Spot UV
Selective high-gloss varnish over matte, catching light on logos and patterns.
Cards innovation partner
Card production and personalization, made in full.
Modupay designs, manufactures, personalizes and delivers payment cards across the Middle East and Africa — from a card factory and personalization bureau in Cairo to bureaus in Ghana and Kenya. One partner from artwork approval to the card in your customer's hand.
3 decades in card manufacturing170+ banks & fintechs served40+ countries
modupayRecycled
•••• 8830
EverydayPrepaid
modupayMetal
4••• •••• •••• 2044
Private clientSignature
modupayPVC
5••• •••• •••• 0117
EverydayDebit
5 stages
Design, manufacture, personalize, package and deliver under one contract and one SLA
7 substrates
Metal, PVC, recycled PVC, translucent, LED, fluorescent and fragrance card bodies in production
4 methods
Laser engraving, drop-on-demand printing, embossing and indent printing on the same line
Same visit
Instant issuance puts a named, active card in the cardholder's hand at the branch counter
Why Modupay
A cards innovation partner, not a card printer.
Most issuers stitch together a manufacturer, a bureau, a courier and a processor. Modupay runs all four as one modular service — so a card program launches once, not four times.
01
Certified manufacturing
Chip embedding, lamination and finishing in a scheme-approved, access-controlled facility with full material traceability.
02
End-to-end delivery
Design, produce, personalize, package, dispatch and track — one contract, one SLA, one point of accountability.
03
Premium innovation
Metal, translucent, LED and recycled substrates with foil, spot UV and colour-core finishes that survive real production tolerances.
04
Regional presence
Teams on the ground in Egypt, Ghana, Kenya and Libya — local logistics, local regulators, local turnaround times.
The production line
Five stages, one owner.
The production line — select a stage
Artwork that survives the press
Our design team works from your brand guidelines to a production-ready file — bleed, chip window, hologram placement, contrast for embossing, and scheme artwork rules checked before submission.
Scheme artwork reviewDigital proofPhysical sample
Proof 03
Artwork approval
Draft → digital proof
Sample
modupay
Proof · v4
Spot UV + foil
Design Lab
We design it the way we'll build it.
A concept only counts once it holds up on the line. Our Design Lab develops your card with the production team in the room — so finishes, substrates and scheme rules are resolved before tooling, not after the first reject batch.
Concept
Segment-led directions with real substrate and finish options costed up front
Proof
Digital proofs, then physical samples produced on the same equipment as the run
Approval
Scheme artwork submission handled by our team, with revisions tracked to sign-off
Innovation portfolio
Choose the card, then choose the story.
Seven substrates in production, each with its own segment logic. Open any card for materials, lead-time and use-case detail.
Premium card experiences
Finishes you can feel through the sleeve.
Seven production finishes, layerable on most substrates. Hover or focus a tile to see the effect behave.
Gold foil
Hot-stamped metallic gold for logos, edges and typographic detail.
Silver foil
Cooler metallic register that reads as precision rather than luxury.
Rainbow foil
Iridescent holographic foil that shifts hue with viewing angle.
Silk screen
Dense screen-printed ink for flat, saturated blocks and tactile texture.
Colour core
A contrasting inner layer that shows as a coloured edge around the card.
Glow
Photoluminescent elements that hold light and read in the dark.
Layer them
Most finishes combine — foil over silk screen, spot UV over colour core. Ask for a sample set.
Precision personalization
Four ways to put a name on a card.
The personalization method sets the look, the durability and the cost per card. We match it to the substrate and the segment.
Laser engraving
Data burned into the card body rather than printed on it — permanent, tamper-evident, and the standard for metal cards.
Metal · premium PVC
Drop-on-demand printing
Full-colour inkjet personalization for photos, variable artwork and per-cardholder designs, without new tooling.
Variable data · full colour
Embossing
Raised characters with tipping colour — the familiar tactile finish, still required by some acceptance environments.
Raised · tipped
Indent printing
Recessed characters, typically on the reverse, for CVV2 and service data that must stay legible for the card's life.
CVV2 · reverse data
Instant card issuance
Account opened. Card in hand.
In-branch personalization lets your team issue and activate a live debit or credit card during the same visit — the same EMV data preparation as our central bureau, executed at the counter.
For the bank
- Activation on day one instead of week two
- No card stock sitting in courier networks
- Fewer undelivered and returned cards
- Branch visit converts into a spending customer
For the cardholder
- Leaves the branch able to pay
- Named, personalized card — not a temporary one
- Immediate replacement for lost or damaged cards
- PIN set in-app, by IVR or by mailer
modupayIssued
•••• 0042
N. MensahDebit
In-branch issuance · live EMV personalization
modupayRecycled
•••• 8830
EverydayDebit
Sustainability
A greener card body, without a new issuance process.
Recycled PVC cards perform identically at the terminal and on our personalization lines — so switching a portfolio is a materials decision, not a migration project.
Mastercard
Sustainability recognition
Acknowledged for recycled card production in the region.
Questions issuers ask
Card production, answered.
What is card production and personalization?
Card production is the manufacture of the physical payment card — printing, lamination, chip embedding and finishing — while personalization is the secure application of cardholder and EMV data to that card, including chip data preparation, laser engraving or embossing, and PIN issuance. Modupay provides both as one service across the Middle East and Africa.
Where does Modupay manufacture and personalize cards?
Modupay operates a card factory and EMV personalization bureau at its Cairo headquarters, with regional personalization bureaus in Ghana and Kenya. Cards have been exported to more than 170 banks and fintechs across 30+ countries.
Can Modupay personalize cards issued on another processor's platform?
Yes. Personalization is available as a managed service for centralized volumes, independent of where the card portfolio is processed. Issuers already on Modupay's platform gain tighter integration between issuance, personalization and fulfillment.
What card types can Modupay produce?
Dual-interface and multi-application EMV cards, metal cards, recycled PVC cards, translucent cards, LED cards, fluorescent and fragrance cards, Braille and notch cards for accessibility, and wearables such as wristbands and payment stickers.
How does instant card issuance work in a branch?
Pre-manufactured card stock is held at the branch and personalized on a desktop or kiosk device at the moment of issuance. EMV data preparation runs the same way as in the central bureau, so the cardholder leaves with a named, active card and sets a PIN by app, IVR or mailer.
Talk to us
Launch your next card program with one partner.
Bring us a segment and a launch date. We'll bring substrate options, sample cards, lead times and a production plan — modular, scalable, smarter.
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