3 Ways Push Provisioning Works to Elevate the Digital Payments Experience

April 25, 2023

Extend your central and instant issuance strategy with a complementary digital payment solution to give cardholders the convenience and options they want.

In February 2020, Aite-Novarica Group issued a study of 34 retail banking associates and card services executives that said: “Multiple issuers refer to instant digital card issuance as an alternative to in-branch instant issuance. However, issuers with in-branch instant issuance see this innovation as a complement to, and not a replacement for, issuing cards in the branch.”

Today’s consumers want choice and convenience when it comes to their payment methods. And, creating a smooth and seamless experience for cardholders is critical. Adding digital card issuance to an existing instant issuance solution can round out a strong card-issuing strategy and provide a great customer experience by offering the options cardholders want.

How Push Provisioning Differs from a Digital Card

To fully understand push provisioning, issuers must first recognize its distinct properties.

Push provisioning offers a path for the issuer’s mobile app to securely “push” a payment card into the mobile wallet. Instead of having to input card information as with a physical or digital card, a customer could simply accept a push notification and provision their card into the wallet. And because push provisioning doesn’t require the cardholder to input account information, it provides an added layer of security, limiting exposure of card numbers and other details.

3 Benefits of Push Provisioning

How do these differentiating factors measure up to today’s standards? For both the issuer and the cardholder, push provisioning presents an efficient and convenient solution in three ways:

  1. Creates an omnichannel strategy:
    Combining a physical card and a digital wallet payment option can increase brand positioning and help to compete for top-of-wallet status. This enables issuers to provide cardholders with payment options that meet their needs, which in turn, may increase card usage, and ultimately the opportunity for interchange revenue. Picture of customer making a NFC payment with a mobile device
  2. Generates an efficient, quick option:
    Depending on how an issuer manages its cardholder account information, push provisioning could become an automatic process once the cardholder is approved, making it a de facto service that offers immediate gratification. In the case of a lost or stolen card, this approach could simplify replacement and provide a near real-time solution to card availability.
  3. Establishes a more secure solution:
    Because push provisioning requires tokenization, the card identification comes from the association’s (for example, Mastercard®) secure vault. This process creates a singular key or fingerprint for this card, and each transaction that originates from the digital wallet has a unique identifier, limiting the potential for fraud.

Ready to Implement Push Provisioning?

In today’s convenience-first landscape, card issuers must consider push provisioning as a component of their card issuance strategy to remain competitive.

CPI Card Group stands ready to not only provide a tailored solution but also to guide card issuers in developing a push provisioning strategy that supports cardholder preferences, maximizes revenue potential, and provides education. And that makes for a winning approach now and into the future.

To learn more about CPI Card Group's push provisioning solution, click the button below.

Rob Dixon headshot

Written by:

Rob Dixon is the Vice President, Digital & Business Development at CPI Card Group


Grow Your Revenue with Prepaid Debit Card Instant Issuance

February 21, 2023


What if you could make one change to your product offerings to potentially increase their activation and utilization, create a better customer experience, and simultaneously improve operational efficiencies?

It turns out that it’s possible. By applying instant issuance to a prepaid debit card program, payment card providers could offer immediate satisfaction to their customers and help grow their revenue in the process.

The benefits of instant issuance

For years, banks and credit unions have benefited from introducing an instant issuance strategy that creates multiple advantages for their institutions. Reducing the number of days that a customer must wait to start using a card can help drive more revenue. Industry providers suggest that nearly half of cardholders who are instantly issued cards will begin transacting on the same day. Instant issuance may also contribute to cost savings by eliminating the expense of mailing cards as well as the worry and cost of lost, stolen or damaged cards.

What’s more, instant issuance delivers increased customer satisfaction, making it an integral way to meet consumer expectations in the on-demand era. Strong customer experiences can pave the way for loyalty and more business in the future.

Prepaid debit card instant issuance comes into play

These attributes make instant issuance a strong product offering, but historically, it has been available only in a traditional banking environment. Now, given advancements in cloud-based programs, it’s becoming possible for non-bank payment card providers to offer prepaid debit card instant issuance.

Through software-as-a-service (SaaS) functionality, payment providers could cost-effectively and efficiently meet customer demand. They simply log into a secure portal, pull up their product, and print cards at their location.

This innovative card issuance solution could allow the provider to offer a card product in real-time and customers walk away with funds that are quickly accessible. Plus, the fully personalized card is designed to work with mag stripe, EMV®, and contactless terminals, so once it’s issued, it can become a primary banking tool that’s reloadable and enables the same transactional experiences as a debit card.

The immediate issuance of this personalized card may help to deepen customer engagement and drive a high level of satisfaction by becoming a permanent banking solution. In addition, it offers a solution that helps providers keep physical card costs down thanks to a reloadable feature for when customers want to add value.

A natural step in market evolution

While prepaid debit card instant issuance is an innovative offering, this combination of a prepaid card and instant issuance comes as a natural step in market evolution, combining the benefits of both. When looking to offer this solution, it’s important to have an experienced and trusted provider like CPI Card Group. We’re already a market leader in both prepaid and SaaS-based instant issuance cards and are in the process of bringing the offering to market.

Whether you're just beginning your card journey or are already engaged, instant issuance prepaid debit may not be as complex as you think. Considering the future possibilities now can help you get a leg up on your competition.

For more information on Card@Once, CPI Card Group’s instant issuance product, click the button below.

Written by:

Peggy O’Leary is the SVP Prepaid Solutions


5 Card Program Strategies to Foster Your Sustainability Goals

August 16, 2022


Sustainability goals are influencing company identity and mission statements across industries, including the financial sector.  Financial Institutions (FIs) of all sizes are setting sustainability goals, driven by a number of factors, including consumer demand for more eco-focused options. Since payment cards are a major touchpoint with customers, FIs are asking how cards can reflect those sustainability goals while also meeting cardholder preferences, which is good for business.  For example, CPI research shows that more than half (51%) of respondents would switch to a different issuer for a recovered ocean-bound plastic card with the same features and benefits*.  Two major US banks have recently announced their plans to transition to recycled plastic in their payment cards, and others, including American Express, have announced transitions of certain portfolios.

Small to mid-sized financial institutions are also paying attention to sustainability issues. In a market assessment with CPI, Mercator Advisory Group polled 106 executives of small banks and credit unions about whether their institution had a sustainability initiative and whether there was budget associated with that initiative. 84 replied that their institution did have an initiative, and 57 reported that there was budget to back it. More specifically, 77 out of the 106 reported considering sustainability initiatives specifically for their card programs.

If you’re thinking about ways of using your debit or credit card program to both extend your sustainability values statement to your cardholders and align with their interests, here are five strategies to consider.

Best Practice #1

Maintain Communication with
Sustainability Functions

One key to an eco-focused payment card program is to foster engagement between the card product and sustainability functions in your organization. Maintain ongoing, regular communication with any colleagues involved in the sustainability function as you develop the parameters of your eco-focused payment card program. In Aite Group’s 2020 study, the top 25 banks reported having a sustainability department, but the communication between the card management group and the sustainability function was lacking.

Share the ins and outs of your card program including measurable goals, positive environmental outcomes such as reduced first-use plastic, and timelines to ensure that team members share these mile markers across functions, and with the institution as a whole.

Best Practice #2

Strike a Balance on
Percentage of Recycled Content

As options for eco-focused payment cards grow, a common focal-point is to highlight the percentage of recycled content in the card body. This number may be based on factors including the type of material used in the card construction and the card design.

In general, higher percentage recycled content cards translate to a greater reduction of first-use plastic, but can have less design flexibility. The type and number of embellishments, colored substrates, and treatments (e.g., ink, foil, glitter, colored core), affect the amount of recycled content in a card. In addition, they can have other environmental impacts to consider.

Look for a solution provider that is offering a variety of recycled content percentages and card materials so that you can rely on their expertise to find the right balance of card materials for your organization.

Best Practice #3

Design to Align
with Your Brand

Design is another consideration when exploring an eco-focused card program. There’s good news for those who remember a time when choosing an “eco” payment card meant being limited to a few colors or treatments. Today’s financial institutions have many more options available for capturing their brand aesthetic.

Still, the type and amount of upcycled or recycled material used does dictate which specific design elements can be applied. Factoring in the “less is more” approach can lead to better results, and as mentioned above, result in a card that uses less first use plastic.

Vertical orientations, bold colors and experimenting with personalization are techniques that can help your card stay top-of-wallet.

Best Practice #4

Match Materials and Functionality
to Your Cardholders’ Needs

Beyond the base material used, today’s cardholder demands functionality. As the popularity and ubiquity of contactless cards grows, adopting contact and contactless dual interface chip and antenna technology can be a compelling reason for financial institutions to shift to eco-focused card materials and combine efforts into one initiative.

Best Practice #5

Find a Provider that Can
Support Your Efforts

Payment card products are the culmination of many different material inputs, so finding a provider that places a high value on more sustainable choices, and that has a track record for providing quality solutions is key. Look towards an experienced solution provider that can offer design flexibility and innovative approaches to support your goals.

*CPI Consumer Insights Study, Wave 3, conducted by an independent research firm, September 2021, n2215

CPI Card Group has sold more than 50 million eco-focused payment cards for U.S. financial institutions and Fintechs since launching Second Wave® in 2019

To start your payment journey and learn more about CPI’s suite of eco-focused payment solutions, Second Wave® and Earthwise® cards, click the button below

Terra Grantham CPI Card Group VP Strategy and Sustainability

Written by:

Terra Grantham, VP Strategy and ESG at CPI Card Group


Stay Competitive with Print-on-Demand: Establishing a Nimble Card Program

August 9, 2022


Print-on-demand personalized payment card strategies offer a way for credit and debit card programs to stay timely and targeted in an individualized market.

Personalization matters in today’s highly competitive payments landscape and has become a high priority for credit and debit card issuers. When it comes to credit and debit card programs, making this leap to customizable payment cards has never been easier. Print-on-demand programs are a fast, efficient way to offer tailored products and services, including custom carriers, labels and activation stickers. With their ease of implementation and flexible models, they present ways to engage more personally with the cardholder.  Here are three benefits of print-on-demand credit and debit card programs:


  1. Implement more timely offerings. A print-on-demand strategy Is advantageous for established issuers when it comes to issuing payment cards. Choosing from preprinted or uploaded art work on blank-white card stock can mean faster delivery timeframes. Because print-on-demand helps issuers get cards into cardholders' hands quickly following the design phase, this offering can speak directly to a timely promotional campaign.
  2. Customize per market segment. When an issuer uses a zero-inventory model they enjoy the convenience of not having to store or track inventory. It also allows for more versatility. Utilizing generic cards or blank white stock gives the issuer a choice in the number of cards and card design to support various market segment campaigns. In fact, some issuers decide to offer a different card experience for each of their target audiences, such as providing a trendier card for a Gen Z cardholder and a more traditional product for a baby boomer. A print-on-demand solution can accommodate diversity of product preference, allowing for options as unique as vertical orientation, edge-to-edge printing, four-color printing and more.
  3. Develop full-scale campaigns. Many card strategies center on the card itself. When it comes to personalization, issuers want to look at the full cardholder experience, including considerations like simplifying activation with a QR code label, designing the carrier to support cardholder engagement, shifting messaging to highlight a targeted initiative or timely topic. Overall, print-on-demand creates an opportunity to look broadly at the cycle from initial card development to fulfillment. Working with a provider who can support that entire card journey—from BIN programming and EMV® certifications to campaign fulfillment—creates an efficient way to jump into the personalization pool.

These print-on-demand tips only scratch the surface of ways to engage customers and members through personalized card solutions and fulfillment opportunities.
From card development and design to carrier considerations and activation stickers, a personalized issuance program carries with it a variety of opportunities to speak directly to a cardholder’s interests. An experienced personalization and fulfillment provider can help financial institutions navigate those decisions to develop a thoughtful strategy that incorporates personalization and fulfillment in alignment with their cardholder needs.

Learn more about CPI Card Group’s print-on-demand offerings.

Rob Dixon headshot

Written by:

Rob Dixon is the Director, Product and Business Development at CPI Card Group