Cards and Payments Management Training Course

Participants can define a card proposition aligned to target customers, acceptance needs and commercial objectives.

• Customer segmentation using needs, behaviours, value and payment-frequency indicators
• Debit, credit, prepaid and charge card proposition differences
• Designing card benefits, rewards, fees and eligibility criteria
• Acceptance coverage, payment convenience and customer-experience design considerations
• Jobs-to-be-Done analysis for consumer, business and corporate cardholders
• Value proposition canvas applied to a defined card product

Participants can assess card-product profitability using revenue, cost, loss and transaction-volume drivers.

• Interchange, merchant service charges and scheme-fee revenue structures
• Issuer revenue from interest, annual fees, foreign exchange and rewards
• Acquirer margin analysis using merchant pricing and processing costs
• Unit economics model built from active cards, spend and losses
• Contribution margin analysis for card portfolios and merchant segments
• Pricing decisions tested against customer value, risk and competitor offers

Participants can identify scheme-rule obligations and establish governance for card-payment decisions.

• Card-scheme operating rules affecting issuers, acquirers and merchants
• Licensing, membership and sponsorship models for payment participants
• Scheme assessments, compliance programmes and remediation consequences
• Governance forums for product, risk, operations and technology decisions
• Responsibility assignment using the RACI matrix for payment processes
• Escalation thresholds for material losses, outages and rule breaches

Participants can design key lifecycle controls from onboarding through account closure.

• Cardholder onboarding, identity verification and account-opening decision flows
• Merchant onboarding checks covering ownership, risk and prohibited activities
• Card issuance, activation, renewal, replacement and expiry management
• Merchant category codes used for pricing, risk and acceptance rules
• Account maintenance controls for profile changes and credential updates
• Closure, dormancy and retained-data requirements across customer lifecycles

Participants can diagnose authorization performance and improve approval decisions without weakening controls.

• Authorization request elements, response codes and decision pathways
• Issuer host, processor and scheme routing responsibilities
• Approval-rate analysis by merchant, channel, country and transaction type
• Soft declines, hard declines and retry-management treatment
• Stand-in processing rules during issuer or processor outages
• Decision-engine tuning using velocity, amount and behavioural signals

Participants can control clearing, settlement and reconciliation processes across payment participants.

• Clearing files, presentment records and transaction matching principles
• Settlement cycles, funding obligations and prefunding arrangements
• Issuer, acquirer and merchant reconciliation account structures
• Break investigation using transaction references, dates and amounts
• Fee reconciliation for interchange, assessments, processing and foreign exchange
• Exception ageing reports and ownership for unresolved settlement items

Participants can establish service processes that resolve cardholder needs while protecting account security.

• Service journeys for lost cards, declined payments and disputed transactions
• Card-blocking, replacement and emergency-cash service procedures
• Call-centre authentication methods and social-engineering warning signs
• Service-level agreements for card production, delivery and activation
• Complaint root-cause analysis using Pareto charts and case categories
• Quality assurance sampling for customer-service and back-office processes

Participants can assess merchant-acquiring opportunities, acceptance risks and merchant operating requirements.

• Merchant acceptance models for physical, online and mobile channels
• Merchant due diligence using business, ownership and transaction-risk information
• Terminal deployment, key injection and estate-management controls
• Payment gateway functions for ecommerce transaction processing
• Merchant pricing models based on turnover, risk and service requirements
• Reserve, rolling reserve and delayed-funding risk treatments

Participants can interpret core payment-message fields and use transaction data for operational analysis.

• ISO 8583 message structure and key data elements
• Authorization, reversal, advice and financial-message distinctions
• ISO 20022 concepts for account-based payment messaging
• Retrieval reference numbers, trace identifiers and transaction matching
• Merchant category, terminal and entry-mode data interpretation
• Data-quality checks for duplicate, missing and malformed transaction records

Participants can apply core payment-security controls to card data, terminals and transaction channels.

• PCI DSS cardholder-data environment scoping and segmentation
• Primary account number storage, masking, truncation and retention rules
• EMV chip authentication and card-present counterfeit-fraud controls
• PIN management, encryption keys and hardware security modules
• Tokenisation methods for wallets, merchants and recurring payments
• Security incident response for compromised card or merchant data

Participants can build layered fraud controls using transaction signals, rules and investigation processes.

• Fraud typologies covering counterfeit, account takeover and card-not-present attacks
• Fraud-loss metrics by value, rate, channel and merchant
• Rules-based detection using velocity, location and behavioural anomalies
• Machine-learning score use within human-review decision processes
• False-positive measurement against approval rates and customer friction
• Fraud-case investigation workflow, evidence standards and escalation routes

Participants can manage dispute cases from cardholder claim through chargeback, representment and recovery.

• Dispute lifecycle from customer claim to final resolution
• Chargeback reason codes, time limits and evidence requirements
• Representment packages built from receipts, logs and delivery proof
• Pre-arbitration and arbitration escalation under scheme procedures
• Chargeback ratio monitoring by merchant, product and fraud type
• Root-cause actions for recurring dispute and friendly-fraud patterns

Participants can evaluate wallet and alternative-payment models against customer, security and economic requirements.

• Digital wallet roles for issuers, merchants, schemes and technology providers
• Network tokenisation and device tokens for credential protection
• In-app, ecommerce and contactless wallet transaction journeys
• Account-to-account payments compared with card-based payment methods
• Buy-now-pay-later models, merchant economics and credit-risk considerations
• Payment-method selection using customer, acceptance and cost criteria

Participants can assess cross-border card-payment risks, foreign-exchange costs and customer disclosures.

• Cross-border transaction routing, settlement currencies and conversion points
• Foreign-exchange spreads, dynamic currency conversion and disclosure requirements
• Country risk assessment using legal, fraud and currency factors
• Sanctions screening responsibilities within cross-border payment processing
• Cross-border merchant acceptance, local acquiring and settlement choices
• Travel-card controls for geographic use, cash access and alerts

Participants can incorporate regulatory, conduct and financial-crime requirements into payment processes.

• Customer due diligence and beneficial-ownership checks for payment relationships
• Transaction monitoring scenarios for suspicious card and merchant activity
• Sanctions, politically exposed persons and adverse-media screening touchpoints
• Consumer protection requirements for fees, errors and unauthorized transactions
• Data-protection principles for cardholder, merchant and transaction information
• Conduct-risk assessment for sales incentives, complaints and vulnerable customers

Participants can design operating controls for payment continuity, incidents and third-party service management.

• Operating-model design across product, operations, technology and risk teams
• Key risk indicators for fraud, availability, settlement and customer harm
• Business continuity planning for payment outages and processor failures
• Major-incident command roles, communications and recovery decision logs
• Third-party due diligence for processors, gateways and card bureaux
• Service-level reporting for availability, authorization and case-resolution performance

Participants can build performance reporting that links payment data to commercial, risk and service decisions.

• Payment KPI hierarchy linking volume, value, revenue, losses and service
• Dashboard design for approval rates, fraud, disputes and settlement breaks
• Cohort analysis of card activation, spend and customer retention
• Merchant portfolio segmentation using volume, margin and risk indicators
• Trend analysis separating seasonal effects from operational deterioration
• Management packs structured around decisions, actions, owners and deadlines

Participants can plan controlled implementation of a new payment product, rule or operating change.

• Business requirements translated into process, data and control specifications
• Payment change impact assessment across customers, merchants and partners
• User acceptance testing scenarios for authorization, settlement and disputes
• Pilot design using entry criteria, success metrics and stop conditions
• Implementation readiness checklist covering training, communications and support
• Post-implementation review using incidents, metrics and stakeholder feedback

Participants can build, review and present a complete cards and payments operating plan for a defined business scenario.

• Defining a target customer, payment proposition and acceptance model
• Mapping authorization, clearing, settlement and servicing transaction flows
• Building unit economics, pricing assumptions and financial-performance measures
• Selecting PCI DSS, fraud, dispute and operational controls
• Establishing governance, service levels, risk indicators and escalation routes
• Presenting implementation priorities, dependencies, decisions and success measures