# Main solutions

Pismo offers cloud-based platform solutions that enable banks, fintechs, and non-financial institutions to deliver cutting edge global financial products. These solutions share the following features:

* Extensive RESTful API library with more than 600 integration endpoints
* Auto-scaling cloud-based infrastructure
* High-availability (24 × 7 × 365), multi-region processing
* Cloud infrastructure certified for PCI, ISO 27001, and SOC II compliance
* A modern web application for managing common configurations and performing routine operations, dispute management, back office, and product management

# Card issuing

With the Pismo platform, you can quickly and easily issue debit, credit, pre-paid, white-label, and private label cards. Pismo's [card issuing system](https://developers.pismo.io/pismo-docs/docs/card-issuing-with-pismo) offers native integrations with major card networks with high security and resilience.

Card features include:

* Instant **tokenized** (virtual) card creation with flexible expiration and dynamic CVV.
* Card production integration with current templates.
* Life cycle management (billing, refinancing, revolving credit, and debt restructuring).

# Digital wallets

The Pismo platform enables you to create your own [digital wallets](https://developers.pismo.io/pismo-docs/docs/wallet-overview) to manage both buyers and sellers. You can use cards or tokens to pay from a Pismo wallet. Other features include:

* Network and proprietary tokenizations for cards.
* QR codes and other forms of token encoding.
* Granular event-based information for user behavior analysis.

# Core banking

You can use the Pismo platform to build a suite of [digital banking](https://developers.pismo.io/pismo-docs/docs/instant-payments-overview) products — from deposits and savings to loans and overdrafts. Digital banking with Pismo offers:

* Complete banking functionality, including ledgers, savings accounts, current accounts, deposits, and overdrafts.
* Spending limits and controls at the account level.
* Native integrations with credit card networks, anti-fraud services, card embossers, and other third-party providers.

# Transaction banking

While retail banks are designed to serve individuals, transaction banking focuses on transactions between a bank and a large organization, such as a multinational corporation, lending for short-term expenses and long-term investments. The [Transaction banking](https://developers.pismo.io/pismo-docs/docs/corporate-banking-overview) solution extends core banking features to meet the needs of institutional customers. Highlights include:

* Model the bank's organizational structure using a flexible hierarchy of levels and divisions.
* Manage holidays and weekends for different divisions.
* Create accounts with parent/child relationships.
* Create earmarks.
* Automatically change account statuses based on inactivity.
* Create a suspense transaction record upon authorization denial.

# Online marketplaces

With Pismo, you can create a complete transaction-processing and seller-management infrastructure for both e-commerce and in-store purchases. The platform offers a complete solution for acquiring and settlement in a multi-country, multi-currency environment. Other benefits of Pismo [digital marketplaces](https://developers.pismo.io/pismo-docs/docs/seller-management-overview) include:

* Ability to manage vendors and buyers on the same platform.
* Handle transactions from on-us and off-us merchants and settle them.
* Functions for sellers to pay their creditors using their merchant accounts.

# Digital lending

You can use the Pismo platform to create loan products tailored for your customers. With [digital lending](https://developers.pismo.io/pismo-docs/docs/digital-lending-overview), you can:

* Create personal loan products.
* Create **Buy Now and Pay Later** loan products. (BNPL divides the total purchase amount into a series of equal installment payments, with only the first installment due at checkout.)
* Manage the complete lifecycle of a loan.
* Create loan simulations.
* Perform instant booking.
* Perform instant disbursement.
* Perform loan repayment and settlement.