Luxoft’s CAMS II — Comprehensive Card Management

CAMS II supports multi-tenant, real-time payment 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 solutions 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 payment 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 credit card processing solution 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 merchant 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 payment card 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 credit card processing solution that deploys quickly and cost-effectively.

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Let us worry about card-related processes while you focus on your business


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Frequently asked questions

CAMS II is a leading multi-tenant debit/credit card software solution processing over 500 million card accounts a day. Deployable on-premises and in the cloud, CAMS II is designed to streamline card-related operations, ensure 24/7 business availability, and provide agile scalability and stable performance.

CAMS II is built to help both low- and high-volume card issuers overcome common card management-related challenges. Those challenges include rigid product configuration processes, lack of adaptability, slow time to market, siloed data, and data security and privacy compliance.

With CAMS II, card issuers can offer a wide range of payment instruments while being certain the system performance is consistently high. Luxoft fully manages CAMS II and provides extensive support for installation, configuration, testing, integration with other systems, and more.

CAMS II’s main features include:

● A multi-tenant, multi-language, and multi-currency architecture
● A wide range of products supported, including debit, credit, prepaid, smart, and virtual cards
● Extensive no-code configuration capabilities with a pre-built product library and custom product support
● Loyalty program support for point-based systems, monetary-based rewards, and customizable earn/burn rules
● Customer-centric design that delivers excellent omnichannel experiences, enables real-time authorizations, and drives engagement
● Real-time processing environment running around the clock
● Streamlined inventory and reissue management, clearing, settlement, fraud, and statement processing
● Integration with other tools via web services and APIs
● Optimized performance for minimal computing resources consumption
● Deployment possible on z/OS, Linux on Z, x86 Linux, and in the cloud

Integrating CAMS II in card-related operations enables our clients to reap the following seven benefits:

● Speeding up digital strategy deployment without sacrificing the implementation quality
● Freeing up resources that can be dedicated to growth, innovation, and strategic analysis instead of system maintenance and management
● Enhancing the customer experience by offering a wide range of supported payment instruments and intuitive card-related activity management
● Accelerating time-to-market for new products thanks to CAMS II’s no-code product configuration capabilities and an extensive library of pre-built products
● Reducing operating costs by unifying multiple siloed card processing platforms into a single solution
● Improving agility, adaptability, and resilience while Luxoft is ensuring the system’s maximum operational efficiency
● Streamlining regulatory compliance while optimizing associated costs and mitigating non-compliance risks
You need to embed resilience in the bank’s strategy and day-to-day operations. Ensuring it means revisiting and strengthening risk management, stress testing, liquidity management, and capital planning.

A core banking solution helps organizations address all of the above with the help of advanced data aggregation and analytics.

For example, a Temenos health check can aid in identifying and fixing any potential issues that may become a disaster if unaddressed. As a result, banks receive not only a list of issues but also ways to resolve them.

Does it align with your interests? Luxoft is a certified Temenos services partner with an experienced team of senior Temenos experts. Contact us to discuss how a Temenos health check can help you build resilience in your banking operations.