Card Program Management
Launch a premium card program without building the infrastructure.
Roman Rewards acts as your program manager — handling card issuance, processor integration, loyalty engine, and fulfillment catalog so your team focuses on your clients, not the plumbing.
Two ways to structure your program
Roman as Program Manager
Roman Rewards manages the card program end-to-end — handling processor relationships, BIN sponsorship, compliance, and platform operations. Your institution focuses on the client relationship.
Roman as Technology Partner
Your institution retains program manager status. Roman Rewards provides the loyalty engine, fulfillment catalog, and technical infrastructure as a managed service layer.
Built on enterprise-grade processing infrastructure
Roman Rewards maintains established relationships with leading card processors and BIN sponsors — enabling faster program launch and reduced technical complexity.
Lithic
Modern card issuing API. Fastest route to BIN issuance with streamlined due diligence.
Galileo
Enterprise-grade processing infrastructure trusted by leading fintechs and financial institutions.
Visa
Full Visa implementation support including intake, scoping, configuration, testing, and launch.
Custom
Working with an existing processor? Roman Rewards integrates into your current infrastructure.
From contract to launch — a structured path
~30 days
Scoping — requirements gathering, API mapping, integration architecture definition.
~40 days
Configuration — platform setup, program rules, storefront configuration, benefit stack.
~10 days
Testing — end-to-end transaction testing, redemption validation, edge case coverage.
~40 days
Production Readiness — compliance review, KY3P assessment, final stakeholder sign-off.
~5 days
Launch — phased rollout with dedicated implementation support.
~15 days
Post-Implementation — performance monitoring, issue resolution, optimization.
Timelines are estimates and vary based on program complexity, processor selection, and institutional due diligence requirements.
Trust & Compliance
Enterprise-Grade Security & Fraud Prevention
7-layer security architecture, real-time fraud detection, and institutional-grade compliance. Built to pass the vendor risk assessments of top U.S. banks and financial institutions.
PCI DSS Compliance
- •Annual AOS attestation to PCI DSS
- •Audit period: June 1 through May 31
SOC 2 Type II
- •Annual AOS attestation to PCI DSS
- •Audit period: June 1 through May 31
ISO 27001
- •Annual surveillance and recertification audits
- •Covers information security management systems
Industry-Leading Fraud Prevention
Proprietary controls, AI-powered detection, and dedicated fraud teams, protecting every transaction across your program.
Preventive Proprietary Controls
Managed blacklists of suspicious addresses, phone numbers, and emails. Referential data sourced through industry, government, and historical channels.
AI-Powered Fraud Detection
Real-time transaction validation through Equifax Kount Command. Customizable machine learning designed to automatically detect, prevent, and monitor fraud before transactions finalize.
Operational Fraud Oversight
Sophisticated transaction analysis, monitoring, and alerting. Threshold-based alert rules customizable to program needs. Dedicated fraud practitioners segregated from other operational teams.
Augmented Authentication
Industry-leading third-party automation for user authentication. Proactive controls including credit card BIN restrictions, redemption anomaly detection, and 24/7 order review.
Why It Matters
Meet strict vendor risk requirements of top U.S. banks, financial institutions, and Public Companies
Enterprise-sourced, meeting PCI DSS and KY3P assessments
Industry-leading fraud prevention with real-time transaction validation through Equifax Kount Command
7-layer security architecture: perimeter, network, endpoint, application, data, policy, and monitoring