Card Management

The world of card management is constantly evolving and it can open up to new innovative payment services with the aim of establishing a digital-first approach, thanks to solutions which can manage all the global needs of issuing, acquiring, authorization and processing, simplifying their complexity.


State-of-the-art technology developed in-house
Excellency know-how in the e-money sector at the service of innovative solutions, entirely developed in-house on JTMS-J TRANSACTION MONITOR SYSTEM®.

Constantly updated solutions with new features based on the N&TS GROUP roadmap and customer needs.

Ease of integration 
Flexibility through microservices and agile integration via open APIs.

Scalability and modularity
Scalability and modularity to meet the needs of customers of different sizes and industries, ensuring Savings thanks to economies of scale and operational efficiency.

Time to market
Expertise gained through multiple clients in multiple countries, combined with product logic, enables solutions with very short time to market.

Fraud and chargeback reduction
Monitor every payment to detect and prevent fraud through AI and machine learning even before it affects your business.

Constant updates
Continuous updates to the assurance of compliance with all e-money sector mandates on a global level.

Security and certifications
Compliance with international ISO standards and reference certifications ensures efficient processes and utmost care in data management and security.

Functionalities overview

ACFS-AUTHORIZATION CENTER FOR FINANCIAL SYSTEMS®: a payment platform which can manage the entire life cycle of digital payments.

N&TS GROUP’s Card Management solution delivers advanced features and flexible scalability to operate quickly in an ever-changing scenario.

Card Issuing

ACFS® Card Issuing  is the N&TS GROUP  solution which makes it possible to carry out all activities concerning the issuance of international and private payment cards, in an easy way, thanks also to the possibility of directly interfacing through APIs. Offering the standard functionalities of card creation and production, type configuration, brand customization and advanced tokenization functionality of virtual cards for mobile payment and loyalty program management.

ACS 3DS Server

ACFS® ACS is the complete 3D Secure authentication solution for issuers and payment processors, certified by PCI DSS,, Verified By Visa, MasterCard Identity Check, American Express SafeKey, JCB J-Secure. Offering all the features required by market standards and, through an add-on, the ability to integrate with the ACFS® RBA and Trusted Beneficiary N&TS GROUP solution for a frictionless payment experience with the same amount of security.

Fraud Prevention & RBA

ACFS® Fraud Prevention & RBA enable banks, acquirers, and processors to transform fraud prevention into a competitive differentiator with a secure and seamless solution which exceeds customer expectations and meets growing regulatory demands.


ACFS® is the acquiring gateway with multi-currency, multi-product, multi-scheme and multi-country functionality in one singular solution. Offering the possibility to enable Italian, European and cross border acquirers.


ACFS® Authorization allows for the management of card authorization through a series of customizable paramaters that enable the approval or refusal  of transactions in a secure and punctual manner.

Merchant backoffice and onboarding

ACFS® Backoffice makes the onboarding of merchants and terminals available, including the RAC provisioning for Pagobancomat, requests for agreements to acquirers, and KYC functionality.


ACFS® Switching is the solution which interfaces directly with international card schemes, sending them the transactions  from acquirers.

Clearing & Settlement

ACFS® Clearing & Settlement allows the exchange of financial details between the acquirer and issuer to facilitate the registration of a card holder’s account and the reconciliation of a client’s position.

All the benefits of a flexible deployment model

Security and certifications

There is no innovation without security. N&TS GROUP has chosen to guarantee it at 360 degrees.

Data protection for clients and their users is at the heart of N&TS GROUP’s research and development systems. With this in mind, the certifications obtained in various fields are the most important guarantee of reliability, safety and compliance with global standards. This constant commitment has allowed N&TS GROUP to become protagonists in the digital revolution and to emerge in the markets of reference.

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If you’d like more information, don’t hesitate to contact us. It will be our pleasure to offer you the best solution tailored to your needs.