SaaS-Managed Card Platform
Accelerate time-to-market with zero upfront infrastructure investment.
Leverage our proprietary, cloud-native CAKU Core System for comprehensive, one-stop card processing. Designed for financial institutions in Hong Kong and across the globe, our SaaS solution equips you with enterprise-grade card-issuing capabilities—delivering high performance and cost efficiency without the burden of building your own infrastructure.
Say goodbye to heavy self‑built assets and embrace agile card issuing
Traditional card issuing systems require high upfront hardware investment and long development cycles. As the central nervous system of your ecosystem, CAKU not only comes pre‑integrated with global card networks such as Visa, Mastercard, and UPI, but also seamlessly connects to your existing mobile banking app, customer service center, and risk control platform. One platform to uniformly manage credit, debit, prepaid, virtual, and other card products.
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1,200+Ready-to-use APIs
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MillisecondReal-time transaction processing
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100%Cloud‑native microservices architecture
Key Features
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CAKU Engine
A highly elastic card processing system built on cloud-native microservices, supporting horizontal scaling to effortlessly handle tens of millions of peak transactions.
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Seamless Ecosystem Integration
Pre-integrated connectors for major card networks, paired with a unified API gateway to seamlessly connect your mobile banking apps, customer service platforms, risk control systems, and internal applications.
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Enterprise‑Grade Security & Compliance
PCI DSS-certified infrastructure that protects cardholder data through end-to-end encryption and rigorous access controls—fully meeting HKMA and international regulatory requirements.
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Rapid Deployment, Faster Revenue
A ready-to-use SaaS platform. Launch new card programs in weeks, compressing your time-to-market from 12–18 months down to just 1–2 months—accelerating your path to revenue.
One hub, connecting internal and external systems
Pre-built adapters support major networks including Visa, Mastercard, UnionPay International (UPI), and JCB—requiring zero additional development.
Mobile banking applications
Customer relationship management (CRM) centers
Real-time risk and anti-fraud platforms
Accounting and clearing systems
Our 1,200+ APIs cover card issuing, transaction authorization, account management, reconciliation,
tokenization, and more—featuring full support for RESTful and asynchronous event streams.
One platform, multiple card products
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Credit CardRevolving credit, reward points, and flexible installments.
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Debit CardReal-time debiting and direct account linkage.
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Prepaid CardMerchant co-branding, employee expense cards, and gift cards.
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Virtual CardInstant issuance for online spending, subscription management, and digital wallet integration.
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Unsecured LoanFixed or variable interest, lump-sum disbursements, scheduled repayments, and credit score-based terms.
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Corporate CardEmployee spending controls, centralized billing, expense tracking, and travel and business perks.
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Commercial CardExpanded purchasing power, supplier payments, cash flow management, and ERP integration.
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BNPL (Buy Now, Pay Later)Short-term installments, interest-free or low‑interest periods, split payments at checkout, no revolving credit (usually).
Enterprise‑grade security, ready out of the box
- PCI DSS Level 1 certified data center
- End‑to‑end encryption (in transit and at rest)
- Multi‑tenant isolation and fine‑grained access control
- Compliant with Hong Kong Monetary Authority (HKMA) outsourcing and risk management guidelines
- Regular penetration testing