Platform
One product from ATM capture to the customer’s hand
Fourteen modules on one core, one database and one audit trail. Each bank licenses the modules it needs; every module follows the same country pack and the same controls.
The custody journey
What happens to a captured card
- CapturedATM keeps the card; the switch reports it
- RoutedRules pick the destination and deadline
- ReceivedBranch confirms the card physically
- NotifiedCustomer gets an SMS in their language
- Handed overOTP, ID check and signature
- Or moved onCFC, issuer return or certified destruction
Modules
Every module
In v1.0 available in the product todayv1.1 · Q1 2027 planned release and quarterOn request delivered per bank on request
Capture feed and intake
Every card an ATM keeps enters Cardvoy within minutes: from the switch API, a switch or EJ file, the CCRS, or a manual entry with a reason.
In v1.0
Details →Routing rules and SLA clock
Each captured card gets a destination and a deadline the moment it arrives.
In v1.0
Details →Branch custody and customer handover
The branch confirms each card physically, keeps it under dual custody and hands it over only to the right person: one-time code to the registered mobile, ID number matched to the customer record, and a signature on screen.
In v1.0
Details →Card centre (CFC) vault
Cards the branch cannot hand over move to a card fulfilment centre in sealed, tracked consignments.
In v1.0
Details →Issuer returns and certified destruction
Off-us cards go back to their issuer within the regulator’s deadline, and unclaimed cards are destroyed under dual control with witnesses and a numbered certificate, exactly as the country pack requires.
In v1.0
Details →Dispatch and consignments
One dispatch engine for everything a bank sends: new and replacement cards, PIN mailers, cheque books and documents, to customers, branches and card centres.
In v1.0
Details →Courier integration
Couriers update Cardvoy the way they already work: a signed webhook, a status file or the courier portal.
In v1.0
Details →Customer tracking and self-service
Customers get an SMS with a private tracking link.
In v1.0
Details →Courier invoice audit
Cardvoy knows what every consignment should cost.
In v1.0
Details →AI risk radar
Every capture gets an explainable risk score.
In v1.0
Details →Dashboards and regulator returns
Dashboards for branches, card centres, operations and executives, and the registers and returns each regulator asks for, from the same data.
In v1.0
Details →Maker-checker, roles and audit
The server, not the screen, enforces who may do what.
In v1.0
Details →Configuration and company customisation
Three layers: the Cardvoy core, your country pack and your organisation.
In v1.0
Details →Integration API
A documented REST API for the switch, card management system, core banking and couriers.
In v1.0
Details →One audit trail
Every module writes to the same proof.
Captures, handovers, courier events, approvals, configuration changes and logins all land in one hash-chained audit trail per bank. Auditors verify the chain in one click and filter it by card, user or action.
See Cardvoy with your own process.
Book a walkthrough: we configure your branches, CFC, couriers and country pack in a private POC and run a captured card from ATM to customer while you watch.