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 — without building card infrastructure from scratch.
White Label
Every card design, app name, brand color, and WhatsApp notification carries your business identity — personally. 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 of cards 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 — as 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.
