Partner Products

We partner with world-leading technology providers to deliver proven, scalable, state-of-the-art solutions, which are implemented by eMcREY’s highly skilled team of experts and complemented by our own APEX product suite.

FIS is a global leader in financial services technology, with a focus on retail and commercial banking solutions, payment processing, risk and compliance management. FIS serves more than 20,000 clients in over 130 countries and is headquartered in Jacksonville, Florida, USA. Employing more than 55,000 people worldwide, FIS is a Fortune 500 company.

eMcREY has enjoyed close collaboration with FIS for many years, using its proven capabilities as the starting point for a series of bespoke implementations in the Gulf region, giving regional financial services providers access to world-class technology, coupled with eMcREY’s considerable experience of local market requirements and implementation expertise.

FIS  Cortex

Cortex is a comprehensive solution for the issuance, management and processing of credit, debit and prepaid cards. It has been integrated with many core banking systems and underpins the operations of card issuers around the world. At its core is a very powerful rules engine that gives it tremendous flexibility at all levels of card management and processing, including authorization rules, risk rules, fees, commissions and many other features.

FIS  Memento

The award-winning Memento enterprise fraud management solution is a world leader in financial crime management, combining revolutionary data indexing, superior analytics, forensic research and innovative alert and case management capabilities. The platform offers a broad a range of new and effective fraud management alternatives, including prevention of ACH fraud, wire fraud, On-Us cheque fraud, employee fraud and deposit fraud.

FIS  Fraud Navigator

Fraud Navigator is a single solution that manages all aspects of card fraud detection, prevention and reduction; removing the need for disparate systems which have traditionally been used to tackle fraud.  The solution analyses transactions in near real-time at the issuer, acquirer or EFT switch as part of the authorization process, or post-authorization. Fraud Navigator allows institutions to respond quickly when suspicious transactions are identified, using its comprehensive research and decisioning capabilities, reporting and case management features.

FIS  IST Switch

IST/Switch is an open-systems transaction switching platform that has been adopted by many of the world’s leading financial institutions and national switches, to provide 24×7 transaction processing, ATM and POS driving.  It is a highly scalable solution which links to all the major international and domestic card schemes, providing complete management of transaction processing from POS networks, ATMs, mobile and self-service channels.

FIS  Data Navigator

Data Navigator is a back-office transaction management solution, which complements enterprise transaction processing solutions by aggregating data from all EFT and ATM channels and systems to provide a single view within the payments environment.  Transaction research and reporting increases the productivity and cost-effectiveness of exception management and transaction settlement.  The solution can also be deployed as a central service across multiple EFT switches, as all transactions are collected in one central repository.

Entrust Datacard is a Minneapolis-based provider of trusted identity and secure transaction technology solutions which make the anytime, anywhere experiences of consumers, citizens and employees reliable and secure. Solutions range from the physical world of credit card and ID card issuance to digital applications such as certificates, authentication and secure communications. Entrust Datacard serves customers in more than 150 countries and has 2,000 global employees.

eMcREY is one of the networks of trusted Entrust Datacard partners worldwide, incorporating its robust and market-leading security capabilities to construct solutions which inspire confidence in businesses and their customers alike, facilitating commerce while keeping risks firmly under control.

Key Manager Software

Key Manager Software provides complete key management functionality to enhance security throughout the issuance process, including data security, data preparation and document issuance. Built-in support for leading hardware security modules (HSMs) makes integration easier and HSMs can be easily added as business needs evolve. The system also has a user-friendly management interface to simplify operations.

IO Trust

For businesses and consumers to have confidence in the Internet of Things (IOT), robust cybersecurity is essential.  IOTrust creates a secure IOT infrastructure by establishing trust in all connected devices. It safeguards data in transit and in storage using cryptography and strong authentication and authorization mechanisms and provides secure management of devices connected to any back-end system. IOTrust reduces time-to-market for new services by enabling rapid deployment of trusted devices, using a range of connectivity options to suit the client’s business environment.

Token ID A Visa Solution

Token ID gives you control over your tokenization strategy, allowing you to offer more types of digital transactions while deciding where and how to implement.

Token ID empowers banks, merchants, regional networks and clearing houses to build, manage and control their own tokenization capabilities. Create new, richer and more secure digital payment experiences by expanding tokenization beyond card payments to support automated clearing house (ACH) and real-time use cases.

Token ID

Service Provider

Token Service Provider is a modular solution enabling end-to-end generation, issuing and management of payment and non-payment tokenization.  It allows organizations to remove tokenization fees and become more agile by supporting tokenization on any mobile device and channel.

Token ID


Token ID Gateway is a single token connection and interface, which allows e-commerce merchants, acquirers and PSPs to reduce cardholder-not-present fraud, create seamless checkout experiences, implement flexible transaction routing and increase operational efficiency.

Token ID

Data Prep

Token ID

Payment Account Tokenization

Payment Account Tokenization (PAT) helps combat account-based fraud. It enables safe and secure ACH and instant payments by replacing sensitive account data with tokenized credentials. It provides in-network tokenization during transaction processing, as well as direct tokenization for originating banks.