Frequently Asked Questions

Where is Cardtrend headquartered?

Cardtrend’s headquarters is located in Kuala Lumpur (Malaysia) where our core teams handle business operations, product development, and customer support.

How long has Cardtrend been in operation?

Cardtrend has been in operation for over 20 years.

Does Cardtrend have regional offices?

Yes, in addition to our headquarters, Cardtrend has regional offices across several key locations to provide localised customer service and technical support.

Are Cardtrend’s solutions and services available in my country?

Cardtrend’s solutions and services are available across multiple countries. Please contact our team to confirm specific availability in your region and how we can tailor our services to local market conditions.

Can Cardtrend’s solutions comply with local regulations in different countries?

Yes, Cardtrend is committed to ensuring regulatory compliance in each region where we operate. Our platform is adaptable to meet local legal, financial, and security regulations, ensuring smooth operations regardless of location.

How does Cardtrend ensure that its solutions comply with changing government requirements?

We work closely with our clients throughout the process, making updates as needed to meet regulatory requirements. Our team works alongside clients and regulatory bodies in relevant regions to ensure that all regulatory changes are seamlessly integrated into their systems.

What industries does Cardtrend cater to?

Cardtrend serves a broad range of industries including financial services, retail, fuel and fleet management, hospitality, logistic and more. Our solutions are flexible and can be customised to fit the unique needs of different sectors.

What sets Cardtrend apart from other providers in the market?

Cardtrend’s commitment to developing all products in-house ensures that we maintain full control over quality, customisation, and integration. Our dedicated client services team provides personalised support at every stage, from initial setup to ongoing maintenance, ensuring that clients receive tailored solutions to meet their unique business needs. Our focus on a closed-loop transaction ecosystem enables businesses to achieve efficiency and security while reducing transaction costs.

Can I see a demo or learn more about these solutions?

Absolutely! If you’re interested in learning more about any of our product modules, please contact us directly. We’d be happy to provide detailed demos or consultations tailored to your business needs.

What is a closed-loop transaction ecosystem?

A closed-loop transaction ecosystem is a self-contained system where transactions occur within a defined network of users and merchants. It allows for direct interactions without the need for external payment processors, enhancing efficiency and control over transactions.

What types of businesses benefit most from a closed-loop transaction ecosystem?

Fuel retailers, loyalty program operators, financial institutions, and government agencies ideally benefit from closed-loop ecosystems. These businesses often require high levels of control over transactions, security, and customisation to meet their specific operational and regulatory needs.

How do Cardtrend products integrate with each other?

Cardtrend’s products are designed for seamless integration. For instance, FleetOps can easily integrate with iAuth to ensure secure and efficient transaction processing.

Can Cardtrend’s closed-loop transaction solutions be customised to my business needs?

Yes, all of Cardtrend’s solutions—including fuel card management system, loyalty management system and rule-based authorisation engine—are fully customisable. Whether you need specific transaction controls, user access restrictions or integration with your existing systems, our systems are flexible to meet your unique business requirements.

What kind of support does Cardtrend provide to its clients?

Cardtrend provides comprehensive software maintenance and IT operations support, which includes application support, software maintenance and enhancements through change requests and service requests.

How does operating within a closed-loop system help secure my business’s transactions and reduce fraud risk?

Operating within a closed-loop ecosystem gives your business complete control over transactions, minimizing dependence on external networks and reducing the risk of fraud. Our solutions incorporate advanced security features, including PIN control, hardware security modules (HSM), and Message Authentication Code (MAC) encryption, ensuring that each transaction is fully protected.

What kind of transaction controls can I implement in a closed-loop system?

Cardtrend’s system allows for detailed transaction controls, such as setting spending limits, purchase frequency, fuel type restrictions, and real-time card blocking. These controls can be applied at different levels, including user, account, or card, giving you full flexibility to manage and monitor transactions based on your business rules.

Are Cardtrend’s closed-loop solutions developed in-house?

Yes, all our products—such as the rule-based authorisation engine (iAuth), Fuel Card Management System (FleetOps) and Loyalty Management System (LoyaltyOps)—are developed entirely in-house. This ensures that we have full control over quality, scalability, and security, and allows us to offer tailored solutions for each client.

Can Cardtrend’s closed-loop systems support both physical and virtual card transactions?

Yes, our platforms are designed to handle multiple types of card transactions, including those made with physical cards, virtual cards, or QR codes. This flexibility allows businesses to offer a wide range of payment options to their customers, improving convenience and user satisfaction.

What is iAuth, and how does it work?

iAuth is a rule-based authorisation engine designed to control and authorise transactions in real-time. It uses customisable control parameters that can be updated without disrupting live transactions and ensures uninterrupted transaction authorisations even when the backend is unavailable.

What makes iAuth unique?

iAuth is the first standalone rule-based engine of its kind in Southeast Asia, offering seamless integration with external systems via TCP (ISO 8583) and HTTP (REST API) protocols. It supports diverse payment methods, including mobile apps and payment terminals, and manages transactions efficiently, processing up to 5 million transactions per day.

What challenges does iAuth address?

iAuth resolves common issues associated with traditional systems, such as delays and operational inefficiencies during peak transaction periods or batch processing.

Can iAuth be integrated with other systems?

Yes, iAuth supports integration with various payment terminals (indoor, outdoor, kiosks) and mobile applications. It is designed to integrate smoothly with external systems, offering a modular structure that allows easy expansion.

How easy is it to integrate iAuth with existing systems?

iAuth is designed for seamless integration using easy-to-use channels such as TCP (ISO 8583) and HTTP (REST API). This allows external parties to connect with the system effortlessly, whether through indoor payment terminals, outdoor payment terminals, kiosks, or mobile applications.

What types of controls can be implemented with iAuth?

Users can enforce various controls, such as usage limits, time-of-day restrictions, and station-specific constraints, product type and allowing comprehensive management and monitoring of fuel expenses in real time.

What support is available for iAuth users?

Cardtrend provides comprehensive support for iAuth users, including technical assistance, training resources, and ongoing maintenance services. Clients can contact our support team for any inquiries or issues they may encounter.

What is FleetOps, and how can it benefit my fuel retail business?

FleetOps is an advanced, web-based platform that centralises fuel card operations, helping fuel retailers manage transaction tracking, card issuance, authorisation and compliance with industry regulations. It streamlines operations, reduces inefficiencies, and minimises the risk of fraud, making your fuel card management process simpler and more efficient.

Can FleetOps handle both prepaid and postpaid fuel cards?

Yes, FleetOps supports both prepaid and postpaid fuel card programs, offering flexibility for businesses. Whether you want to allow customers to pay in advance or bill them afterward, FleetOps provides robust tools to manage credit limits, monitor transactions, and reduce financial risk.

What types of fuel transactions does FleetOps support?

FleetOps supports a variety of fuel transaction methods, including chip cards, magnetic stripe cards, virtual cards, and even QR codes. This diversity in payment options ensures that your customers have a convenient and flexible fueling experience.

How does FleetOps help prevent fraud and misuse of fuel cards?

FleetOps offers detailed control features, allowing businesses to set transaction restrictions, such as spend limits, fuel type constraints, and station-specific limitations. These customisable controls give fuel retailers full authority over how fuel cards are used, reducing opportunities for fraud.

How quickly can changes be made to card controls or restrictions?

With FleetOps, administrators can make real-time adjustments to controls, such as blocking cards or changing fuel type restrictions. This immediate control ensures that any issues can be addressed quickly without causing operational delays.

What kind of reports can FleetOps generate?

FleetOps provides comprehensive reports that track fuel consumption, transaction history, and spending patterns. The platform can generate invoices for fuel card customers, simplifying the billing process. Reports can be customised by frequency and format (PDF, Excel, text files) to meet your business needs.

How does FleetOps simplify the accounting process?

FleetOps automates billing and invoicing for fuel purchases, reducing the manual effort needed for accounting. The system tracks all fuel transactions, making tax filing, auditing, and financial reporting straightforward and organised.

Is FleetOps suitable for large-scale operations?

Absolutely. FleetOps is designed to process high volumes of transactions and manage a large number of fuel cards. The platform is highly scalable, making it ideal for businesses of any size, from smaller fuel retailers to large enterprises with complex operational needs.

Can FleetOps be integrated with other systems?

Yes, FleetOps offers seamless integration with existing business systems, including payment gateways and financial services. It also comes with over 80 APIs that allow easy connectivity with external platforms, making it flexible and future-ready.

Does FleetOps offer a self-service portal for customers?

Yes, FleetOps includes a value-added customer portal that allows your clients to manage their own accounts, check transaction histories, and monitor fuel usage. This self-service option enhances the user experience while reducing the administrative workload for your team.

How customizable is FleetOps?

FleetOps is highly customizable to meet specific business needs. With over 30 modules and extensive API support, businesses can tailor the platform to match their operational requirements, ensuring it grows with your business.

How do I get started with FleetOps or request more information?

If you’re interested in learning more about how FleetOps can transform your fuel retail business, contact us today to schedule a demo or consultation. Our team will be happy to walk you through the platform’s features and help you determine how it can meet your specific needs.

What is LoyaltyOps, and how does it enhance customer loyalty programs?

LoyaltyOps is Cardtrend’s in-house developed, cloud-agnostic loyalty management system. It streamlines the process of earning, tracking, and redeeming loyalty points through a comprehensive platform, giving businesses full control over their loyalty programs.

How customizable is LoyaltyOps to my business’s loyalty program needs?

LoyaltyOps is highly customisable, allowing businesses to set their own rules for point issuance, redemption, and campaigns. Whether you’re running a simple points-based system or a more complex rewards structure, LoyaltyOps can be tailored to meet your business needs.

Can LoyaltyOps integrate with my existing systems?

Yes, LoyaltyOps offers over 50 APIs and complies with ISO 8583 standards, making integration with your existing systems straightforward. Whether you’re using a retail management system, a POS, or a mobile app, LoyaltyOps can seamlessly connect to ensure a unified customer experience.

Can LoyaltyOps handle high transaction volumes for large-scale loyalty programs?

Absolutely. LoyaltyOps is designed to handle ultra-high transaction volumes, processing up to 3,500 transactions per hour. It has already successfully managed loyalty programs for a major oil and gas company and prominent airline in Malaysia, processing millions of loyalty points.

How does LoyaltyOps improve customer engagement?

LoyaltyOps provides real-time updates for loyalty points, ensuring that customers can track their rewards instantly after each transaction. With its self-service portal, customers can easily manage their points, view available rewards, and redeem points—all from their device. This level of transparency and convenience keeps customers engaged and loyal to your brand.

What levels of application support are available?

We offer Level 1, Level 2, and Level 3 software support and maintenance in accordance with the Service Level Agreement (SLA) to ensure that clients receive appropriate assistance based on the complexity of their issues.

How often are updates and new features released?

We provide periodical releases of functions and features to enhance our software applications. Clients are notified in advance about upcoming updates.

Is training provided for new software versions or modules?

Yes, we offer training on all software applications, including new versions and modules, to ensure that clients are well-equipped to utilise our solutions effectively.

Can I discuss new functions or features for my business requirements?

Absolutely! We encourage clients to discuss and brainstorm new functions and features to align our software with their evolving business needs.

Who can I contact for technical support?

Our team of highly qualified and experienced professionals is available to assist clients with technical support and maintenance throughout the duration of the contract.

How do I know if my issue requires Level 1, Level 2, or Level 3 support?

Level 1 support typically handles basic inquiries and issues, while Level 2 addresses more complex problems. Level 3 is for advanced technical support. Our support team will guide you to the appropriate level based on the nature of your inquiry.

How do I request a change or service request?

Clients can submit Change Requests (CR) or Service Requests (SR) during the software maintenance period. A scoping and quotation process will be initiated, and client approval is required before any work begins.

Is there a cost associated with Change Requests and Service Requests?

Yes, a man-day rate is chargeable for CR and SR raised by clients during the software maintenance period. The cost will be communicated clearly in the quotation before proceeding.

How does Cardtrend ensure system uptime?

We monitor our systems continuously to ensure they remain online according to the SLA. This includes batch job monitoring, daily data backups, and preventive maintenance.

How are application updates and deployments managed?

We manage application updates and deployments through a structured process, moving from testing to production environments while ensuring minimal disruption to client operations.

What is the Universal Card Management System (UCMS)?

UCMS is a unified platform developed by Cardtrend that simplifies the management of multiple card types and payment instruments. It is designed to cater to diverse industries, offering flexibility and customisation for businesses managing various transactional based operations.

What are the current testing efforts for UCMS?

We are actively testing and integrating new modules to ensure UCMS remains innovative and meets the standards of functionality, security, and user experience. Our goal is to deliver a comprehensive solution that adapts to our clients’ evolving needs.

Who can participate in UCMS testing?

We welcome participants from any industry interested in card management solutions, particularly those managing multiple card types or payment instruments. Whether you’re a current client or a prospective partner, we encourage you to join us in testing UCMS.

How do I get started with UCMS testing?

Simply reach out to us through our contact channels to express your interest. We are excited to collaborate and explore how UCMS can be tailored to your specific needs.

What is Cardtrend Infinity?

Cardtrend Infinity is our dedicated business unit focused on reselling and implementing innovative solutions that enhance operational efficiency across various sectors. We partner with leading technology providers to deliver comprehensive systems tailored to our clients’ needs.

How does Cardtrend Infinity engage with other solution providers?

We actively seek to collaborate with solution providers who share our vision of innovation and excellence. Our engagement involves identifying complementary technologies and services that can enhance our offerings and provide greater value to our clients.

What types of partnerships does Cardtrend Infinity offer?

We are open to various partnership models, including technology resellers, implementation partners, and collaborative service providers. Whether you’re a solution provider or a business looking to integrate innovative technologies, we welcome diverse collaboration.

How do you ensure synergy between Cardtrend Infinity and its partners?

We prioritise open communication and regular collaboration with our partners. By aligning our goals, sharing insights, and actively engaging in joint projects, we foster a synergistic relationship that benefits both parties.

How can we collaborate on new projects?

We encourage potential partners to reach out with their ideas and project proposals. Our team is excited to explore innovative solutions together, leveraging our combined strengths to address market challenges.