Retail Credit Card v2.0
End-to-end retail credit card platform — individual customer onboarding, card issuance, spend controls, billing, disputes, and repayments powered by M2P Credit Stack v2.0.
M2P's Retail Credit Card v2.0 platform enables banks and fintechs to issue and manage credit cards for individual customers. Built on the M2P Credit Stack, it covers the full lifecycle — from customer registration and card issuance to credit limit management, spend controls, statement generation, dispute handling, and direct repayments.
Platform Capabilities
Customer Management
Register individual customers with full KYC, address, bank, and nominee details. Fetch customer profiles, account lists, and update entity information.
Card Issuance
Issue primary and floater credit cards (physical or virtual). Manage card inventory via kit allocation and network selection.
Credit Limit Management
Set, fetch, and upgrade credit limits and cash limits per entity. Supports shared, individual, and pool limit configuration types.
Spending Preferences
Configure channel-level spending controls — ATM, POS, e-commerce, contactless, international, and DCC — per entity or card. Enforce spend policies in real time.
Card Controls
Request physical cards, block or unblock cards, set PINs, replace lost or damaged cards, and retrieve the full card list for a customer.
Transactions, Statements & Disputes
Fetch paginated transaction history, retrieve detailed statements and due amounts, process direct repayments, and create disputes with optional shadow credit.