DTS offers end-to-end solutions for issuers to launch, manage and scale credit card issuance, activations, usage and collections, and build a profitable portfolio. Your customer spends a new virtual credit card on the debit card they already carry.
Unified Financial Operating System for Banks
Dual Transaction Service (DTS)
Switch to credit with DTS, an innovation that enables credit card usage from the debit cards customers already hold with you. Your bank earns credit income from the first purchase.
Instant issuance of virtual credit cards
The card appears in the app as soon as the limit is approved.
Use existing physical debit cards
With the patented DTS, the debit card customers already carry spends on the virtual credit card.
Secure online payments
Every virtual card pays online with a dynamic CVV.
Credit card lifecycle management
Statements, repayments and card controls, all in the app.
Customers get easy access to their virtual credit card details for online payments, repayments, transaction history and credit card statements, right in your app.
Bring Duality to
Your Debit Card
The debit card your customer already carries now works as a credit card too. DTS links it to their new virtual credit card, and at any POS or ATM the customer chooses which side to spend from.
Patented Dual Transaction Service
Debit side
Spend from the account
The customer selects Savings or Current, and the payment comes from their account, as it always has.
Credit side
Spend on the credit limit
The customer selects Credit, and DTS processes the payment on the virtual credit card’s limit, routed through you as the issuer.
- No new card: the debit card already in the wallet
- Works with your debit cards on any card network
- A renewed debit card is relinked to the same credit line
- Online, the virtual credit card pays with a dynamic CVV
- Repayments and statements in the app
With the Super SDK, IMS, our Institution Management System on your premises, finds the customer’s debit cards on your core and links them to the credit line.
What Your Bank
and Customer Gain
Your bankYour customer
SpeedYour bankA credit card live the moment the limit is approvedYour customerPays on credit within seconds of approval
The cardYour bankCredit on every debit card you have already issuedYour customerTheir own debit card, now with credit
ReachYour bankAny POS or ATM that offers CreditYour customerAny POS, ATM or online, with a dynamic CVV for online payments
Income and termsYour bankCredit income from the first purchaseYour customerGrace from the first cycle; repay in full or the minimum in the app
Lasting Value for Banks Across Africa
BALANCE manages credit card accounts, with card lifecycle management that includes credit card repayments, card control settings and access to credit card statements. Commercial banks keep their own core, where IMS maps debit cards for DTS and posts each repayment.
Each virtual card issued on UNIFOS comes with a dynamic CVV for every online payment. Verifyed qualifies the customer for credit at KYC Level 3, with liveness and face match, and its soft token gives 30-second codes that work offline.
Boost digital adoption with Rewa, a tailored loyalty programme that credits usage-based points to a dedicated rewards account. Customers track and redeem their points directly in your app.
Offer instant virtual credit cards for both online and offline payments. Customers open the virtual credit card in your app and pay online with a dynamic CVV. DTS lets them use the virtual credit card through the physical debit cards they already have.
Ace, our AI Credit Exchange, supports the full lifecycle of credit products, from instant origination and disbursement to loan management and collection of due and delinquent payments. It sets each credit limit by checking your rules, an AI Checker and the credit bureau.
Our patented Dual Transaction Service turns the debit cards your customers already hold into a way to spend on a virtual credit card.
Explore More of Our Solutions
BALANCE · Digital Banking
UNIFOS powers a full-featured digital account ecosystem: digital banking and every use case of account management for credit and prepaid cards, loans and rewards. Run it in your own Standalone App or inside your existing app through the UNIFOS Super SDK.
Know More
Accepto · Merchant Acceptance
We give you the tools and infrastructure to onboard merchants instantly, accept dynamic QR, SoftPOS, POS, payment links and online checkout, and manage terminals from one secure dashboard.
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Instacard · Virtual & Universal Cards
We equip you to issue virtual debit, credit, prepaid and gift cards instantly. Customers pay online and contactless in the app, and link their virtual cards to a single physical Universal card for offline payments, relinked any time.
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Ace · AI Credit Exchange
We help you build and scale a profitable lending portfolio, from three-way underwriting to loan disbursement and recovery, all managed on one compliant system.
Know More
Verifyed · KYC & Soft Token
We make identity verification effortless with facial recognition, liveness detection and two-factor authentication, so you onboard customers securely and at scale.
Know More
Rewa · Loyalty Management
We enable you to design, launch and manage loyalty programmes that reward usage, increase customer engagement and give real-time visibility of earned points.
Know More
Frequently Asked Questions
DTS is a patented service that lets pre-approved customers spend the credit limit of a virtual credit card using their existing debit cards. DTS is on by default wherever the bank already holds debit cards for the customer, so they simply choose “Credit” at a POS or ATM that offers it, and the payment is made from the virtual credit card limit.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.