DCMS Documentation
Cloud-native, API-first Debit Card Management System — powering card programs from issuance to settlement.
A cloud-native, API-first Debit Card Management System that enables banks and fintechs to launch, manage, and scale debit card programs — from card issuance to transaction processing, fraud management, and customer lifecycle.
100M+ cards managed across 100+ financial institutions
Launch a complete debit card program in 8–12 weeks with 100+ REST APIs, multi-tenant architecture, and full card lifecycle coverage.
Explore the Documentation
About Debit Cards
Industry fundamentals, the $67T global market, regional dynamics across India, GCC, Africa, and more.
Platform Overview
What DCMS is, how it works, the ecosystem of products, unique capabilities, and architecture.
Capabilities
Full feature catalog — admin portal, card lifecycle, transactions, tokenization, NCMC, security, and reporting.
Getting Started
Step-by-step implementation guide covering BIN procurement through go-live with real-world scenarios.
API Guide
API architecture, JWT authentication, encryption, webhooks, SDKs, rate limits, and integration best practices.
API Reference
Complete API specifications — request/response schemas, parameter types, constraints, and code examples.
Error Reference
Error codes by service, transaction decline codes, status codes, and error handling best practices.
Platform Highlights
| Dimension | Detail |
|---|---|
| Architecture | Cloud-native microservices, API-first |
| Cards Managed | 100M+ active cards across |
| API Coverage | 100+ REST APIs across the full card lifecycle |
| Time to Live | 8–12 weeks post BIN procurement |
| Card Networks | Visa, Mastercard, RuPay, Maal, Himyan, Jaywan |
| Markets | India, GCC (Middle East) |
| Deployment | SaaS, on-prem, Kubernetes-orchestrated |
Quick Links
Register Customer API
Create customers with KYC, account linkage, and instant card issuance.
Card Lifecycle APIs
Activate, block, unblock, replace, and manage card status.
Transaction Processing
Process authorizations, reversals, and ISO 8583 transactions.
Webhooks & Events
Real-time event notifications for transactions, card status, and fraud alerts.