A migration is only as good as the framework it runs on.
Moving a live card programme means transferring cardholder data, card credentials, account balances, instalment plans and digital wallet tokens from one infrastructure to another while cardholders keep spending without interruption.
The programmes that do this well don’t attempt it in one move. They scope it before it starts, sequence it in clear phases and run new infrastructure alongside the old until the transition is complete. Every milestone is visible, every decision is shared and your cardholders never notice the switch.
Avida’s landmark migration, by the numbers.
Consumer credit cards migrated across Sweden and Norway with zero downtime.
Instalment plans transferred without disruption to balances, limits or histories.
Product types migrated simultaneously including tokens, BINs, Apple Pay and Google Pay.
Markets with separate regulatory requirements, migrated in parallel and on time.
Months to completion, faster than the industry average for programmes half the size.
What a successful card migration is built on.
A dedicated migration team.
Every migration gets its own team of migration architects, compliance experts, fraud analysts and onboarding managers, built around the specific requirements of your programme.
A proven seven-step framework.
Every stage has named artefacts, checkpoints and sign-offs. Nothing gets improvised mid-migration.
A plan tailored to your programme.
Every migration is scoped around your specific products, markets and technical setup, adapting by portfolio, region or use case to fit what the programme needs.
Clear milestones and honest timelines.
Weekly migration reviews, a live risk register both teams can share, named escalation paths on both sides. Your team always knows what’s coming.
A migration cardholders never notice.
Token transfers, digital wallet continuity, PIN and card credential migration, every element of the cardholder experience stays intact throughout the transition.
Why the programmes that move forward migrate.
Card programmes outgrow their infrastructure. Providers fall short. Products need capabilities the current platform doesn’t have. Each is a signal it’s time to migrate. Moving a live portfolio, with real cardholders, real transactions and tokens tied to digital wallets, demands the right framework and team. The right specialists, methodology and track record determine the outcome. Risk is shared from first scoping to go-live.
Two migration paths. Both proven.
Daniel Fabricius,
VP of Operations
Done well, a migration is invisible to cardholders. That takes planning built around each specific case, not a one-size-fits-all template.
Michael Fabricius,
Head of Customer Onboarding
Some migrations move overnight, card details and all, while customers keep the cards they have. Others move gradually, client by client.
The migration guide that puts your team in control.
Seven stages, every decision mapped out. From project setup and data discovery through to dress rehearsals, go-live and hypercare, with every step visible before it arrives.
How it feels to get migration right.
Mikael Johansson,“From the very beginning, the cooperation has been characterised by a positive atmosphere and strong teamwork.”
CEO of Avida.
Thorbjørn Fink,Switching from one processing partner to another is like a lung transplant—it has to be perfect. With Enfuce, we found a true partner, not just a supplier. The migration was smooth, and we felt supported every step of the way.
COO of PLEO.
The reads behind every great migration decision.
Your migration, planned and executed with precision.
The specialists, framework and track record are already in place. Tell us about your programme and we’ll show you exactly how we’d approach it.
