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Q: Who makes Credit Cards? ( Answered,   0 Comments )
Subject: Who makes Credit Cards?
Category: Miscellaneous
Asked by: jared0326-ga
List Price: $100.00
Posted: 16 Nov 2006 15:04 PST
Expires: 16 Dec 2006 15:04 PST
Question ID: 783402
I've got some credit card inventions that I'm looking into and I am
hoping you might be able to help me complete some of my market
My query begins with that there are thousands of banks who issue credit cards.
Those credit cards will carry the brand of companies like MasterCard,
Visa, American Express, etc.
All of those cards have to somewhere be made, packaged with the
appropriate letterhead, and then mailed to the end consumer.
Who makes the credit cards? Is it the banks? Is it the credit card
companies? Is there some sub-contracted rectangle plastic puncher who
makes all the credit cards of the world?
Once the credit cards are made, how do they get packaged? Do the cards
get sent back to the company who placed the order or are they sent
directly to the end consumer from the manufacturer?
I need to know the answers to all of these questions along with the
names of the companies so that I can get clear on who is the best
company for me to be licensing my invention to. Who in the world of
credit is actually driving the market? You know what I mean?
Subject: Re: Who makes Credit Cards?
Answered By: bobbie7-ga on 17 Nov 2006 12:05 PST
Hello jared0326,

Major players in the credit card manufacturing market

Leading card manufacturers provide personalization, fulfillment and
distribution services.

Card personalization occurs at the end of the manufacturing process
when information, specific to each cardholder, is loaded onto the

Oberthur Card Systems 

World leader and number one supplier of Visa and MasterCard payment cards.

?With sales above 600 million dollars in 2005, Oberthur Card Systems
is one of the world?s leading providers of card-based solutions,
software and applications including SIM and multi-application smart
cards as well as services ranging from consulting to personalization.?

Oberthur Card Systems is a Key Player in the Payment Market

?20 years of working with more than 5,000 financial institutions
throughout all five continents has enabled Oberthur Card Systems to
develop a methodology specifically geared towards helping institutions
migrate to EMV and facilitating the launch of new value-added
services. Today, the Group is one of the leading suppliers of Visa and
MasterCard payment cards.?

?Personalizing 400 million payment cards annually from more than 20
personalization centres globally, Oberthur Card Systems is also the
world leader in this market and has unrivalled know-how, recognized by
the world's largest financial institutions.?

#1 supplier of Visa cards 

#1 supplier of EMV (MasterCard/Europay, Visa) cards

Oberthur is the only global supplier to offer the full Visa product portfolio 

?Thanks to its global reach, Oberthur, which is also certified by the
Visa Manufacturing Network is able to meet Visa members' needs for
manufacturing and personalization services to be delivered locally.?

With 4 personalization bureaus in the U.S., Oberthur can provide
reduced mail times for your customers.

Personalization , Fulfillment Insertion Mailing and Bulk Distribution

End to end card provider

Member Profile: Oberthur Card Systems

CPI Card Group

CPI Card Group has largest card production capacity in the United
States, second largest in the world

?From conventional plastic cards and  financial cards to
personalization and card designs Every year, CPI produces hundreds of
millions of cards for clients. CPI is is certified by Visa,
MasterCard, Discover, Diners Club and American Express for secure
financial card production. We are also certified by Proton and fully
certified to embed, pre-personalize chip cards for VISA and

?Our services include card designs, ink-jet printing, thermal
graphics, personalization, affixing, fulfillment and distribution.?

Financial Cards

?CPI Card Group, a world leader in plastic card manufacturing for over
20 years, offers a single source for plastic cards from foil cards and
holograms, to translucent and smart cards with services that includes
card design, manufacturing, personalization, fulfillment and mailing.
CPI?s two ISO 9001:2000 certified sites include CPI Card Group ?
Nevada, Inc. in North Las Vegas and CPI Card Group - Colorado, Inc in
Littleton. The Nevada facility produces high-quality, general-purpose,
magnetic stripe and smart cards for many applications, such as retail,
gift, access, membership, healthcare, phone, frequent use, ID, gaming,
ATM, oil, library and insurance, plus custom promotional items. CPI
Card Group - Colorado, Inc. specializes in distinctive financial
cards, and has Visa, MasterCard, American Express and Discover


Fully certified by MasterCardŽ and Visa and has been chosen by major
card issuers in Americas, Europe and Asia Pacific.

Gemplus now offers a one-stop option, with card manufacturing,
personalization services, packaging and shipment, either to the card
issuer or directly to the end-user.

Gemplus personalization services

?Card personalization is a sensitive, complex process that requires
knowledge and expertise to ensure success: every card needs to be
customized individually and securely on a mass production line. The
card personalization process involves data management synchronization,
electrical and graphical personalization, card carrier, packaging, and

?Gemplus Packaging Services offers financial institutions
forward-thinking solutions that contribute to the concept of the card
as a real marketing tool. From card design to delivery to customer..,?


Personix is a leading supplier of debit, ATM, and credit cards to
financial institutions nationwide.

Personix is one of the nations leading providers of card
personalization and fulfillment services to a variety of industries
including financial services, health care, telecommunications and
Start-to-finish solutions.  Save time?we will manage your project from
card manufacturing and personalization, to mail stream.
Mailing.  Personix brings a wealth of knowledge to the mailing process
including address hygiene solutions, inserting automation and
commingling mail.

Manufacturing, personalization and dispatch service

American Banknote 

?Our United States operation can arrange for the design, manufacture,
personalization, and distribution of virtually any plastic card.?


The International Card Manufacturers Association (ICMA) 

ICMA serves the global plastic card industry manufactures an estimated
six billion plastic cards annually. ICMA members are based in more
than 30 countries and they conduct business in nearly every country in
the world.

ICMA offers a directory of Card Manufacturers here:
Able Card Corporation, USA

Allsafe Technologies, Inc., USA  

Altech Card Solutions, South Africa 

American Bank Note Company, USA  

Aristos Philis SA, Greece 

Arthur Blank & Co., Inc., USA 

Austria Card GmbH, Austria 

Banner Plasticard, Inc., Philippines 

BBF Printing Solutions, USA 

Be'eri Printers, Israel 

Bristol ID Technologies, USA 

Bundesdruckerei GmbH, Germany

Canadian Card Systems, Canada

Carvajal S.A. (FESA S.A.), Columbia

Challenge Card Design Plastikkarten, Germany

CompoSecure L.L.C., USA

CPI Card Group, USA

Creative Dataproducts, USA

Cupola Plastic Cards Limited , United Arab Emirates

Custom Card Services, UK

Digicard GmbH, Austria

Digimarc ID Systems, USA

dz card (International) Ltd., Thailand 
dz card (International) Ltd., Malaysia 
dz card (International) Ltd., Philippines 
dz card (International) Ltd., India

Emirates National Plastic Industries (Future Card), United Arab Emirates

Fabrica Nacional De Moneda Y Timbre, Spain

Gemalto, France 
Gemalto, USA 
Gemalto. UK, UK 
Gemalto - Setec, Finland

Gemalto-Zhuhai Plant, China

Giesecke & Devrient GmbH, Germany

Giesecke & Devrient, Canada 
Giesecke & Devrient, USA

GrafoCard, Serbia & Monenegro

GyD Iberica, S.A., Spain

HID Corporation, USA

Huangshi G&D Wanda Security Card, Ltd, China

ID Data Systems Ltd., UK

Imprensa Nacional Casa Da Moeda E.P., Portugal

Inform Processing Services, Greece

Inplastor AB, Sweden

Innovative Plastic Printing, USA

Interlock AG, Switzerland

Itani Printing and Trading, Lebanon


KBC Corporation, Korea

Keystone Manufacturing (Plastics) Ltd., Canada

LaserCard Corporation , USA

Leigh Mardon, Australia

Magnetic Ticket & Label Corp., USA

M-Tech Innovations, India

Metaca, Canada

MK Smartcard Joint Venture Company, Vietnam

NOVO GmbH, Germany

Novacard Informations Systems, Germany

Oberthur Card Systems, USA

Pentagon Graphics, Canada

Perfect Plastic Printing Corp., USA

Perm Printing Factory of Goznak, Russia

Permalith Plastics, USA

Personix - Nashville, USA

Pikappa S.P.A , Italy

Placard Pty. Ltd., Australia

Plastag Corporation, USA

Plastic Card Enterprise Ltd., Ukraine

Plasticard-Locktech International, USA

Plastic Graphic Co., USA
PRINC D.O.O., Croatia

Prism Holdings Pty Ltd., South Africa

Publicenter Spa, Italy

Rosan Finance, Russia

S.A.E.T.I.C., Spain

Sagem-Orga, Germany

Sagem Orga do Brazil S/A, Brazil

Sandia Imaging, USA

Sokymat, Switzerland

SPEKL Ltd., Ukraine

SSI Technologies, USA

Taiwan Name Plate Co., Ltd., Taiwan

Teraco, Inc., USA

Tianjin Global Magnetic Card Co., Ltd., China

Trüb Switzerland, Switzerland

Versatile Card Technology, Inc., USA

A printed Directory of these member companies is available. The
Directory includes complete contact information, as well as
descriptions of each company's products/services. The Directory is
available to anyone at a member company at no charge. Non-members can
purchase it for $500. Contact to obtain a copy.

Personalization Companies

These companies personalize manufactured cards

?	CARDSource, USA 
?	Card Personalization Solutions, USA 
?	Communication Corporation of America, USA 
?	Canadian Bank Note Company, Canada 
?	Card Fulfillment Services, CFS, USA 
?	Digital Vision Resources Group, USA 
?	EFT Source, USA 
?	Global Card Services, USA 
?	InTech Direct, Inc., USA 
?	Ontime Companies, USA 
?	Personix, USA 
?	Pittsburgh Embossing Services, Inc., USA 
?	Stralfors Card Solutions, Sweden 
?	Yoonison B.V., Netherlands 

Links to these companies are available ehre:

Additional information

Contactless Smartcard Life Cycle 
Figure 2 : (page 14)
?This figure introduces the roles rather than the actors or companies.
A single company may play several of the roles described (e.g. the
smartcard manufacturer may design the operating system and do the
Download here:

Search terms:
Credit card manufacturers

I hope the information provided is helpful!

Best regards,
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