Who We Are

3Line Card Management Limited designs, builds operates and markets world-class card management, electronic services and related infrastructure.

We focus on 3 key areas:

eData
Comprehensive and reliable individual data management for Employers, Government Agencies, Educational Institutions, Health Management Organisations, Insurance Firms, Pension Funds Administrators and Merchants

eIdentity
Verification, authorization and access using individual data and/or biometrics for Employers, Government Agencies, Educational Institutions and Health Management Organisations.

ePayment
Superior ePayment services that offer for the first time in Nigeria: online and offline capabilities, payments of goods and services on the largest network comprising of multiple channels and largest network for cash withdrawals on ATM and POS.

Our eServices rely on our card platform which is smart card based and licensed to operate in Nigeria under the Freedom Card brand name. We offer for the first time in Nigeria a card platform that is:

•  Multi-Purpose – On a single card platform we offer you a combination of data, identity and payment functionalities.
• Multi-Channel – Our eServices can be processed on several networks giving you a superior accessibility. Support networks include: International and Local Payment Networks (Visa/NSL, Interswitch, Arius Nigeria…..), GSM and PTO Networks and Internet.

In combination with an in-house Card Management System (CMS) and a Terminal Management System (TMS), our technology manages the entire lifecycle of your card from procurement to fulfillment. We implement and monitor your eSolutions as well as provide feedback for you through various performance metrics and analytical reports.

Our intention is to advance the options available for managing eServices by leveraging on our technology and business platforms to deploy innovative eSolutions that make life more convenient, simple and secure, while continuing to develop in partnership with our clients and associates solutions that remain dynamic and maintain cutting-edge offering even as the market needs become more sophisticated.