Card Payments

Helping to customize and manage complex payment transformations for critical card systems


Card payments are becoming an increasingly important part of a financial institution’s business. With structural and regulatory shifts, it is one of the few remaining areas for revenue growth.

Accenture supports critical card systems for some of the largest global card processors in the world. As an industry leader in cards renewal, Accenture Payments is a strong delivery partner that can customize and manage a migration from legacy platform to third-party processor, as well as design and deliver custom and package systems. We have proven experience with complex projects, including a successful migration of 6.1 million cards for a large UK bank—the largest card migration in Europe.

With more than 20 years of experience in application outsourcing, Accenture is well known as a reliable business partner and trusted collaborator.


Card operations are undergoing rapid changes: Increasing regulation, industry consolidation and emerging technology are only a few of the challenges that banks must deal with. The growth in digital commerce, online and mobile, is driving wholesale renewal in merchant acquiring technology and operating models. Meanwhile, issuers are faced with changing consumer behaviors, new competitors and challenging economics.

In approaching card renewal, Accenture believes that four areas are of particular importance:

  1. Card testing and migration

  2. Card application outsourcing

  3. Card issuing and acquiring re-platforming

  4. Card issuing and acquiring strategy, operating models and IT architectures

The cards technology market is not as well served as that for enterprise payments technology, and financial institutions face challenging decisions on software selection, custom system building, technology acquisition or migration to third-party processors. However, those that successfully transform their card payment technology and operations are best positioned to achieve a sustainable competitive advantage.