Technology
Our technology is one of the things that make our offering unique. 3Line has the capability for back-end management of smart cards using a multi-application, multi-channel electronic and mobile payment platform. 

Our Card Management System (CMS) is Euro, MasterCard and Visa (EMV2) Compliant working on Java based technology with an end-to-end solution that allows financial and non financial institutions to offer a variety of eServices on our card platform. 

The Freedom Card® scheme meets all standard regulatory requirements such as Know-Your-Customer (KYC) guidelines, compliance with all local and international financial transaction regulations and compliance with best practice risk and security management frameworks. We use highly secure infrastructure across all service channels and have an open architecture that is interoperable with existing infrastructure in Nigeria.

The main stay of this technology lies in the ‘hybrid’ nature of our 72k smart cards which feature both an integrated circuit or a ‘chip’ and a magstripe portion giving it its dual functionality for both offline and online use. 

Card Management System

Our card management system is highly robust with full capability to manage:

• Card life cycle management, debit, pre-paid, virtual, and mobile;
• Flexible management of card portfolio and fast creation of new card products;
• Multi-banking, multi-currency, multi-brand and multi-account system;
• Authorization, authentication, fraud management and credit scoring & Loyalty schema;
• Transaction processing, clearing & settlement, reporting and analytics;
• Fees calculation, accounting and core integration with other host using ISO 8583 & Web Service standard