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HUBUC

Global Card Issuing and Processing Engine

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HUBUC is a cloud-native card issuing and processing platform for Mastercard and private label cards, covering credit, debit, and prepaid products in physical, virtual, and one-time formats. It handles single and dual message authorizations, zero-balance network integration with Mastercard, and clearing and settlement reporting delivered through APIs in JSON or raw formats. The platform supports 3D Secure, PCI DSS V3.2.1, SCA, and ISO-8583 authorization transactions across all versions, running on a cloud-based ISO switch infrastructure for online authorization and reversal.

Capabilities include dynamic spend controls by MCC, MID, customer, and card, Dynamic CVV, Real-time Streaming Auth (RTSA), multi-currency cards, and card-level settings for activation, spend velocity, and limits. Open APIs support branded card products, physical and virtual cards with Apple Pay, virtual travel cards for OTAs, corporate expense cards, and employee benefit cards, with custom reporting for reconciliation.

HUBUC is aimed at businesses building card programs, including digital banks, travel agencies, and corporate or employee card issuers. The platform is accessed through a developer portal and partner ecosystem; the pages do not state pricing, plans, or trial terms.

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