Transaction processing and authorising

We process and authorise all types of VISA, Mastercard, BLIK, Apple Pay and Google Pay transactions.

  • Dedicated infrastructure based on high access architecture using two independent computing centres
  • Cyclical security and compliance audits
  • Ongoing adaptation of systems and processes to the requirements of payment organisations
  • Processes implemented from the acquirer and issuer sides
  • Own payment gateway with Visa and Mastercard
  • Direct integration with PSP
  • Direct integration with Google and Apple
transaction processing and authorising
  • Wide range of services

    Wide range of services

    The variety of modern payment instruments makes it possible to adapt the offer to the individual requirements of each client.

  • One of the largest processors of payment transactions

    One of the largest processors of payment transactions

    The ITCARD team consists of advanced specialists, who combine experience in banking and information technology.

  • Process security

    Process security

    Servers dedicated to VISA and Mastercard payment organisations ensure continuity of transaction processing.

  • PCI DSS certificate

    PCI DSS certificate

    The best procedures prevent data security breaches, detect attempts to breach and ensure responses.

  • Compliance with Visa and Mastercard requirements

    Compliance with Visa and Mastercard requirements

    We meet all requirements in the area of transaction processing, clearance and claims handling.

Comprehensive handling of payment transactions

Based on the approvals of the payment organisations Third-Party Services – PIN PCI, 3D Secure Service Provider ACS, we provide outsourcing services for a wide range of processing and handling payments.

  • Internet transactions
  • Contact and contactless transactions
  • Payment gateways
  • 3D Secure transactions
  • ATMs
  • DCC transactions
  • POS payment terminals
  • Mobile applications
comprehensive handling of payment transactions

Guaranteed security of transactions

We ensure constant monitoring of transactions by processing data in secure IT systems using procedures that comply with the PCI DSS standard and the requirements of VISA and Mastercard.


  • 3D Secure

    Securing online payments through the use of additional authentication methods.

  • Certificates & Licences

    Certificates of conformity and licences to download.

  • Contact Centre

    Modern multi-channel communication platform based on reliable ICT infrastructure.

  • KYC + AML

    We carry out anti-money laundering and counter-terrorist financing procedures.

  • Monitoring transakcji

    Prowadzimy stały monitoring transakcji w celu oszacowania ryzyka oszustwa.

  • Payment methods

    We support the most popular and modern payment methods, both online and at POS terminals or ATMs.

  • bezpieczeństwo


    Best practices and the highest standards of security of devices, information systems and procedures.

  • Settlements

    We offer complete E2E solutions, full support of back office and settlement processes and full clearance of transactions on ATM and REC self-service machines and POS payment terminals.

  • Transaction and fraud monitoring

    We conduct ongoing monitoring of transactions in order to assess the risk of fraud.

  • Transaction processing and authorising

    Comprehensive handling of payment transactions adapted to the needs of the bank and its clients.