Success Story: Viseca Card Services

Governing the flow of data for payment card services using Axway Managed File Transfer solutions

  • Headquarters

    Zurich, Switzerland
  • Industry

  • Challenge

    • Implement a highly secure managed file transfer solution that handles different protocols through a single product, in order to govern the flow of data for payment card services
    • Establish a data safe to protect cardholder master data
  • Solution

  • Results

    • Secure, reliable, 24/7 file transfer operations
    • Fully automated file transfer, with no need for operator intervention
    • Highly secure master data safe with absolutely reliable unidirectional transfers, to ensure a rock-solid DMZ for master customer data
    • Securely protects the Viseca MFT environment through encryption of the transport layer and verification of user credentials
    • Enforcement of strict rules for file transfers, as the reputations of VISA® and MasterCard® are on the line

“For Viseca, the great thing is that Axway's MFT solution supports so many protocols in a single software package. The ability to exchange data with our partners — in a fast and reliable way — is essential for our business. The Axway Gateway is very stable and reliable, and it functions 24/7.”

With more than one million customers, Viseca Card Services SA is one of Switzerland’s leading issuers of credit cards and prepaid cards.

Working with world leaders MasterCard® and VISA®, Viseca offers a broad range of products and services for its partners in retail and private banking, as well as corporate partners in other business sectors.

A company in the Aduno Group, Viseca belongs to the largest Swiss retail banks, including Cantonal banks, Raiffeisen Group, Migros Bank, Bank Coop, regional banks as well as private and commercial banks.

As the owner of license rights for MasterCard and Visa in Switzerland, Viseca receives orders for payment cards from banks and corporate customers. Viseca executes these orders, acting as card issuer while handling authorization, clearing and settlement, and providing fraud-prevention services.

“We have over one million cardholders in Switzerland. With Axway’s solution, we transfer nearly 200 different types of files, each according to its own business process. In total, we transfer over 500,000 files a year, nearly 1 terabyte of data—and the volume is growing.”

Controlling the Business Process for Every Data Flow

The role of managed file transfer

To carry out its mission, Viseca needed to control the entire network and all data flows, as well as manage the business process associated with each data flow. Viseca had to ensure that all credit card information — from the very first paperwork — would  move through its European infrastructure in a highly secure way.

“We needed a managed file transfer (MFT) solution that handled different protocols in a single product,” said Christian Feuchter, Viseca IT System Engineer responsible for data exchange with Viseca’s partners. “We work with many different data flows — order entries, embossing orders, customer letters scanned by our partners — over 200 data flows in all.”

“The network and system have to be available around the clock, because we exchange data with our partners 24/7,” continued Feuchter. Moreover, certain of the business processes are time critical. For example, embossing orders must be generated according to a specific schedule, or the card generation process fails.

Above all, given the sensitivity of handling transactions for MasterCard and VISA — both financial and in terms of reputation — Viseca needed to ensure absolute data integrity and security, including provision of a master data safe.

“The ability to exchange data with our partners—in a fast and reliable way—is essential for our business. The Axway Gateway is very stable and reliable, and it functions 24/7.”

Choosing the Right Vendor

A rigorous vetting process

Viseca selected Axway’s solution based on several key criteria: flexibility and functionality, reliability and security, and adoption by Viseca’s partners.

“For Viseca, the great thing is that Axway’s solution supports so many protocols in a single software package,” said Feuchter.

To vet Axway’s proposal for a cardholder master data safe, Viseca called in an independent firm of high-level security consultants to carry out a review. Axway’s solution passed the test to the highest technical standard, with special mention for the solution’s rock-solid demilitarized zone (DMZ).

Several of Viseca’s key partners and outsourcing firms already used the Axway solution, establishing a proven track record and further validating Viseca’s choice of Axway as its supplier. “Some of our partners use the Axway Gateway, so it is easy to set up file transfers with them,” said Feuchter.

The Power of the Axway Solution

A robust MFT infrastructure for payment card services

In the Viseca ecosystem, Axway Gateway is the central business-to-business (B2B) data-exchange facility. “We use Axway Gateway to transfer all files to our partners,” said Feuchter. A diverse set of business processes is implemented over the Gateway, including order entry, embossing orders, data warehouse, and support for digitized paper-based procedures.

“We have over one million cardholders in Switzerland,” said Feuchter. “With the Axway solution, we transfer nearly 200 different types of files, each according to its own business process. In total, we transfer over 500,000 files a year, nearly 1 terabyte of data—and the volume is growing.”

Using Axway’s fully automated Managed File Transfer infrastructure, Viseca outsources its complete back-end processing, including the card management system, calculation of account statements, and settlement between banks.

The settlement process is a critical business process that runs over the MFT infrastructure. This process includes settlement between the cardholder, the cardholder’s bank, the point-of-sale merchant’s bank, and the banks of MasterCard, Visa and Viseca.

“In our fast moving and growing financial environment, a reliable B2B file-transfer platform is essential for providing services to our partners and customers. Axway’s solution is vital for our business, and it’s doing an excellent job.”

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