How one card carries multiple payment applications.
A fintech offering both debit and credit on one card. An employee benefits provider combining meal and mobility. A retailer adding loyalty to a payment card. In each case, Multi-PAN runs the applications on one physical card, each with its own primary account number, balance, controls and ledger. The product structure stays separated. The cardholder carries one card.
One card in the wallet. Multiple products behind it.
A streamlined cardholder experience.
Cardholders carry one card and remember one PIN. In the digital wallet, each application has its own visual identity, making the right payment choice clear at every checkout.
Real-time programme configuration.
Add, remove or adjust card applications, limits and settings in real time. The next transaction runs on the updated rule.
One card per customer.
One physical card per customer to issue, replace and manage. Production costs, postage and lifecycle overhead kept to a single card, regardless of how many applications sit underneath.
Swile’s multi-PAN card, from concept to 250,000 issued.
Swile combined employee benefits and expenses onto one card, each linked to its own balance and rules, issuing 250,000 cards in a single month.
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Revolutionising employee experience management
Combining multiple benefit types on a single physical card.
The technical architecture of a Multi-PAN card.
Multi-PAN, one physical card.
Each application runs as its own payment use case, with its own balance, funding source and rules. The cardholder selects the right one at the point of payment.
Dynamic, real-time control.
Enable, disable or update applications in real time. Limits and settings change the moment the rule changes, with the card staying in the cardholder’s wallet throughout.
PAN-level ledger separation.
Each application links to its own account and balance. Transactions land on the correct ledger at authorisation, with the financial layer maintained separately across all applications.
Distinct digital wallet visuals.
In the digital wallet, every application appears as its own card, with its own visual identity. The cardholder selects the right application at the point of payment.
The infrastructure behind a great benefits programme.
Explore the possibilities of Multi-PAN for your programme.
Share your programme structure and we’ll map Multi-PAN across it.
