CARDS Digital
White-label digital card infrastructure for communities, merchants, schools, and cooperatives.
Trusted by & integrated with
Membership as a Service
One digital card platform for all your communities
API Integration
Build your membership product on top of a complete, well-documented REST API. With real-time webhooks for every transaction event and a sandbox environment, your engineering team can plug straight into your core systems, mobile apps, POS, or Wallet. No need to build card infrastructure from scratch.
White Label
Every card design, app name, brand color, and WhatsApp notification carries your business identity. A complete admin dashboard is configurable per segment, so the product feels 100% yours while we stay as the infrastructure behind the scenes.
Instant Issuance
Issue digital cards in seconds via API, whether single issuance when a new member signs up or batch issuance for thousands at once. Each card is automatically linked to a wallet, ready to top up from every Indonesian payment channel, and instantly usable at POS, canteens, or merchants in your network.
Who Is It For?
Schools & Boarding Schools
Deploy as student and teacher cards for identity, allowances, and canteen transactions.
Merchants & Retail
Issue membership, loyalty, and reward cards for your customers with more meaningful benefits.
Communities & Clubs
Design your community & club card with exclusive membership benefits across your network.
Companies
Multi-function employee cards for identity and transactions, as well as rewards distribution.
How It Works
From issuance to transactions, all in one integrated ecosystem
Client / Merchant
Create cards, set rules, manage dashboard
CARDS Platform
Card issuance, wallet, transactions, API
Cardholder
Mobile app, top-up, transactions, redeem
Issue Cards
Generate digital or physical cards in seconds via API. Batch or single issuance.
Wallet & Transactions
Top-up via every Indonesian channel. Auto-debit at POS/canteen/online.
Dashboard & Reporting
Clients monitor all cardholders, transaction volume, and real-time reports from the web.
Everything You Need for a Modern Digital Card
Five core CARDS Digital features, ready for your business
Custom card design
Cards that carry your brand's face
Upload logo
Brand colors
Card background
Template
Ready-made · Custom
Preview
Real-time preview
Design changes won't disturb active wallets
Custom Card Design
Cards that carry your brand's face
Every card a member holds reflects your business identity, not CARDS.
- Upload logo, brand colors, and card background
- Ready-made templates or fully custom design
- Real-time preview before publishing to cardholders
- Change design anytime without disturbing wallets
Top-up every channel
Top up anywhere, anytime
Bank VA
E-Wallet
QRIS
Scan & pay from any app
Minimarket
Alfamart · Indomaret
Blu & BI-Fast
Blu by BCA Digital · BI-Fast
Achmad Dava Al Fahrizy
1000 8278 9128 1123
SMP Digital Indonesia+
Nominal *
Wallet
Top-Up Every Channel
Top up anywhere, anytime
No more members running out of balance. CARDS supports every popular Indonesian payment channel.
- Bank VA: BNI, BCA, BRI, Mandiri, BSI, 20+ banks
- E-Wallet: DANA, LinkAja, OVO, GoPay
- QRIS: scan & pay from any app
- Minimarket: Alfamart, Indomaret
- Blu by BCA Digital & BI-Fast Bank Transfer
Riwayat transaksi detail
Transparan, tercatat, bisa dieksport
Filter transaksi
Export PDF
Laporan siap cetak kapan saja
Notifikasi real-time
Setiap transaksi langsung masuk
Spending pattern
Transaksi Sukses
20 Juni 2024 / 16:17:04
Detail Transaksi
Total Pembayaran
50.000
Susu 500 ml
1 Pcs x 10.000
Mie Goreng
2 Pcs x 5.000
Telur Ayam 1 kg
1 Pcs x 29.000
Detailed Transaction History
Every rupiah recorded, transparent, exportable
Cardholders and admins can view complete transaction history: when, where, how much. Filter, search, and export anytime.
- Filter by date, category & merchant
- Real-time notifications for every transaction
- Monthly spending pattern charts
Card settings & control
Kendali penuh ada di tangan Anda
Limit harian
Atur batas belanja per hari
Keamanan PIN
Tambah kartu
Daftarkan kartu baru
Notifikasi & akses
Tindakan lanjutan
Data siswa
Blokir kartu darurat
Hapus kartu
ACHMAD DAVA AL FAHRIZY
SMP Islam Al-Izzah
1000 8278 9128 1123
Saldo Uang Saku
50.000.000
Tidak Ada Limit Harian
Controls & Settings
Full security in the hands of cardholders and admins
Secure access with PIN, instant block, daily limits, balance alerts, and shared access.
- 6-digit PIN, self-service change via OTP
- Instantly block & unblock card from the app
- Daily limits, controlled by cardholder or admin
- Balance alerts via WhatsApp & push notifications
- Shared access: view-only, top-up, or full access
Redeem di kantin
Transaksi cashless tanpa ribet
Order detail
Add discount
Per item atau global order
Surcharge & PPN
Dihitung otomatis oleh sistem
Catatan order
Instruksi tambahan untuk kasir
Metode pembayaran
Aqua - Aqua 200 ml
Rp 10.000 x 2
✎ EditAyam Geprek - Besar
Rp 15.000 x 1
✎ EditRedeem Balance & Rewards
Card balance and points easily redeemable
Cardholders enjoy real benefits from their accumulated balance and points: discounts, rewards, or bank withdrawals.
- Closed-loop: balance usable only at your network merchants
- Points to discount: cashback or discount on next purchase
- Reward catalog: vouchers, physical goods, or exclusive benefits
- Withdraw to cardholder's bank account (per client policy)
Why CARDS Digital?
Three key reasons CARDS is the best choice
Easy Integration
API-first, complete documentation
- REST API with interactive docs
- Real-time webhooks for every transaction event
- Sandbox environment for testing before go-live
- Dedicated onboarding engineer for every client
Full Personalization
100% white-label, your brand
- Custom card design with your logo & brand colors
- Dashboard configurable per cardholder segment
- Flexible limits, redeem, and rewards rules per client
- App name & notifications use your brand
- Multi-tier membership (Silver, Gold, Platinum)
Revenue Sharing
You share in every transaction
- Revenue share from MDR on every cardholder transaction
- Passive income from top-up channel volume
- Real-time revenue transparency reporting
- The more transactions, the bigger your share
Ready to integrate
with us?
Contact us for a free demo and consultation on CARDS Digital.
Our team is ready to help you build a white-label membership card for your business.
