Issuance Platforms

Multicard FSG is proud to offer its customers the QRails payment processing platform. QRails offers an intuitive, flexible dashboard for both you and your cardholders so you can enjoy exceptional transparency and control over your payment programs. Using your dashboard, you can configure spending limits, risk alerts and reports at the BIN or program level — and adjust these parameters as and when you need to, in real time. And your cardholders can benefit from this added visibility and control too, if you choose to provide them with access to the QRails dashboard and controls, they can manage their own risk limits and alerts.

QRails provides issuers an exceptional payment processing platform, designed to meet cardholders’ evolving expectations and needs.

QRails has been designed to achieve 99.999% up-time. As a virtual operating system and cloud-based network, it’s possible to build at least 100% redundancy into our system from the outset. In the absence of any single point of failure, any error or breakdown within the system should cause no more than 20 seconds of downtime. We do everything possible to anticipate and preempt errors or breakdowns, including 24 hour proactive and predictive monitoring and continuous PCI scanning of all core production systems. We also have a comprehensive disaster recovery program, including redundant sites in nine locations in seven states.

Issuer Processing

The QRails system is designed with the most stringent customer requirements in mind — we’re proud to say that the QRails platform is one of the first payment processors to achieve PCI-DSS Level 3.2 compliance. Our platform is second to none: omni-channel, developer-friendly, user-friendly, scalable, reliable and secure, with smart innovations including integrated loyalty schemes, fraud management and instant issuance.

Integrated Launch Services

To make it as easy as possible for you to roll out a new card or program, you can choose to use our turnkey launch solution — a “one-stop shopping” experience that gets your program configured and your cards issued quickly, seamlessly and effectively. With the relationships we have developed with our industry partners, we can deliver your fully operational program within 60 days.

We take care of everything, including:

  • Program design
  • Card design and production
  • Personalization and fulfillment
  • Marketing and publicity
  • Integrating a loyalty offer
  • Fraud management
  • Designing and implementing a mobile payments solution

And we can do all this whether you have a traditional card fulfillment program or want to provide your customers with cards on an instant issuance basis.


QRails is fully approved for use with the MasterCard and Visa networks, works on closed and open loop systems, and supports:

  • All issuer types — prepaid, debit and credit.
  • All payment channels — card-based, virtual and mobile (including Apple Pay and Android Pay).
  • All card types — including EMV and NFC-enabled cards and instant issuance cards.
  • We also offer white label mobile wallet and banking applications.

Smart Innovations

Our loyalty and rewards program is a seamless part of our system, driving exceptional performance. Our dashboard lets card issuers and card holders configure and adjust spending limits, risk alerts and reports. We have a powerful tool kit to fight fraud. And we provide a complete end-to-end solution for instant issuance — making us the only processor to our knowledge with its own fully integrated instant issuance solution.

Operational Support

We offer a full suite of operational support services to make sure your programs are as effective as possible. Our management team is there to support you at every stage — from program design, through helping you devise your marketing strategy and materials, to rolling out your program and ensuring it runs smoothly.

Our comprehensive program management services include:

  • Integrated KYC and BSA/AML solutions
  • Chargeback administration and dispute management
  • Cardholder services — including an IVR self-help line and 24/7 customer call center


Integrated Loyalty & Rewards Programs

Our loyalty and rewards solution is a fully integrated part of our platform. This means it works seamlessly across payment channels, in real time, and is exceptionally configurable. Our solution allows you to define and adjust your own campaign parameters and provides you with real time crediting and debiting of loyalty points. It supports your campaign, gift card and loyalty programs on contactless cards and via mobile solutions — such as QR codes, mobile coupons or smartphone applications.

Contact us today with any questions you may have about our various card issuer solutions and which one is best for your specific needs and requirements.