Payments and cards

Proven solutions for banks and corporates alike 
Eleven billion electronic payment transactions every year, with  250-plus banks in 50 countries. You can count on our expertise to harness the full potential of the new world of payments, today and into the future.

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All payment types


Physical & digital

Payment instruments



Flexible value chain


Flexible deployment  

Cloud, hybrid, on-premise

   Regulatory compliance


Simplified connectivity

With industry standards

Driving performance in payments

All flexibility, connectivity and scalability you need to thrive in an increasingly competitive and fast-moving payments market.

  • One-stop shop
    A comprehensive and modular range of solutions to fit your needs across the entire payments and cards value chain.
  • Innovative services
    Benefit from real-time and open banking capabilities to create a better, faster and more seamless customer experience in digital payments.
  • Solutions you can bank on
    You can count on our long-standing sector-proven solutions to handle your transactions, ensuring high availability, scalability and security.
  • Shorter time-to-market
    Respond to your customers’ ever-evolving expectations with greater agility in offer design. Improve your speed to market for new products and services.
  • Flexibility and lower costs
    Overall cost savings of 35% and unit transaction cost savings of 55%. This is how much our customer Transactis saved in the five years following the set up of their payments factory.
  • Approach that suits you best
    Roll out only the components or package you need and choose the implementation method that fits you best, from software licensing to business process outsourcing.
sopra expertise

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Payments for banks 

Full range of functionality to support SCT, SCTInst, SDD core, SDD B2B, international transfers, high value transfers processing, with flexible value chain coverage. From PSD2 to Interbank exchange – for a complete payment value chain. 

Payments for corporates 

Financial Flow Management brings together everything related to payments in one place. The comprehensive payables and receivables management solution optimizes the business-to-bank relationship and concentrates all the functions for the benefit of business applications.  


The entire card payment value chain on ATM, Merchant and Card issuing domains. From managing payment cards and Digital Wallet to merchant and cardholder transactions settlement. Provides all the capacities required for the new cardholder journey with interactive and real-time card services.