Founded in 2001: Cardtrend was established in Kuala Lumpur, Malaysia, with a vision to provide innovative closed-loop transaction and loyalty management solutions tailored to the needs of businesses in Southeast Asia.
About Cardtrend
With over 25 years of expertise, Cardtrend is a leader in closed-loop transaction ecosystems, providing innovative solutions tailored for B2B clients. Operating across six countries, we specialize in high-volume, compliance-driven integrations, offering robust, customized transaction solutions for diverse sectors.
Our Capabilities
Since 2001, Cardtrend has served as a specialized technical solution provider for Southeast Asia’s most complex closed-loop mobility networks. Trusted by major fuel retailers, including Fortune Global 500 companies, financial institutions and government agencies, our modular engines powers some of the region’s largest fuel card networks, supporting secure, seamless and high-volume transaction processing at scale.
What sets us apart is our ability to go beyond standard software offerings. Leveraging in-house engineering expertise, we design and deliver custom-tailored systems that enhance your operational efficiency and are precision-built to integrate seamlessly within existing ecosystems. This ensures your operations remain continuous, compliant and fully aligned with specific business requirements. Our solutions are further supported by comprehensive IT operations and maintenance services, alongside dedicated subject matter experts who work closely with you on solution design, enhancements and change requirements.
We also have extensive experience delivering high-stakes cross-border engagement projects, working closely with client and regionally distributed teams across multiple departments, from joint planning through to full lifecycle delivery. In addition, we plan and deliver complex legacy system migrations to completion, ensuring smooth transitions across diverse regulatory environments and operational frameworks. These engagements are executed with a strong focus on your business continuity, using phased deployment strategies to minimize disruption to live operations.
We have built a reputation grounded in technical excellence and long-term collaboration, with many key clients relying on our specialized platforms and technical expertise for more than a decade.
Track Record: Renowned for our expertise in Fuel Card Management System, Cardtrend maintains active deployments across five countries, delivering proven solutions at scale.
PCI-SSF Certified: First software company in ASEAN to obtain the PCI-SSF (Payment Card Industry Software Security Framework) certification, demonstrating leadership and innovation in software security within the region.
Our Key Milestones
Cardtrend’s journey includes landmark achievements, such as being one of the first in ASEAN to secure PCI-SSF certification, and pioneering closed-loop transaction solutions tailored for B2B clients. We’ve built partnerships that span over a decade, emphasizing long-term client support and industry innovation.
2004
MSC Status
Received MSC Status from Malaysia Digital Economy Corporation (MDEC)
2008
Our First Breakthrough
Achieved significant growth by securing our first major B2B client in the Philippines, marking the beginning of our specialised closed-loop transaction solutions.
2017
Project in Europe
Landed our first project in Europe, to process fuel card transaction for a co-branded card in the Netherlands.
2018
One of its Kind
Introduced iAuth, a multi-tiered architecture of digital transaction management system to cater for ultra-high-volume transaction environment.
2020
Continued Excellence
Celebrated 20 years of service excellence, maintaining strong client relationships with all our clients being with us for over 10 years.
2021
Cardtrend Infinity Launched
Introduced Cardtrend Infinity, a dedicated business unit for strategic alliances with solution partners.
2021
Research and Development with Cardtrend Innovations
Established our own R&D business unit, with the objective of innovating new solutions in the FinTech space.
2022
ASEAN First
Became the first company in ASEAN to achieve PCI-SSF (Payment Card Industry Software Security Framework) certification, setting a new standard in security and compliance.
2022
Cardtrend UK Launch
Expanded internationally with the launch of Cardtrend UK, as part of our participation in the Global Growth Program, supported by the Department for Business and Trade.
2023
Innovation Success
Launched our new solution, Universal Card Management System (UCMS).
2024
ISO 27001: 2022 Certification
Successfully achieved ISO 27001: 2022 certification, further strengthening our commitment to information security and management.
2024
Localised in the Philippines
Established our local office in the Philippines, to continue our efforts in servicing our key market.
Vision Of Cardtrend
As a key player in the digital transaction landscape, Cardtrend is committed to revolutionizing the industry through entrepreneurial creativity and transformative simplicity. We envision a future where our collaborative efforts and shared innovations establish new benchmarks. Together, we advance the industry and contribute to its continuous improvement.
Visionary
Entrepreneurial spirit is at the heart of Cardtrend’s growth. In our environment, initiative, experimentation, and continuous learning are embraced and encouraged.
Innovation
We embrace innovation with enthusiasm. We nurture a culture that values curiosity and exploration, attentively responding to emerging trends and appreciating every contribution.
Simplicity
We prioritize simplicity in everything we do. We strive to create clear, straightforward solutions and maintain genuine, approachable interactions with all stakeholders.
Client-Centric Excellence
We take immense pride in managing our clients with the utmost care and dedication. We value building strong, lasting relationships based on trust, respect and mutual success, ensuring that our clients always feel valued and well-supported.
Our Management Team
Our management team is composed of seasoned industry experts dedicated to driving transformative solutions in transaction ecosystems. With deep knowledge and decades of experience, our leaders ensure that Cardtrend remains agile and responsive to industry trends, maintaining our reputation as a trusted partner.
The latest news from our blog
Stay up-to-date with the latest news from the Cardtrend blog! Discover industry insights, updates on our innovative payment solutions, and trends shaping the future of digital payments, mobility, and customer engagement. Our blog keeps you informed on how Cardtrend is driving change and delivering value across sectors.
Careers
Powered by people, driven by innovation
At Cardtrend, the spirit of ‘We are Cardtrend’ is at the core of everything we do. Our success is a testament to the extraordinary talent and dedication of our team members, who truly are the heartbeat of our company.
We cultivate a culture of collaboration, creativity and excellence. These values go beyond ideals—they define our everyday work. We celebrate each individual’s unique talents and perspectives, which fuel our innovation and growth. Our products reflect the result of careful research, thoughtful design and rigorous testing—thanks to the commitment of our talented team.
If you’re passionate about shaping the future of FinTech and eager to be part of a forward-thinking team, we encourage you to apply today. We look forward to welcoming you to the Cardtrend family!