CAKU Open-Platform Card
Processing System
Customer-Centric, Driving
Agile Innovation
Integrate all card products, transactions, limits, and benefits into a single customer profile. This breaks down legacy product silos to enable precision marketing and highly differentiated services.
Dynamically configure product rules, pricing strategies, and credit lines based on the six elements of Who, What, When, Where, Why, and How—enabling a rapid response to evolving market scenarios.
Leverage rich, pre-built process components that can be flexibly orchestrated via open APIs. This modular approach enables the rapid assembly of new business capabilities, significantly reducing your time-to-market (T2M).
Eliminate traditional end-of-day batch processing with a platform that posts transactions in real time. Deliver round-the-clock service to meet the instant demands of the digital economy.
Leverage over 8,000 scenario-based business parameters. Empower your business teams with the autonomy to adjust fees, limits, and risk control rules instantly—without any coding required.
Provide native support for chip cards, magnetic stripe cards, Apple Pay, Google Pay (DPAN), and digital currency wallets. Seamlessly adapt to both online and offline payment scenarios to ensure total coverage.
Scalable, High-Performance, Cloud-Native
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Standard Hardware, No Proprietary Lock-InDeploy on ordinary x86 servers to eliminate dependence on expensive mainframes or dedicated hardware. This significantly lowers your Total Cost of Ownership (TCO) while improving resource utilization.
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Cloud-Native & Unitized DeploymentLeverage containerization and a unitized isolation design to enable active-active deployment across same-city or remote sites. Deliver top-tier availability with an RPO of 0 (zero data loss) and an RTO of ≤ 30 seconds, fully supported by dynamic scaling.
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Horizontal Scaling for Billions of AccountsCombine stateless services with distributed data sharding to allow for seamless horizontal expansion. Simply add nodes to effortlessly handle billion-scale account volumes and sudden transaction spikes.
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Outstanding PerformanceEven in a minimal test environment with just 3 servers (2 APP + 1 DB), transactions per second (TPS) consistently exceed 4,000 with a 100% success rate—easily meeting the rigorous throughput requirements of core card processing.
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Open ConnectivityUtilize standard ISO 8583 messaging for seamless integration with acquirers and major card schemes (Visa, Mastercard, UnionPay, JCB). The platform also provides JSON-formatted RESTful APIs for efficient integration with core banking, risk management systems (RMS), hardware security modules (HSM), and other peripheral systems.
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Defense-in-Depth Security ArchitectureOperate on a zero-trust architecture that intrinsically verifies all internal and external access. By combining static data encryption, transmission encryption (TLS), and automated vulnerability scanning, the platform establishes a rigorous, end-to-end security chain.
Full‑Stack Certified,
Globally Trusted
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Industry-Standard Security CertificationsAchieve full compliance with PCI-DSS, ISO 27001, and GDPR. This guarantees robust data privacy and strict adherence to global security standards.
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Global Card Scheme CompatibilityNatively supports major card scheme rules and messaging standards—including Visa, Mastercard, UnionPay, and JCB—enabling rapid access to global payment networks without requiring custom re-engineering.
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Zero-Trust Security ArchitectureBuilt on the strict principle of least privilege. All access requires dynamic authentication and authorization, effectively neutralizing both internal threats and external intrusions.
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Full-Lifecycle Data ProtectionDeploy end-to-end encryption and strict access controls across data generation, storage, transmission, and destruction. Combined with real-time security auditing, this establishes a transparent, fully traceable compliance framework.
CAKU
We empower your payment business for global growth.