

For details of the Contactless Payment Watch in the UK and Ireland visit

Visa Public Key Field Test Kit

Verisoft supplied VISA EU and VISA CEMEA 500 test kits for EMV public key field testing of POS and ATMs.

TAF ID Cards

Verisoft have won the contract to supply Turkish General Staff for the project of developing the card side applications (ALU) and smartcard life cycle management system for their multi-application ID cards based on Multos technology.

Verisoft supplied the Thales P3 Server,P3CM200 crypto modules and personalisation DLLs for DC9000 first and on the second phase developed a comprehensive web based .NET technology smartcard management system to load, update and delete applications on the cards and trace the state of card from initial central issuance to all subsequent updates which can be done with PULL and PUSH methods.

Content updates are made with EMV scripting since Verisoft developed the ID and HEALTH applications compatible with EMV specifications just as the MCHIP4 pre-authorised payment application on the card.

Verisoft will be changing the current PKI application in 2007 to cover all applications within uniform technology with common industry standards. These cards also contains contacless interface and biometric fingerprint data. TCP/IP networking with SSL and HTTPS protocols used for secure networking along with Oracle database. Card side ALUs are developed in C and ALC are supplied from in house iKMA of the TAF utilizing the most secure smartcard technology in the world:MULTOS.

Smart national ID cards, driver licenses, army ID cards, corporate ID cards, social security cards, health cards will be strong growth areas in the coming years due to increased security concerns and e-government projects. Verisoft have end to end technology and software for these systems.

Total Oil Turkey: Loyalty & e-Purse

Verisoft won the tender to supply turnkey Rewardo loyalty system customised for petrol retailing for one of the largest chains in Turkey, ELF TOTAL.

Under this contract Verisoft will supply 500 IP EFT/POS terminals and contactless Mifare readers to run a customer loyalty system with 750,000 contactless loyalty and fleet cards.