Softjourn
Finance

Softjourn Knows Prepaid Card Technology

Our expert developers solve specific needs for custom prepaid solutions such as payroll cards, branded reward & incentive cards, back office accounting and intuitive transaction processing. Embedded in these cards, our proprietary software ensures accounting transactions are speedy and accurate.
Our expert developers solve specific needs for custom prepaid solutions such as payroll cards, branded reward & incentive cards, back office accounting and intuitive transaction processing. Embedded in these cards, our proprietary software ensures accounting transactions are speedy and accurate.

Some of Our Clients:

PowWow - Softjourn's client
Ukrainian Processing Centre (UPC) - Softjourn financial client logo
Tacit Innovation - Softjourn's fintech client
PEX - softjourn's prepaid client
Viamericas - Softjourn's money transfer system client

Who Needs Our Prepiad Card Solutions?

Our expert developers solve specific needs for custom prepaid solutions, such as payroll cards, branded reward and incentive cards, back-office accounting, and intuitive transaction processing. Our proprietary software, embedded in these cards, ensures speedy and accurate accounting transactions.

We Integrate treasury management that empowers complete processing for merchants, vendors, ISO, and fintech businesses. We have all your prepaid needs covered, from tokenized data security protocols and virtual cards to transaction simulators.

  • Prepaid Service providers that want to get new functionality and new services out to market faster by working with an established industry technology provider.
  • Organizations looking to upgrade an existing prepaid solution to give both card issuers and users the best experience available using up-to-date technologies.
  • Companies ranging from startups to large enterprises with a great new idea for the next big thing in prepaid technology who want a partner that’s been there in the trenches to help get it off the ground.

Why should you work with Softjourn?

We know prepaid
We know prepaid

Having completed over 500 successful projects in this area since 2007, we have the knowledge and experience that is needed in both the business and technology sides of prepaid software development. Why invest in assembling the know-how and resources to try to get it right the first time when we’ve already got what it takes and can hit the ground running with prepaid expertise that is second-to-none

IP protection
IP protection

Your ideas and any source code we write for your project belong to you, and we will put it in writing. We want you to be comfortable, so we follow best practices such as frequent peer reviews, limiting code access among our developers, internal education on social engineering, and take appropriate steps to ensure that your IP is secured

Post delivery support
Post delivery support

We are only finished when you and your users are satisfied. Call on us whenever you need help, whether it is for training or additional development work. We excel at providing a great experience and maintaining close relationships with every customer to ensure that they return to us as their business grows and evolves

Maintainability
Maintainability

Whether you continue to work with us or not, the code we write will be well-structured and easy to maintain, because we know that like your business, your software is a living system. Software is always a work in progress. We’ll make the smart investments needed so that your next project goes as smoothly as this one

Security
Security

With Softjourn, security is not an afterthought, but designed into every project and feature as we consider their security implications (such as scanning uploaded receipts for malware). We’ll work hard to keep your prepaid cards and the underlying server data safe from third-party fraud, illegal content, and malware, so that you stay out of the headlines

Innovation
Innovation

Softjourn has almost a decade of experience when it comes to investigating new technology and ideas, and trying to understand how to make them a reality. We have many proven POCs that show our expertise in our chosen domains, whether it’s understanding financial processes, developing applications for specific concerns,  or marrying new technology to current trends. We are also very excited about artificial intelligence, blockchain, and other new technologies that are poised to alter our world in the coming decades.

With Softjourn, you’ll get access to the latest technology.

Contactless payments

Contactless payments

Between their ease of use, support for microtransactions, and accessibility to the disabled or infirm as well as those without standard devices or regional communication infrastructure, contactless payments are sure to be the future. Try them out now in your prepaid solution
Blockchain

Blockchain

Softjourn has experience developing prepaid card software that leverages blockchain, the cryptographic technology that is taking the world by storm. Through a shared, distributed ledger, blockchain enables low-cost prepaid transactions including direct currency conversion and can increase security by several mechanisms including prevention of data tampering
Biometrics

Biometrics

The payment card industry is shifting dramatically towards the utilization of biometrics. Stolen cards, identity theft and other malicious activities are a massive drain on resources, not to mention the effect on cardholders. Common authentication methods are too easily compromised and that's why biometrics are so important for authentication in finance.
Geolocation

Geolocation

Nearly three-fourths of online consumers become increasingly frustrated with websites and their content when they feel that content does not reflect their interests. By focusing in on where your potential customers will be and showing them what’s not only locally available to them but is also related to a current or past interest, you have a stronger chance of increasing and maintaining sales, not to mention increasing and retaining brand loyalty.
In-app OCR scanning

In-app OCR scanning

Our solution simplifies receipt processing for corporate clients. Employees upload receipts via smartphones, and our OCR system efficiently extracts key information. Standard templates ensure accuracy in extracting total amount, tax, and vendor details for validation. MSCS provides a "raciness" indicator for potential inappropriate expenses. Save time and ensure accuracy with our streamlined solution.
AI and ML Tools

AI and ML Tools

AI-powered mobile banking apps offer a personalized experience for the user and can go as far as helping customers plan and budget their money. One of the most exciting and tangible AI trends is automating customer service through chatbots—embedded within banking apps. AI-powered chatbots can deliver benefits beyond the obvious human labor cost saving, providing true virtual assistance—including transactional capabilities, advice based on individual behavior patterns, and even opening accounts.

Want to know how our prepaid experts can help your project?

Why should your organization have a top-notch prepaid card system?

Get a handle on employee spending
Get a handle on employee spending

Tracking expenses in today’s world is trickier than ever, with transactions occurring with the simple swipe of a card or the push of a button. How can a company ensure their employees have the funds needed to perform essential work and still have visibility on spending? 

Prepaid cards have been popular in the customer sector for decades. Once they are in a digital walled, they provide a powerful option for companies looking to better track employee spending.

  • Prepaid cards allow employers to authorize essential funds for employees to complete on-demand payments that are part of necessary business activities; for example, buying gas or purchasing necessary repair parts. Prepaid cards are not linked to bank accounts, and set specific limits on the spender.
  • A mobile app allows employers to see expenses as they happen. They can allocate funds to employees depending on merchant categories, designate where and how funds may be distributed, and track expenses in real time to prevent end of billing cycle surprises.
  • A mobile app also allows employees to track and manage their own allocated funds by being able to check their balance and request needed funds on their own instead of waiting on hold for a call center.
  • Reloadable prepaid cards also have strong KYC requirements

 

More convenient and appealing procedure for expending funds
More convenient and appealing procedure for expending funds

Your users would benefit from a more convenient and appealing procedure for expending funds. We can set them up with prepaid cards and chatbots. Here's what you can offer to your clients

 

  • Impress your users by applying innovative prepaid technologies. You don’t have to be out there alone — we’ll back you up every step of the way, with contactless cards or any other technology you’ve got your eye on.
  • Get your prepaid applications out on iOS and Android with minimal maintenance expenses. Softjourn uses Xamarin, Phone Gap, and other cross-platform development systems to make them accessible to the widest possible audience.
  • Offer your users the convenience of advanced interfaces to prepaid transactions, including IVR (Interactive Voice Response).
  • Use layered API to achieve the flexibility you need. That way, any card-issuing organization or third-party developer can produce any number of apps with just the right magic.

What We Offer

Whether upgrading an existing code or creating a new one, our most important expertise is a proven approach to mitigating risk and containing costs. Discover more about Softjourn's expert Consulting Services.

Often clients don’t know what product they need, but do know the results they want. Our job is to help define the product and develop optimal solutions to get those results. Learn more about Softjourn's Discovery Phase Services.

To compete, our clients continually need to provide new and better services. We have our own R&D Centers – started in 2008 – which uniquely positions us to do just that. Read more about Softjourn's Research and Development Services.

Our developers and illustrators are experts at UI and UX design. They will work with you to understand your needs in going from idea to prototype to deployment faster and at less cost. Explore further into Softjourn's Digital Product Design Services.

Software development has grown exponentially in recent decades. Softjourn is the solution to help you define and develop forward-thinking technology that gets real-world results. Get to know more about Softjourn's Software Engineering Services.

Our core belief is that analyzing and testing is critical because the essential role of software is so important. In the process, our Quality Assurance team helps you create superior products. Explore further into Softjourn's QA services.

Since day one, we’ve been providing application support and maintenance services to each customer on every project. It’s why we’re a proven, trusted partner and reliable asset. Get to know more about Softjourn's Application Support and Maintenance Services.

Our technology stack at Softjourn is designed to empower us to deliver world-class services to our clients. With a strong focus on innovation and efficiency, we continually adapt our expertise to stay ahead of the curve. Discover the Technologies and Frameworks we utilize, and learn how we can bring your ideas to life.

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Client Testimonials

Tacit Corporation partnered with Softjourn for their software development and consultancy services because of their technical expertise and direct approach. Brenda Crainic, CTO of Tacit, remarked, "Our Softjourn team developed and helped us certify most of our integrations with over 60 third-party systems, such as Point of Sale, payment gateways, loyalty and gift cards, players cards, student cards, lockers and most recently, autonomous stores.
Our team’s dedication to understanding Tacit's needs has been instrumental in enhancing their platform’s capabilities, ensuring robust software development and consultancy solutions. This ongoing collaboration underscores our commitment to delivering high-quality, innovative services that support our clients' visions." - Brenda Crainic, CTO and Co-Founder of Tacit

Read the Full Case Study