Luxoft’s CAMS II —
Comprehensive Card Management

CAMS II supports multi-tenant, real-time processing for low and high-volume issuers and processors worldwide.


How good are you at managing change?


In an increasingly cashless society, global card issuers and processors must manage a variety of payment instruments, including both physical and virtual cards, to reach target audiences. Card issuers face constant pressure from evolving markets, changing regulations, strict scheme compliance requirements and rising volumes, as more and more transactions move to card-based electronic payments.

Card issuers and processors face challenges in privacy, tool rigidity, and to many manual processes. Luxoft offers a better way.

Typical issues facing card issuers include:

  • Multiple, siloed, card processing platforms and high operating costs
  • Inability to address new market requirements due to gaps in functionality
  • Poor and costly response to regulatory compliance
  • Rigid product pricing and bundling processes
  • No multi-tenant processing capability
  • No 360-degree view of customer relationships and products
  • Inflexible legacy applications and channels hampering improvements to customer experience
  • Difficult to integrate external fintech solutions
  • Manual processes for standard customer interactions
  • Long cycle time to launch new products
  • Data security and privacy issues

The CAMS II Solution 


CAMS II enables companies to deploy a digital card-processing platform rapidly with fewer resources. It’s built on a proven, hyper-efficient, core, card-processing engine that processes over 500 million card accounts a day through a modern cloud solution.

CAMS II creates an intuitive and seamless way to integrate, interact with and manage card-related business processes. It frees crucial client resources to focus on business-critical strategic analysis and drive positive business and customer outcomes.


How we help you and your clients

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Puts business in control
  • Product configuration without IT intervention.
  • 30+ preconfigured credit, debit and prepaid card products.
  • Account-based, multi-product model for virtually unlimited product design.
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24x7 business availability
  • Always-on, real-time availability of all business operations. 
  • Robust data store drives data-based decisioning. 
  • Continuous post facility for real-time transaction processing. 
  • Improved risk management using up-to-the-second data.
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Multiple deployment options
  • Cost-efficient platforms include z/OS, Linux on Z, x86 Linux and cloud. 
  • Elastic scalability.
  • Efficient consumption of available processing power.
  • APIs.
  • Web services.
  • Many proven integrations for GL, fraud, etc.
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Many options
  • Mastercard
  • Visa
  • American Express
  • Corporate Cards
  • Virtual Cards
  • Wallets
  • Loyalty
  • BNPL
  • Revolving Credit


Why Luxoft CAMS II 

Luxoft by the Numbers

30+ years

of global deployment expertise—Luxoft trained and certified


environments and 500 million+ cards processed through low-cost solutions


clients and over 475 banks in production worldwide.

Our Vision for Card Management


CAMS II is a proven solution used card issuers who want to control their own destiny instead of investing in rewriting legacy bespoke systems or relying on third parties offering SaaS solutions.

Luxoft and our trusted experts in global card processing best practices can transform your card processing business by recalibrating the machine, and tightly focusing on generating new business for your organization. We work with you to create an innovative solution that deploys quickly and cost-effectively.

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Consult one of our global strategists today


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Our Team

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Lending Solutions Lead

Lending Solutions Lead

Bart Bailey, Lending Solutions Lead
Bart Bailey

Lending Solutions Lead