Processing of Transactions

The Service considers processing of the card operations of the Banks, Micro Financing Organizations, Loyalty Service Providers and other financial institutions connected to the Georgian Card Network;

Providing/reporting of the Clearing Information to the member financial institutions

Monitoring and processing of the disputed (fraudulent and appealed operations) and corrective operations of the member Banks, with consideration of the latest requirements of the International Payment Systems.

Personalization of the Cards

Georgian Card provides personalization of both the bank, and nonbank (discount, club, savings, identification and etc.) cards. The Client defines the design of the nonbank cards and their embossing is done according to the Client’s desire.

The modern equipment of the Georgian Card enables to affix on the cards comlpete design, unlimited in colors, and any type of embossing, that meet the international standards.

3D Card Operations

The Georgian Card has implemented the 3D Security Service, inclusion to which is possible for the financial institutions united in the processing systems and certified in the payment systems.

3D Security Service represents an additional security layer required for the processing of the electronic trade (online) transactions by means of the debit and credit cards.


Support of the VBV (Verified by Visa), MasterCard Secure Code and AMEX Safe Key;


Protection of the cardholder from unauthorized and fraudulent operations.

Card Tokenization

The Georgian Card has implement the card emulation (tokenization) service both for the Visa and MasterCard types of the cards.
The tokenization process involves replacement of the sensitive information/card data with the digital equivalent, which has no sensitive value when used isolated.


Minimization of the existing sensitive information and its protection by means of its replacement with the token;

Tokenization simplifies the compliance of the merchants with the PCI standards, due to the fact that they are not required to store, protect the sensitive/card information and arrange respective environment according to the standards.

Contactless Stickers

Small size contactless cards with the sticky back side that can be attached to various items. For extra comfort, they are mostly attached to the mobile phones. The Service is usable as at the POS terminals of the trade objects, so for the payment of the Metro, bus, minibus and cableway fares. Using the Stickers, the Clients may withdraw cash from the ATM.

Discount card System

In order to provide the service of the discount cards within the processing system, JSC Georgian Card has created the software that enables to accomplish a variety of actions. The purpose of the Loyalty Management System is to produce the discount cards for any segments of the market, providing the customers with the pre-defined discounts in various trade institutions.
Description of the Service
According to the Client’s request, JSC Georgian Card produces the plastic cards, which are then distributed to the cardholders. The customers can use the said cards within any of the objects that meet the following conditions:
  • They have negotiated the usage of these discount cards with the Client,
  • Respective discount rates are defined and recorded in the system/software.
Discounts are processed by means of the POS terminals. Upon the card handling, the device sends information to the system/software, which returns the discounted amount. After receiving information form the system, the existing intermediary application directs the data to the LMS software, which in turn processes the required calculations and returns the answer through the same intermediary. The software is equipped with many features. It enables the administration of the customers, ordering of the cards, preview/review of the discount operations, discharge of the discounts and etc.
LMS Software Support of the discount Regimes
Within the merchant (retailer or service provider) section, the discounts can be registered with the different parameters:
  • At the particular terminal/At all the terminals
  • Defined by indication of the dates Start/End
  • By hours
  • By weekdays
  • By amount
Description of the Product
  • The Payment card with ISO 8583 standard magstripe and technical features of the Card;
  • Client verification regimes of the Card (e.g. PIN request) are disabled;
  • The Cards are produced in advance, in the no-name regime and delivered to the Company as a set;
  • The Cards are produced according to the design desired by the Client and the company’s logo is placed on the cards;
  • The Cards are personalized by means of the unique 9-digit BIN codes for non-financial card products, assigned to the Company within the framework of the “Georgian card” system;
  • Terms of the Card Personalization are negotiable, determined by the preliminary agreement with the Company, and it’s possible to terminate the said terms prior to its expiry.

Recurrent Payments

Recurrent, or automatically repeated payments represent the types of operations when the cardholders allow their online trade representatives to deduct automatically (with pre-defined periodicity) from the cardholder’s account the amount corresponding to the price of the chosen product. This Service, first of all, promotes the saving of the time and amount of the cardholder.

Technical Support

The purpose of the Support Group of the Operations Department is to provide the Client Companies with the 24/7 mode access to the information concerning the services and the products, as well as the monitoring of the smooth performance of the payments and functionality of the services, and in case of incident, resolution of the problem and providing the notification of other Departments/Services of the Company, if needed.

Network Management and Monitoring

Installation involves the input of the required software into the device, providing the full and functional work of both the POS terminal and the ATM. Full Network Management and Monitoring involves: 24/7-mode monitoring of the POS terminal and ATM; recording of any technical malfunctions on hotline; 24/7-mode telephone consultation; remote problem solution; Repairs and replacement of the existing equipment by the technical group within the shortest possible time (12 hours within Tbilisi, 24 hours – within the regions);