Be Future Ready!

Agile Digital Payments for the New Age

Card, Mobile Wallet and Loyalty Solutions

Globally, Institutions catering to retail consumers, are leveraging latest technology in digital payments as a cornerstone int their strategy to improve user-engagement, This strategy not only helps them to build loyalty but also allows them to provide superior end-user experience by simplifying the entire purchase process

Cosmic Payments will enable you to build superior and seam-less payment experience for your customers through a host of customized digital payments solutions leveraging technology. We take care of end to end implementation including integration with your systems(if required) to enable quick roll out . What’s more is that you dont need to do any capex for any of the solutions.

Why Us?


Full Payments Stack

End-to-End Delivery & Management

Cost Optimized

  • Fully Hosted Technology

  • ZERO Capex

Prepaid Solutions

Prepaid Loyalty Solutions

Having a customized Prepaid loyalty solution is a sure-shot way of building engagement with your consumer thus creating a much longer-term relationship providing you with more opportunities of doing business with them. 


  • Customized in-built loyalty solution that would enable rewarding consumers based on pre-defined rules that are flexible and easily configurable rules. Rewards can be based on event incidents or during purchase

  •  Android / iOS Mobile Application for seamless user experience and added functionality

  • API based integration with your billing / back-end systems

  • Optional Value-added services including Campaign Management and User Referrals

  • Data Analytics on user-spend behavior to drive growth in share-of-wallet


Gift Card Solutions

Digital gifting is taking over traditional gifting in a significant way. Institutions and retailers are leveraging this trend to not only enhance product offering which is in-line with customer needs but also are creating opportunities for acquiring new customers, repeat purchases while adding new lines of revenue.

  • Instant Issuance

  • Multiple Form Factors – Cards, m-Gifting (mobile), e-gifting(Email)

  • Closed Loop (used only at Merchants owned stores) or Semi-closed MasterCard/Visa/Rupay branded cards

  • Issuance in any denomination

  • Configurable validity

  • Customizable Designs

International Travel Forex Card

Provide your customers with a unique way of transacting in foreign currency in a most simple, safe and cost effective way. Now you can build your own feature-rich multi-currency multi-wallet proposition based on the segment catered by you including leisure travellers, business travel, international students or for pilgrimage


  • Manage multiple currencies with a single card

  • Feature-heavy treasury module

  • Two & Three-Way Simplified Reconciliation

  • Android / iOS Mobile Application enabling travellers to keep track of expenses, foreign exchange rates and transfer of funds between two currency wallets

  • ATM Locator

  • Rule-based Transaction Risk Management

  • Highly Secure with EMV Chip & PIN security

  • NFC / Tap & Pay

  • Include optional value-added services including Travel Insurance and International Merchant offers


Rewards & Promotion Card

Give your customers another opportunity to come-back to your stores. Cosmic’s digital payment technology enables you a flexible Rewards and Promotion solution that is simple to configure, allows for instant issuance of card to users and provides a convenient way of storing and usage.

  • Instant Issuance

  • Multi-Form Factor: Card, Virtual Card and m-Voucher

  • Allow usage only at your store (Closed loop) / Allow usage at other stores (Semi-Closed Loop)

  • Rule-Based Usage Criteria

  • MasterCard / Visa / RuPay branded

  • Flexible Usage validity

Virtual Card

More users are transacting online than ever – these transactions are both on domestic merchants as well as international merchants. Now you can provide them with a more safer option of online-only Virtual card. Users can fund the Virtual card with only limited value ensuring that risk of loss to any fraud is minimized while also preventing the primary saving account details being exposed on the internet


  • Issue Online-only card

  • Extra protection using 3D Secure technology

  • Instant Issuance

  • Can also allow Single Use card for one time usage

  • Configurable branding and marketing options

  • MasterCard / Visa / RuPay branded

Corporate Expense Management Cards

Corporates require a platform for enabling authorization, management and tracking eligible expenses. Small ticket eligible expenses carried out by large number of employees require significant operational processes and controls. Smaller and medium corporates do not want to deploy additional resources for these activities. With Cosmic Payments Corporate Expense Management Solutions suite, such expense management becomes simpler, significantly reducing operational effort and resources.


  • Solutions include Meal Card, Expense Reimbursement Card, Fuel Card, Corporate Gift Card & Business Travel Card

  • Instant Issuance

  • Easily reloadable

  • Bulk Issuance

  • Admin Control Panel and Dashboards

  • Data Analytics and Reports

Build Your Own Card

If you are looking for a specific product proposition which does not fall in any of the ones listed here, do not hesitate to give us a shout. We would love to get into a conversation for developing a bespoke prepaid solution which can be enabled with


  • Versatile card and prepaid solutions platform

  • Dynamic rule-mapper

  • Flexible program configuration

  • Real-time risk controls

  • Hosted Solution requiring no capex investments

  • Architecture supporting high availability and built-in redundancy

  • Vastly experienced Payments team

Send a mail to with a brief synopsis of the requirement and we promise you to connect with you within 24hrs

© Cosmic Payment Solutions LLP 2020