Payment card issuers require modern card programs.
They need a modern card issuing platform to launch state-of-the-art card programs that precisely match their use cases. That’s exactly what Thales D1 delivers.
Thales D1 Platform: the modern card issuing solution
Thales D1 is a modern card-issuing platform that combines banking core systems with state-of-the-art digital components.
Thales D1 offers seamless mobile and web access to a wide range of user-centric digital and physical services.
The platform helps issuers combine new features and connect to their infrastructure effortlessly.
The result?
Issuers can launch modern card programs in record time!
Thales D1 includes :
- A unified D1 SDK to deliver a modern mobile app and web interface and a complete orchestration of the entire card issuing stack. It integrates all card-issuing resources for tokenisation, HCE, and card personalisation seamlessly with additional resources such as SCA (Strong Customer Authentication), and banking core systems such as CMS (Card Management System).
- Real-time digital card issuing and management interfaces with CMS and core banking systems support card issuance, activation, transactions management, account management, and fraud management.
- UX-level guidelines to comply with PCI DSS for all data flows, display, storage and life cycle management.
- Logs and monitoring tools to follow product launches and their adoption step by step.
Through the Thales D1 platform, issuers can provide their customers with a complete modern card portfolio and all the associated services.

Schedule a meeting with one of our Thales D1 platform experts for a live demo and see how Digital First will meet your needs
Contact our experts or book a demo!How does the Thales D1 platform work?
Thales D1, with its cloud-native design, UX- level APIs and unique D1 SDK, helps issuers launch new services quickly and cost-efficiently.
Thales D1 is a modern card-issuing platform assembling banking core systems with modern digital components: Mobile and web seamlessly access a wide range of user-centric digital and physical services.
The solution manages payment networks connectivity and the entire card issuing stack orchestration to provide:
- payment network integration,
- real-time issuance and notifications,
- security certifications and regulations compliance.
Thales D1 benefits
Issuers adopting the Thales D1 platform will measure positive impacts in four crucial domains:
Cost optimisation:
- Mobile onboarding removes the need for paper forms
- Virtual and digital card issuance means no more fulfilment
- Rationalisation of bank branch workload due to fewer customer service touchpoints slashes operational costs
Fraud reduction:
- Secure Customer Authentication & 3-D Secure improve online payment security
- Click to Pay prevents card skimming attacks at eMerchants
- Tokenisation push to merchants protects card data
- In-app payments using a digital wallet secure eCommerce
Customer Acquisition:
- Customers trust their secure mobile branch
- Seamless onboarding stimulates new cards applications
- 24/7 services
- Mobile app increases new service discovery
Customer Engagement:
- Top of wallet effect stimulates card usage
- Virtual card and 3-D Secure simplify online shopping
- Rewards programmes increase customer loyalty
- New value-added services can be available as instalments, Click-to-Pay
Why adopt Thales D1?
All card issuers will agree on the need for modern card programs and the necessity to modernise their card issuing platform.
The only question is how to build it: internally, via several partnerships or a single, proven partner.
Thales D1 can fasten time to market and costs by a factor of 2 simply by managing all the complexity with a proven recipe:
- Streamline tasks: when developing a modern card issuing platform with multiple CMS systems and multiple payment scheme tokenisation services, there is an intense duplication of tasks as APIs differ from provider to provider. Thales D1 provides a simple, UX-level SDK embedding with all systems APIs from all resources providers. Thales is also managing frequent API updates, integration and certification of new services for all partners. Thales D1 accelerates the card-issuing platform's new services, onboarding and time to market. It removes complexity by orchestrating the entire card issuing stack.
- Regulation compliance (PCI DSS/GDPR): Data flows, storage and overall life cycle need to comply with standards and regulations that strongly impact the UX and the mobile UI. Without a solid experience in that field, time to market and cost will be drastically affected.
- Orchestration of the card-issuing stack: real-time card issuance and associated services require deep interactions across the entire card issuing stack. Thales D1 solves that complexity with a unified SDK that manages all resources for the app developers. Implementing our UX-level APIs results in a 50% reduction in deployment time.
In other words:
Issuers can now adopt new technologies and development practices and focus on delivering a first-class user experience with a mobile-first mindset.
Thales removes complexity by connecting to your existing infrastructure leveraging your CMS and core banking assets to absorb all the back-end integration complexity.
You can focus on delivering the best user experience in your banking app.
Documents

The new technology trend: Thales card API for banks, issuing processors and wallet providers to deliver their modern card programs
Download our whitepaper
Instant in-branch payment card issuance in the Digital First era
Learn more on the value and importance of putting instant, on-the-spot issuance at the heart of a unified and uniform payment card infrastructure.
Read our white paper
Five key reasons to roll out your digital first banking and payment services
Drive a convenient & mobile-centric experience to your customers with Thales Digital First.
Read our infographic on Digital First
A mobile experience revolution with instant, simple banking services available anytime, anywhere (e-Book)
Open a new bank account and get your first payment card in minutes, all via your bank’s mobile app
Read our eBook
Digital First and the reinvention of payment card issuance
White paper - October 2021
Download the whitepaper
How to measure success for a modern digital first card program deployment?
Read our infographic