Aconite Payment Application Manager (PAM) is a comprehensive solution for the issuance and management of EMV® payment cards and cards with other smart applications such as transit, eID and healthcare. PAM can also issue and manage non-traditional tokens for payment or other purposes, such as virtual payment cards for online shopping, e-coupons and travel tickets. PAM manages all aspects of card or token lifecycle – data preparation for single or multiple apps, key and certificate management and post-issuance management. PAM runs in real-time, supporting instant issuance of physical and virtual cards as well as traditional central issuance.


PAM is a highly performant, industrial strength system that has issued and manages hundreds of millions of smart cards for Aconite customers around the world. PAM is built for either single issuer or multi-tenant service provider deployment. PAM is scalable horizontally and vertically and is licensed on card volume under management, so there is a deployment model suited to every size of issuer.


PAM is card, OS and application-neutral. Any smart card app, irrespective of brand, can be issued on any type of chip. PAM's user-maintained configuration defines Product Profiles that contain the instructions for data preparation, key and certificate management and card personalization. 

On-boarding new clients or launching new products is most often achieved through configuration; code changes are rarely required.


PAM can operate in tandem with an existing card management system to enrich mag-stripe card order requests or files with EMV or other smart app data, forwarding the resulting personalization requests to a card bureau or to an instant issuance system. Alternatively PAM can create complete card production orders, including mag-stripe and embossing information, from simple card requests. To create personalization requests, PAM collates data that can be generated internally, supplied in the card order or fetched from external systems.

Lifecycle Management

A feature that sets PAM apart from other data preparation systems is its retention of card and application data, including parameter settings and chip information. Not only does this provide a rich source of management information, but through integration with Aconite Technology's Transaction Management solution ETM (see here), PAM can pre-populate the EMV authorization database with card details and can receive details of parameter updates applied to cards through EMV scripting, which are then retained in PAM's database and can be used for card renewal or replacement. 

Contact us for more in-depth information on Aconite Payment Application Manager or click here to download
Aconite's PAM Solution Paper.