PowerCARD-Issuer offers complete services for the issuance, management, and processing of all types of payments (credit, debits, prepaid, etc.). PowerCARD-Issuer was designed to support all types of issuers: small, large, global financial institutions, banks and credit companies, private card processing companies, retailers, and credit companies. The system supports multi-currency, multiproduct, multi–institution, and multilingual capabilities. It also manages card portfolios in different countries and for different issuers from a single global platform. PowerCARD-Issuer's rules-based engines enable modernization of financial institution's payment systems. They can achieve origination from any channel or format. Advanced workflow design is also available to improve the collection of payment information. The powerCARDIssuer architecture allows for configurability, access and use of information that is not possible in a more rigid environment.