Payment Cards

The most customary use for a card is to pay for goods and services. The FNMT-RCM manufactures all kinds of payment cards, from the classical magnetic stripe cards to the most sophisticated chip-based payment systems, including practical solutions such as the electronic purse. The corporation is an accredited manufacturer of cards for MasterCard.

With long experience in the development of operating systems for chip cards and their applications, the FNMT-RCM has evolved from magnetic stripe cards to cards based on chip technology.

The FNMT-RCM catalog includes different products with the necessary security functions and features to implement payment systems, debit, credit or electronic purse, with appropriate levels of security and operating costs.

Smart card - Banks

EMV Standard

Due to the forthcoming migration of the magnetic stripe debit and credit cards to chip-based cards, the FNMT-RCM has developed different products to support the global EMV standard, established at the time by Europay International, MasterCard International and Visa International.

The operating system developed by the FNMT-RCM for EMV debit/credit transactions complies with all the criteria of function and security, and has been certified by Mastercard.


Advantis is a multi-application and multi-purse SERMEPA's Operating System that combines finantial EMV applications and electronic purse applications. It allows to move credit and debit functions from the magnetic stripe to the chip, or to include in this one complementary uses: tansport applications, loyalty programs, universities applications, access control, etc.

Electronic purse

The electronic purse, or the re-loadable prepayment card, is a chip card that can be loaded with a given amount of money. It is used to pay for services rendered and can be re-loaded when depleted. It is usually destined to pay for low-cost operations in which a connection to an authorizing center is not justified on account of the cost of communications and the delay involved in the execution of the operations.