Our Solutions
End-to-End Card and Payment Solutions for Complex Markets
We design, launch, and manage secure card and payment programs across banking, fintech, government, and SME sectors. Whether you’re delivering salary disbursements, welfare payments, or multi-currency solutions, Oxygen provides the infrastructure, compliance, and expertise to support complex transactional needs.
How Oxygen Can Help Your Brand
Banks
- Launching prepaid, FX, remittance and salary disbursement card programs
- SME banking platforms
- Cross-border payment optimisation
- Gen AI onboarding solutions and product sales completion
Fintech Companies
- Issuance and processing of virtual/physical cards
- Plug-and-play APIs for rapid product deployment
- Partnering for FX and multicurrency capabilities
Government Entities & Public Sector Programs
- Disbursement of welfare, benefits, and salaries via prepaid cards
- Restricted spending control (e.g., no alcohol, gambling)
- Financial inclusion tools (e.g., cards for unbanked populations)
- Multi-channel remittance solutions
SMEs
- Corporate expense and petty cash management cards
- Control and monitor staff spending
- SME-facing banking platforms (Enable)
- Reconciliation, reporting, and cost optimisation tools
- Quick real-time payout solutions
Oxygen’s Solutions In Action
Program design
Designing your card program involves defining its structure, features, target audience, benefits, T&Cs, choosing a card network, and creating card branding.
Issuance and account management
Issuance covers creating and distributing your custom card program, enabling payments or point-earning, with BIN sponsorship and customer account management handled by the program manager.
Risk management and fraud prevention
A strong risk management strategy includes transaction monitoring, 3D Secure, and fraud detection tools to protect your program and customers from fraud, identity theft, and data breaches.
Compliance and regulation
Card programs must comply with regulations like PCI DSS, AML, and KYC to protect cardholders and uphold payment network integrity.
Marketing and customer acquisition
Successful card programs drive customer acquisition using rich data insights to segment audiences and tailor marketing strategies.
Corporate onboarding/issuing solutions
The Oxygen Corporate portal will allow businesses to onboard employees, open bank accounts, but also issue prepaid cards to their staff and customers, all in a self-service portal.
Card Program Management Made Simple
Prepaid card programs are being adopted across industries to enable secure payments, reward loyalty, and unlock new revenue. But for many organisations, managing the infrastructure, partnerships, and compliance is a major hurdle.
That’s where card program management comes in. Acting alongside the issuer and processor, a dedicated program manager handles the complexity, strategy, operations, and compliance. This allows you to focus on delivering a scalable, customer-ready solution. Depending on your setup, some responsibilities may still sit with you, but the heavy lifting is taken care of.
Here’s How Card Program Management Works
Running card programs is resource-intensive and complex. A program manager handles strategy, operations, and compliance, allowing clients to deliver flexible, scalable payment solutions without the overhead.
Advise on the Best Setup
A program manager helps tailor your card setup, usage, limits, and security, based on your business and customer needs.
Maintain Relationships with Card Manufacturers
Program managers coordinate with card manufacturers to ensure timely production, personalisation, and delivery of your physical cards.
Maintain Relationships with Card Schemes
Your program manager maintains and optimises relationships with card schemes, handling interchange, acceptance rates, and scheme compliance.
Manage and Operate Card Programs
Program management covers daily operations, including compliance, payment processing, fraud prevention, and dispute resolution.