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Enhance customer experience by issuing multi-currency bank accounts into your apps and products

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An all-in-one platform offering multi-currency bank accounts, card issuing and card acquiring across Europe

Smart online banking | Intergiro

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The Intergiro.3d financial starter toolkit contains a brief overview of our Banking as a Service offerings, legal requirements and brand and marketing guidelines. The purpose is to share all necessary information and documents to make the implementation process easier for our clients. The toolkit will provide you with the documentation required to apply for and initiate tokenization of your cards; customise the user experience for your customers; and support communication along with service level agreements. Most of the agreements will be executed electronically by each party to sign, although the agreements will still be available for download and review.

Firstly, you will need to get familiar with our API documentation and Developer portal. These will guide you to onboard your first individual, create individual payment accounts, make payments, and order your first card.

During the implementation phase you’ll be given access to our work management platform. Here you’ll be able to follow your checklist of what actions need to be taken from start to launch. This will also make the communication between you and your Key Account Manager easier as we’ll be synchronised at which stage you’re currently on.

Intergiro’s 3d toolkit consists of 4 different services. In each section you’ll find an overview of each respective service along with useful links, requirements, flowcharts, documentation and application forms.

Once you’ve familiarised yourself with our staging environment and want to receive production access, we’ll ask you to perform staging comfort tests. When you’ve implemented the production environment and are ready to go live you’ll be going through sanity testing.

The Accounts aaS provides you the possibility to create payment accounts. Individuals can move funds between their own accounts, as well as make internal and external payments. The accounts all have a unique Swedish IBAN (International Bank Account Number) which can be funded using external SEPA (Single European Payments Area) transactions or through internal account movements.

Individuals may also top up their payments accounts using cards - read more about the top-up functionality in the next section on ‘Account funding’. In the Cards as Service section you can also find information on how to connect both physical and virtual cards to your individual’s accounts.

To get an overhead view of the implementation of the Accounts aaS you can download flowcharts for creating and viewing payment accounts, view and list transactions, and how to make internal and external payments.

3d Flowcharts: Create and view payment account details, View and list transactions, Internal and external payments

Besides SEPA payments, individuals can use payment cards to top up their accounts using our top-up feature. This is sometimes referred to as “account-loading” and enables users to instantly add funds from a third-party card. Please note, to be able to use this feature, Intergiro will require a certain amount of collateral and prepaid fees.

Intergiro.3d one pager: Accounts as a Service

Cards aaS leverages Intergiro’s principal membership with Visa and card processing infrastructure to enable you to offer debit cards to your end users.

Intergiro provides many options for your card programme and we encourage you to discuss your preferences in detail with your Key Account Manager i.e. whether you want to combine physical cards with instant issue virtual cards, what design and material you want to use and different “tokenization” options.

To get started with the tokenization process, please fill out our 3d tokenization questionnaire.

In order to provide you with a complete card programme, we work with third-party specialists, including card manufacturers, card packaging suppliers and payment processors, with whom Intergiro manages the communication on your behalf. To get an overview of materials, colours, and techniques of card manufacturing see our 3d Card and card carrier design guide.

To get an insight on how to implement Cards aaS you can download flowcharts for Order and view cards, Reset card PIN, and how to Update card. You may also view detailed flowcharts for both physical and virtual card status transition.

Further information on our card products can be found below:

3d Flowcharts: Order and view cards, Reset card PIN, Update card, Physical Visa card status transition, Virtual Visa card status transition

Access ‘near time’ secure views of operational data by directly integrating with our analytics platform. Through the analytics platform you’ll be able to monitor the deliverance of our Banking as a Service solution and create your own charts and tables based on customer data.

An important part of Intergiro’s toolkit is to handle everything you’ll need to onboard a new individual, including KYC (Know Your customer) and AML (anti-money laundry) checks, PEP (political exposed person) scans, sanction screening and biometric enrolment for authentication.

To ensure the most frictionless experience for the end-users, we have developed an automated system resulting in fast, smooth onboarding. Occasionally users will be required to go through a manual onboarding process should there be additional questions or if document copies are not appropriate. In this scenario, Intergiro Customer Support will reach out to your Customer Support team via Intercom to communicate with the end user.

The onboarding process supports both the traditional KYC approach based on passports and national ID, as well as electronic identification systems. The following eID solutions are supported:

To get an overview on how our Onboarding aaS works, you’ll need to onboard a new individual, download our flowchart showing the Individual onboarding process. Further information on Onboarding aaS can be found below:

3d Flowcharts: Individual onboarding process

We at Intergiro know how important keeping a consistent look and feel is for the user experience for example whenever an individual is redirected to a page hosted on our behalf. For example, when individuals want to view their sensitive card credentials or authenticate themselves using Intergiro.3d services that require Strong Customer Authentication. To match the feel and look of your brand simply visit our Theme Constructor and share the link with the results to your key account manager. Besides customising the interface, we also support customisation of our 3d SDK embeddable elements, for example the card input widget.

To get started with data processing, Intergiro has prepared a GDPR and Security questionnaire for you to submit. The questionnaire aims to collect information about your data processing and at the same time straighten out any question marks in regard to security and the GDPR. You may also get familiar with the Legal requirements to fulfil regulatory compliance.

We have also created 3d General Terms and Conditions in order to govern your use of our services (i.e. Accounts-, Cards-, Data-, and Onboarding aaS). You may also review the Definitions for the Terms and Conditions.

Intergiro’s legal team have also created both 3d Terms and Conditions as well as Privacy policy templates. These templates can be used as a starting point for your legal team when drafting the necessary documents. Keep in mind that you’re responsible for keeping your documents up to date and that Intergiro does not assume any liability for any of these templates. You can also view Intergiro.3d consumer Terms and Conditions as well as our Privacy policy.

3d General Terms and Conditions Definitions

3d Accounts aaS Specific Terms and Conditions

3d Cards aaS Specific Terms and Conditions

3d Onboarding aaS Specific Terms and Conditions

Templates: 3d Terms and Conditions, 3d Privacy policy

During the implementation phase you’ll have weekly meetings with your Implementation Manager and Key Account Manager. You will also be able to submit tickets for any type of inquiry. You and your support and tech team will be given access to our ticketing system after you’ve had your first kickoff call. If you’re interested to know our working hours and response times please refer to our support guide.

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