QPay Issuer Core¶

QPay offers issuers an abstraction that allows them to offer payment cards and process transactions with a very low compliance burden.

To issue cards with QPay, the issuer can choose to avoid the concerns of card network integrations and drastically reduce the scope of PCI-DSS compliance by simply integrating with one of the issuing processors already integrated into QPay. In this way, the issuer only needs to choose a predefined card template from their chosen processor and create a product based on that template.

When creating the product, the issuer defines the graphic details of the card and the service details with the embossers, such as delivery inputs for the cardholder.

If the Issuer wants to keep full control on card brand relationship, it implements its own processor integrating with the QPay Processor Core, homologate a BIN with the card brand and then integrate to its own processor through the QPay Issuer Core

Issuer flows on QPay¶

From onboarding to card issuing¶

sequenceDiagram
    actor Issuer
    participant QPay
    participant Processor
    participant Embosser
    actor Cardholder

    Issuer->>QPay: Choose a Processor
    QPay-->>Issuer: Processor Selected

    Issuer->>Processor: Request User at Chosen Processor
    Processor->>QPay: Create User Account
    QPay-->>Processor: User Created
    Processor-->>Issuer: User Credentials

    Issuer->>QPay: Integrate QPay Issuer Core
    QPay-->>Issuer: Integration Complete

    Issuer->>QPay: Choose Card Template
    QPay-->>Issuer: Template Details

    Issuer->>QPay: Define Card Product
    Note over Issuer,QPay: Product includes graphics,<br/>embossing details, delivery inputs
    QPay-->>Issuer: Product Created

    loop for Each new card request

        Issuer->>QPay: Issue Cards
        QPay->>QPay: Process Card Issuance
        QPay->>Embosser: Request physical card issuance
        Embosser->>Cardholder: Deliver physical card 
        Embosser-->>QPay: Confirms Cards Issued
        QPay-->>Issuer: Confirmation

    end