Debit Card Issuance

Debit card issuance built for sustainable, long‑term growth

Your debit program depends on more than reliable card production. To perform well and scale responsibly, you need secure, compliant debit card issuance that works seamlessly with payments processing — giving you the speed, control and insight to operate efficiently.

Peregrine™ delivers modern debit card issuance within a fully integrated payments processing environment. EMV^® chip technology, contactless payments, real‑time activation and virtual debit cards all operate within a single, resilient platform — helping you simplify operations and maintain consistency across the entire card lifecycle.

By opting to use SHAZAM’s card customization services, you gain end‑to‑end control over how cards are issued and managed. CardCreate^® delivers secure, scalable debit card production, fulfillment and lifecycle management, while myPic Studio^® supports secure, compliant debit card personalization. Because both platforms integrate directly into the Peregrine™ issuing workflow, card customization becomes a strategic capability — not an operational challenge.

Built for highly regulated environments, Peregrine™ supports banks, credit unions, fintechs and specialty issuers looking for strong oversight and dependable performance. With more than 15 million cards in circulation and over 1 billion transactions processed annually, Peregrine™ delivers proven reliability across every stage of debit card issuing.

A card issuance provider focused on your profitability

“SHAZAM helped us introduce a national branded debit card at a fraction of the cost others quoted. Partnering with SHAZAM for debit card issuance saved us more than $23,000 the first year!”

Robert Mayfield, President & CEO

Fleur De Lis Federal Credit Union — Metairie, LA

Integrated by design to strengthen every part of your debit program

Today’s debit programs are interconnected by nature. Issuance, processing, fraud controls, operating models and performance insight all work best when they’re managed together rather than across disconnected systems.

Peregrine™ brings all these functions into a single, integrated platform — connecting debit card issuance, activation and payments processing in real time. By eliminating data silos and system handoffs, you gain clearer visibility, faster response and stronger operational control across the entire debit lifecycle, enabling risk management, issuing flexibility and analytics to perform more effectively.

Built-in fraud management

Fraud prevention works best when it's part of the platform, not an add‑on. Peregrine™ embeds advanced fraud management directly into issuance and processing, delivering real-time risk detection, fewer false declines and comprehensive protection across the debit lifecycle.

Smarter dispute resolution

Disconnected systems can drain time, resources and cardholder trust during disputes. Peregrine™ unifies transaction data, case management and reporting into one connected environment for issuance and processing, so you can respond faster and resolve cases more efficiently.

Real‑time, actionable insight

Issuing cards is only the first step. To keep your debit program running smoothly, you need immediate visibility across your portfolio. Peregrine™ delivers real‑time activation, usage and transaction data, helping you quickly identify trends and optimize performance.

Scalable production & control

Secure, scalable production and lifecycle management are essential to a strong debit card issuance program — whether you issue instantly at the branch or through centralized fulfillment. But bulk inventory, print forecasting and vendor handoffs can quickly add administrative strain. CardCreate by SHAZAM removes that friction, turning debit card customization into a sustainable capability instead of an ongoing challenge.

Built for custom debit card programs, CardCreate integrates directly with Peregrine™ to streamline production, fulfillment and lifecycle management within a unified processing framework. You maintain control over issuance timing, design standards and portfolio execution — without managing excess inventory or expiring chip stock.

CardCreate supports:

Flexible, white‑label debit card branding
Secure production across consumer, business, ATM and HSA portfolios
EMV chip and contactless-enabled debit cards
Branch-based instant issuance or centralized fulfillment
End‑to‑end lifecycle tracking and audit readiness

By aligning production with real‑time demand, CardCreate helps keep your debit card program efficient while maintaining visibility and operational control.

Engaging & secure personalization

Debit card personalization is no longer a marketing enhancement — it's a portfolio growth strategy. When cardholders feel connected to their cards, usage increases — supporting interchange growth, strengthening top-of-wallet positioning and improving long-term portfolio value.

With myPic Studio, you can support secure, compliant debit card personalization that integrates directly with Peregrine™ — so all cardholder-led personalization flows through controlled workflows where you can protect brand standards and compliance requirements.

myPic Studio supports:

Personalized debit card programs with photo uploads
Business logo debit cards
School, nonprofit and affinity debit card programs

Debit card personalization can be a powerful engagement tool — but only when it’s managed securely. myPic Studio enables integrated card personalization services so you can convert visual differentiation into measurable performance.

Virtual cards for digital‑first access

Today’s cardholders expect instant, secure access to their accounts. Virtual cards make that possible — providing instant access to digital credentials before a physical card arrives or as a standalone option.

Peregrine™ supports virtual debit card issuance within its processing environment, ensuring real-time activation that reduces friction, accelerates time to first transaction and strengthens early card usage.

Virtual debit cards can be provisioned for:

Online purchases
Digital wallet enrollment
Immediate access at account opening or reissue

Virtual debit card issuance supports modern payment behaviors and reduces fulfillment costs — all while driving engagement and improving your debit portfolio performance.

Why debit card personalization matters:

higher card activation rate with personalized debit cards

higher transaction frequency with personalized debit cards

lower churn risk for cardholders using personalized debit cards

Frequently asked questions

What is debit card issuance, and what does it include?

How does debit card issuance integrate with payments processing?

What are the benefits of issuing debit cards on an integrated platform?

How does Peregrine™ support fraud management and compliance?

What issuing models and delivery options are supported?

Built to adapt as your debit program evolves

Debit card issuance works best when it’s flexible, integrated and designed to scale with your institution. Peregrine™ gives you a unified foundation where issuance, processing, fraud controls and insight operate together — so you can adapt quickly without adding complexity.

With support for flexible card issuance models, you can choose the approach that fits your operation today — branch‑based instant issuance, centralized fulfillment, virtual debit cards or a hybrid strategy — and adjust as your needs change. Whether you’re serving consumer, business, fintech or specialty programs, that flexibility helps you meet demands and deliver a consistent cardholder experience across every channel.

Ready to explore the benefits of integrated, adaptable debit card issuance?