We deliver a variety of payment solutions designed meet the needs of retailers, business houses and financial institutions. We make it easy for merchants to accept credit, debit and smart card payments, and to enjoy the many benefits of new technologies like contactless, wireless and electronic signature/biometric capture. Our suite of payment solutions are built with a commitment to reliability, security and ease of use and targeted towards retail, banking and government segments.

Retail Payment Solutions

Retail Solutions are our greatest area of expertise. We work closely with retailers to develop the fastest and most secure systems. In this day and age, our solutions extend well beyond payments. Our solutions continue to lead the market in quality, dependability and reliability, and have advanced functionality that extends into all forms of payment, customer service applications, credit and contract processes.

Prepaid Debit Cards
Otherwise known as Open Loop Cards, our solution provides a valuable customer acquisition channel for Prepaid Debit Card issuers and a growth category for retailers promoting the product. In addition to offering solutions to the retailers, we provide a service for loading funds on to a Prepaid Debit Card. Consumers will return again and again to load their cards and spend most of these funds in-store.

Stored Value and Loyalty
Our Stored Value and Loyalty (SVL) platform is a fully flexible card platform used for the delivery of closed loop stored value card solutions such as retail and hospitality Gift Cards, Promotion Cards, Customer Savings Cards and Customer Compensation Cards. The system supports contact (magnetic stripe, barcode, chip) and contactless cards through a variety of flexible delivery solutions including EPOS/ECR, standalone terminal or even via a Web site. The system incorporates many powerful features such as a real-time reporting tool, multiple accounts per card and online account access for cardholders.

A further feature of the SVL platform is the ability to manage sophisticated loyalty programs that track shopping behaviors, and through data analytics and promotional tools enables retailers to influence the spending pattern of customers. The promotional programs, rewards and incentives are entirely customizable by the end user and designed to ensure ongoing loyalty and retention of valuable customers.

Gift Cards and Stored Value Cards
One of the fastest growing categories in retail today with consumers quickly establishing the benefits of buying a Gift Card for a loved one or a prepaid Stored Value Card to access their favorite services – without the need for a credit or debit card. We provide a range of solutions for retailers, consumer brands and product providers to issue their own product and distribute this in their own stores or through third-party retail distribution.

Banking and Government Payments Solutions

GISIL provides a technologically advanced electronic infrastructure backbone for providing government services, banking services and other utility services to semi-urban and rural Indian retail segment, using biometrically secured multiple benefit cards and also reforming governance and delivery systems in the process.

GISIL’s technology platform for Government Disbursements provides for an integrated approach for addressing requirements for all government disbursements for such beneficiaries and allows for a single point of service for provisioning of these services to bank’s customers and government payment beneficiaries.

Central to the implementation of the platform is an electronically operated banking system infrastructure, which provides a large number of banking Points of Service (PoS), to provide disbursement services to beneficiaries, in a secured manner, generally within a few kilometers of their residence.

The centralized electronic infrastructure enables centralized monitoring and provision of all the required information and data to the respective stakeholders such as Banks and other government departments.

Each location where the Point of Service is located is serviced by a Business Correspondent or Bank agent who is provided with an Indepay terminal for carrying out the transactions. Once the points of service infrastructure are setup, the beneficiary can visit these locations to carry out all the transactions. In addition to Government Disbursements, citizens can also avail of various services at the Point of Service and pay for these services using either cash, bank linked card or credit/debit card