CardInfoLink Company Profile

Background

Overview

Established in 2010, CardInfoLink is a leading provider of payment systems and solutions, specializing in advanced payment technologies and services for banks and financial institutions across the Asia-Pacific region. The company is headquartered in Shanghai, China, and operates in the financial services and fintech industries. CardInfoLink is committed to enhancing customer payment experiences and security through innovation and excellence in service.

Mission and Vision

CardInfoLink's mission is to build leading economic payment infrastructure for the internet and mobile, providing banks, financial institutions, and merchants with integrated payment and collection systems that incorporate bankcards and QR codes. The company's vision is to drive payment experiences toward greater intelligence, simplicity, and security, reflecting its deep integration with the global payments market.

Primary Area of Focus

The company focuses on developing and providing comprehensive payment solutions, including domestic and overseas online payment processing, QR code payments, and membership marketing based on big data analysis. Its services are widely applied in various scenarios such as university fee payments, transportation, dining, hotel reservations, and mobile ordering.

Industry Significance

CardInfoLink has established itself as a significant player in the payment processing industry, serving major merchants, reputable enterprises, and financial institutions across more than 20 countries. The company's services help clients manage their payment businesses online with lower financial complexity and better user experiences.

Key Strategic Focus

Core Objectives

Enhance payment security and user experience through innovative solutions.

Expand market presence across the Asia-Pacific region.

Develop and integrate advanced payment technologies.

Specific Areas of Specialization

Domestic and international online payment processing.

QR code payment solutions.

Membership marketing based on big data analysis.

Key Technologies Utilized

Advanced payment processing systems.

QR code payment technologies.

Big data analytics for membership marketing.

Primary Markets Targeted

Banks and financial institutions.

Merchants across various industries.

Consumers seeking secure and efficient payment solutions.

Financials and Funding

Funding History

CardInfoLink has secured a total of $56.11 million in funding over several rounds, including a Series C round of $40 million in September 2020.

Notable Investors

TIS INTEC Group

Sequoia Capital China

KT Investment

Utilization of Capital

The funds have been utilized to expand CardInfoLink's payment processing capabilities, enhance technological infrastructure, and support the development of new payment solutions to meet the evolving needs of the market.

Pipeline Development

Key Pipeline Candidates

CardInfoLink is actively developing and enhancing its payment processing platforms, focusing on integrating advanced technologies to improve transaction security and efficiency.

Stages of Development

Ongoing development and integration of new payment technologies.

Expansion of QR code payment solutions.

Enhancement of big data analytics capabilities for marketing.

Target Conditions

Improved transaction security.

Enhanced user experience.

Increased market penetration in the Asia-Pacific region.

Anticipated Milestones

Launch of new payment processing features.

Expansion into additional markets.

Integration with new financial institutions and merchants.

Technological Platform and Innovation

Proprietary Technologies

EVO Cloud: Supports major mobile wallets in the Southeast Asia region and connects to all six major international card schemes.

Significant Scientific Methods

Big data analysis for membership marketing.

Advanced payment processing algorithms.

AI-Driven Capabilities

While specific AI-driven capabilities are not detailed in the available sources, CardInfoLink's focus on advanced payment technologies suggests the potential integration of AI in areas such as fraud detection, transaction analysis, and customer behavior insights.

Leadership Team

James Zhao – Chief Executive Officer

James Zhao serves as the CEO of CardInfoLink. Prior to founding CardInfoLink, he held a position at UnionPay International as Deputy General Manager.

Livia Liu – Partnership Director

Livia Liu is the Partnership Director at CardInfoLink, responsible for managing and expanding strategic partnerships.

Victor Ye – AllPay

Victor Ye is associated with AllPay at CardInfoLink, contributing to the company's payment processing services.

Competitor Profile

Market Insights and Dynamics

The payment processing industry is experiencing rapid growth, driven by the increasing adoption of digital payment methods and the expansion of e-commerce. Key trends include the rise of mobile payments, the integration of QR code payment solutions, and the emphasis on transaction security and fraud prevention.

Competitor Analysis

CardInfoLink faces competition from various companies in the payment processing sector, including:

M-DAQ: A financial technology company operating in the cross-border transactions sector, offering services such as foreign exchange benchmarking, currency conversion, international payments, and multi-currency trading solutions.

Safexpay: A financial technology company creating customized payment platforms for businesses, offering a suite of payment aggregation and neo-banking solutions designed to facilitate transactions across multiple channels.

Strategic Collaborations and Partnerships

In September 2017, CardInfoLink entered into a capital and business alliance with TIS Inc., a member of the TIS INTEC Group. This partnership aims to jointly promote QR code payment solutions in Japan and Southeast Asia and provide card-issuing system services in China.