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Gift and Prepaid cards


Gift and prepaid cards for the retail is a big opportunity to fix its customer, to make to come again and to invite friends.

Depends to the store’s license we can provide a white label gift cards or MasterCard/ VISA co-branded products jointly with a bank or using your own payment system license.

The cards, processed by our group could be crossed with other issuing and acquiring products: loyalty schemes and POS/ ATM/ SST/ e-commerce acceptance.


The easiest and cheapest way to start giving a gift card to your customer is to create your own card design and print the card physically or virtually, accompanied with a POS or e-commerce acceptance terminal. You can start doing it in a couple of days without any licenses or investments. This card will be accepted by yourself in your own stores and processed using our processing facilities.

Your customer will get a modern product with a web-based access to it account/ card profile with a transactions history and other functions.


The best product that you can offer to your customer is a MasterCard/ VISA o other payment system based card, which can be accepted not in your store only, but in the whole payment system network around the world.

To start doing this card you must have your own payment system license or the bank/ company partner, which provides you the payment system license for the gift card issuing with you own design. This card will be the banking one and will be issued under the Co-brand issuing program.


Like a gift card the prepaid card can be issued under the white label brand or using the payment system products. It can be disposable one without additional charging and identification procedures, or re-chargeable, depending on the AML requirements of your country.

In the case of the white label card you don’t need any license and it’ll be accepted in your own network only. With a payment system brand it’ll be worldwide acceptable. The second one can require the special license from the financial regulator in your country.


The gift card is not a banking card, can be presented to the customer in the store directly without a bank participance. The easiest scheme can be presented was below.


  1. The buyer purchases a gift card in a store.
  2. The seller behind the counter takes a previously issued gift card, finds it in the SM 3000 PAYMENTS system through the web-access interface, enters data about a new customer, forming his profile, and sets a limit according to the amount of the gift. In the case of the loyalty product, he adds a loyalty scheme to this card.
  3. When the customer presents the gift card to pay, the seller accepts the previously issued card for payment to the buyer, and reads it in the POS-terminal installed on the counter and connected to the SM 3000 system (in the case of use of e-commerce mode all of the steps are automatized). At the time of purchase, the buyer can receive bonuses in the amount or points and according to the loyalty scheme/ algorithm previously established by the store.
  4. Processing authorizes the request for the card and the POS terminal (e-commerce internet-store).
  5. Processing clear with payment acceptance networks if the card in a co-branded one.
  6. The buyer views the history of purchases via the Internet on his mobile phone or on a computer via the web interface, manages the accumulation of bonuses and also blocks his card in the case of loss or stolen.


The buyer is given the opportunity to register in the system to have direct access to data on completed transactions, the ability to manage the bonus program or to block the card.
The interface for the buyer is presented in a convenient form for a mobile phone or for a computer through a browser, which saves space on a mobile phone and minimizes the risk of data theft by intruders. If there is a second card, for example a credit card, it and operations on it will automatically be included in the menu of the client’s existing personal account.


To work with gift cards, the store is provided with a convenient and easy-to-use interface via a mobile phone or computer.
A store can delegate access rights to menus and functions to its employees, depending on its internal work policy.
Access to the system in real time allows you to create new customers and edit data on them, new branches, cash desks and card acceptance terminals, set credit limits, view information on sales and perform other actions in the system as needed.
To work in the SM 3000 system, we have developed Instructions for users explaining each step of performing the required operation with a visual image of the interface and a dictionary of terms and definitions.


The POS terminal installed by the seller in the store allows the following actions with magnetic and chip cards, as well as with cards and NFC devices:

  • sale,
  • balance view,
  • replenishment of the card (change of the card limit),
  • cancellation of the sale,
  • return,
  • reports and closing of the day.

The terminal monitor displays the logo and store data. For the further information on the available POS-terminals, please, go here.


As part of the Gift program, additional tools such as bonuses can be activated for the store. A buyer’s card can be added to an existing online store as an additional payment tool. At the same time, for a store that does not yet have online sales, its own online store can be developed with the acceptance of the card.


Many stores are looking to optimize costs by implementing telephone sales. Such a sales function is transferred to a call center, in-house or by contract.
We have developed a special SM3000 PAYMENTS system for remote sales in the international MO / TO format with a special interface for operators.
The telephone sale process minimizes the operator’s actions and eliminates the work with cards, concentrating on establishing a new customer and registering a sale with automatic binding of a pre-issued active card number, on the basis of which a customer profile is created, which can be issued in physical form later, already with a first and last name. and transferred to the buyer.
The remote sale process is accompanied by the authentication of the sale by the method of simplified customer identification, carried out by sending a one-time code in an SMS message to the buyer’s mobile phone, which he notifies to the call center operator, for further entering into the system and confirming the sale. In the same message, the Buyer is sent his loyal customer card number and a link to enter his personal account.
During the conversation between the operator and the customer, the operator is presented with tips in the form of the text, which is read out by the operator and signed by the client in the form of a one-time code communicated by him to the operator, received in an SMS message, and service messages read by the operator to the client.


To increase the client’s access to gift card services, the store can be installed a Self-Service Terminal and developed an individual interface script for it.
The purchase system can be integrated with the credit blockchain, accounting, banking and credit checking systems in real time.