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PayoCard: Smarter Digital Card Management

Built with financial inclusion in mind, PayoCard gives programme management clients in South Africa a simple way to offer digital card control.

It extends physical card programmes with a mobile app that’s quick to launch and easy to use, helping issuers reach more people.

Smart Support for Issuers

Running a card programme often means juggling physical logistics, support requests and users who need more control. PayoCard helps simplify it all.

The mobile app connects existing cards to a digital platform without adding complexity or development delays. It reduces operational pressure, improves the user experience and helps deliver more with less effort.

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No Complexity.
Just Control.

PayoCard was built to ease the real challenges faced by programme managers. Whether you're looking to digitise quickly, support users better, or grow with confidence, here’s what you can expect:

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Quick to launch: PayoCard is ready to deploy, with no custom build required. It enables faster deployment without the usual technical overhead.

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Less manual effort: Users manage their own cards, from balance checks to PIN resets, reducing demand on support teams.

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Security built in: PCI compliant from day one, with fraud controls and data protection included.

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Broader reach: Designed for financial inclusion, PayoCard supports users who may not have access to traditional banking.

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Flexibility to grow: When it’s time to expand, our Modular Digital Card Engine provides the tools to build tailored experiences using SDKs and APIs.

Each benefit is designed to support a simpler, stronger and more scalable card programme without adding complexity to daily operations.
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Financial Inclusion, Delivered Digitally

In many communities, access to traditional banking remains limited but mobile connectivity is widely available.

PayoCard helps bridge that gap. It gives gig workers, informal earners and others outside the banking system a secure, straightforward way to manage money on their phones.

Elevate your expertise with The Paymentology Issuer Academy

Discover Paymentology’s Issuer Academy, a comprehensive resource offering practical insights, expert guidance and actionable knowledge. From onboarding to optimising your card programmes, we support your journey toward payment innovation.

Explore card options

Expand your product portfolio with bespoke solutions:
Prepaid cards
Ideal for travel, gifting, or secure remittances.
Credit cards
Flexible solutions for customers.
Virtual cards
Secure and contactless options.
Hybrid cards
Debit and credit functions in a single card.
Travel cards
Seamless payments across borders.
Expense cards
Streamlined corporate spending.
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Experience our platform first-hand

See Paymentology in action with our self-service demo. Explore the full potential of our platform and discover how it can transform your card-issuing processes.

Try the demo
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Developer portal

Dive into the technical side of Paymentology with our comprehensive developer portal. Access detailed documentation, APIs and tools to ensure straightforward integration for your card programmes.

Start sandboxing

Start with PayoCard

Ready to take your card programme digital? Whether you're just starting out or scaling up, PayoCard gives you a clear path forward.

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