IPBS Mastercard Debit

IPBS / Mastercard Debit

Mastercard Debit

The IPBS platform offers native Mastercard debit processing, enabling private banks and wealth managers to issue and manage debit card transactions directly against client deposit accounts. This enables the transactions to be fully managed within the IPBS private banking and wealth management platform. Developed in collaboration with a licensed issuing bank and leading payments specialists, this new capability allows financial institutions to deliver modern debit card services with real-time account visibility, transaction authorisation, and settlement, fully aligned with Mastercard network requirements. How it works When a cardholder makes a purchase or ATM inquiry, the IPBS debit processing module manages the full transaction lifecycle in real-time.

The interface supports all cardholder interactions, from simple ATM balance enquiries to complex retail purchases and multi-payment transactions.

Key Benefits for Cardholders
No cost of money Transactions use the cardholder’s own funds, there is no interest and no borrowing.
Spend up to available balance No predefined credit limits beyond account availability.
Real-time balance enquiriesAvailable via ATMs and reflected instantly after each transaction.
Immediate transaction visibility Purchases and withdrawals update balances in real time.
Single, unified account statement Debit card activity appears seamlessly within the bank account ledger.

Key Benefits for Banks
Native IPBS integration Debit card processing is fully embedded within the IPBS core platform.
Mastercard-compliant transaction handling Designed to meet network timing, authorisation, and security requirements.
End-to-end transaction control Manage authorisations, declines, inquiries, and settlement centrally.
Proven issuer-ready architecture Built for institutions licensed to issue Mastercard debit and credit cards.
Scalable, future-ready payments infrastructure Supports expansion into premium debit products and enhanced card services.

Built for Real-Time Payments at Scale

Developed with guidance from leading payments technology partners, the IPBS debit interface is engineered to:

Process high volumes of authorisation requests
Respond within strict network time limits
Handle complex retail and ATM transaction flows
Maintain continuous synchronisation with client account balances

The result is a robust and proven Mastercard debit card processing capability that can manage live debit card programs and real-world transaction volumes.

Developed For

Asset & Fund Managers
Insurance Companies
Law Firms
Commercial Banks
Other Banks with tedious compliance procedures
Trust Companies
Real Estate Firms

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