Payments and Cards

Proven solution for 250+ banks in 50 countries  
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

EBA Day, interview with Eric Bierry

Our deputy CEO, Eric Bierry, speaks on the transformation of payments in Europe and how Sopra Banking Software can help banks to face challenges brought by innovation.

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.

Build a digitally driven organization

All payment types, from traditional to innovative

Full range of functionality to support SCT, SCT Inst, SDD core, SDD B2B, international transfers, high value transfers, debit cards, credit cards and prepaid cards, with flexible value chain coverage. From PSD2 to Interbank exchange. From ATM and merchant to card issuing domain.

Real-time payments: The power of now

Send, receive, or request money instantly. Instant Payment with transaction initiation, execution, notification, settlement.

Digital and physical cards

Capitalise on the full potential of cards to enable consumers to use their cards whenever, wherever and however they want. Enable digital cards created within a few seconds, ready to use immediately.

Self-services and advanced settings at your fingertips

Mandate and consent management. Interactive and real-time card services: change limit, change pin, parental control, geo-blocking and more.

We have all the answers you need
Frequently asked questions
    What kind of payment instruments can we manage with payment and card solutions?

    All types of payment instruments can be managed with our payment and card solutions, including prepaid cards, debit cards, credit cards, SCT, SCT Inst, SDD core, SDD B2B, international transfers, and high-value transfers. In addition, we’ve also implemented local payment methods.

    For which schemes does Sopra Banking Software (SBS) provide a native connection?

    Our solutions are compatible with the most significant CSM and ACH schemes. This includes Visa, Mastercard, STET, EBA Clearing, and SCL, thus simplifying connectivity. Our experience in steering end-to-end clearing projects helps banks ensure a timely roll-out and ongoing compliance.

    Are your card solutions PA DSS compliant?

    Yes. Our solutions take into account PCI DSS rules and will be compliant with the forthcoming PCI SSF security requirements.

    What is Sopra Banking Software’s position on EPI?

    As a pioneer in Instant Payments and Request to Pay, SBS leverages 30 years of experience with payments and cards to offer a new generation of solutions — ones capable of meeting EPI’s challenges for the two payment instruments relying on SCT Inst: EPI card and End-to-end SCT Inst.
    For more information about Instant Payments solution from Sopra Banking Software >>
    Become EPI-ready with the Sopra Steria Group