Cards and Payments

The rapid adoption of digital and contactless payments and mobile wallets is reshaping consumer expectations, while cards are evolving into multifunctional, data-rich financial instruments.

Winning in this environment takes more than new products: it requires AI-first payment operations that can optimize authorization, manage fraud risk in real time, improve straight-through processing, and maintain compliance at transaction scale.

At Coforge, our services support the full cards and payments lifecycle, embedding AI into the decision points that matter so you can modernize and innovate without disrupting your existing platforms.

Core System Consolidation and Modernization

Coforge enables the shift to holistic, intuitive, and context-aware payment experiences with an AI-enabled modernization process powered by Codeinsight.ai, Forge-X, BlueSwan, and contextual AI maps.

We modernize core systems progressively and safely, embedding governed, auditable AI directly into your payment and card estates without introducing proprietary AI platforms or creating long-term platform dependency.

Our accelerators and ready-to-use process mapping deliver end-to-end business process visibility, and we implement quality engineering practices built for high-volume, low-latency, mission-critical platforms and ecosystems.

Embedded Finance

Coforge’s AI‑First embedded finance approach is powered by the Coforge Quasar™ AI platform, which infuses intelligence into every financial interaction. We help banks, fintechs, merchants, and digital platforms transform embedded finance from a transactional capability into a strategic growth engine.

Coforge Quasar™ enables you to operationalize AI across payments and financial services through four main modules:

AI‑First Cards and Payment Processing

Coforge improves efficiency and customer experience with next‑generation payment processing services powered by the Coforge Quasar AI platform.

We support the complete card payment lifecycle at scale, using Quasar’s decision intelligence and cognitive automation to enable faster approvals, reduced false declines, and straight‑through processing.

We address fraud and disputes proactively, with real‑time fraud detection, automated chargeback handling, and actionable insights to reduce future losses. Our services also ensure continuous availability, SLA adherence, and regulatory readiness with AI-driven IT operations and compliance intelligence.

Leading global banks and payment providers trust our comprehensive, AI-first card services to provide secure, scalable, future‑ready card payment experiences.

Stablecoins and Payment Tokenization

Coforge has developed deep expertise in enabling stablecoins as a payment method, helping financial institutions launch services including reserve maintenance for stablecoin issuers, deposit token issuance and maintenance, and connections to stablecoin networks.

We also help businesses open non-custodial wallets on stablecoin networks, mint, transfer, and burn stablecoins across different use cases.

We have created process and accounting frameworks for deposit tokens and stablecoins, and established interoperability between fiat payment schemes like FedNow, US RTPS, Zelle, and stablecoin networks.