Card issuing


​Nets Estonia provides card issuing services to Baltic financial sector.​

​Nets Estonia is providing card issuing services not only to the whole Estonian financial sector, but also to several financial institutions on Baltic level and is expanding fast. We possess the required know-how and skills to carry out most complex card issuing projects in cooperation with VISA, MasterCard or Amex as well as implementing loyalty card schemes. For the issuing and personalization of the cards we are able to integrate with literally any card personalization company, be it TAG Systems, Trüb Baltic or any other.

The company provides full range or card issuing services:

  • ​card (incl. contactless cards) issuing and personalization services in cooperation with personalization companies;
  • project management and testing towards card schemes;
  • processing of card authorization and settlement messages and calculation of the net positions;
  • loyalty card solutions for the merchants and shopping centers;
  • transaction monitoring , cardholder notifications via SMS about suspicions transactions and chargeback processing;
  • stand-in service;
  • card PIN delivery solutions, including PIN-by-SMS;
  • one-time PIN solution for 3D Secure transactions in the internet;
and more.


The range of services is constantly being updated.