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Closed Loop Programmes

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Closed Loop
Programs

A flexible closed-loop payment platform for building branded ecosystems — gift cards, loyalty programmes, campus cards, transit passes, and prepaid schemes. Gives organisations full control over acceptance rules, float management, and cardholder experience without relying on open-loop scheme infrastructure.

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Architecture Overview

Closed Loop Programme Architecture

Click to expand. The diagram maps the closed-loop ecosystem — funding sources, programme types, merchant acceptance rules, and back-office management.

Closed Loop ProgramsBranded prepaid, gift, loyalty & campus card ecosystemsClosed Loop CoreProgramme EngineGift CardsRetail giftingLoyaltyPoints & rewardsCampus CardStudent ID payTransitFare collectionPrepaidStored valueProgramme Setup• BIN sponsorship• Scheme enrolment• Card design• Limit configTransaction Engine• Real-time auth• Balance checks• Expiry rules• Top-up flowsMerchant Network• Acceptance rules• MCC controls• Geo-fencing• ExclusionsReporting & BI• Spend analytics• Float reports• Reconciliation• Audit trail
Expand diagram

Platform Capabilities

What the Platform Delivers

Gift card programme management
Loyalty & rewards point integration
Campus card & student ID programmes
Prepaid programme management
Transit & commuter pass programmes
Merchant acceptance rule configuration
Float & liability management
Top-up via bank transfer, card, or cash agent
Geo-fencing & MCC spend controls
Real-time balance & transaction enquiry
Expiry & dormancy management
Reconciliation & regulatory reporting

Key Features

Built for APAC Requirements

Branded Ecosystem Control

Define exactly where, when, and how the card can be used — by merchant category, geography, time of day, or transaction type — without scheme restrictions.

Multiple Programme Types

Run gift, loyalty, campus, transit, and prepaid programmes on the same platform, each with its own rules, branding, and cardholder experience.

Flexible Funding

Accept top-ups via bank transfer, debit/credit card, cash agent, or employer payroll integration, with configurable limits and KYC thresholds.

Back-Office Management

Full float reporting, reconciliation, dormancy management, and regulatory compliance reporting — all accessible via a web-based management portal.

Typical Use Cases

Who Uses This Platform

  • Retailers and shopping centres launching gift card programmes
  • Universities and campuses deploying student ID payment cards
  • Transit authorities building closed-loop fare collection systems
  • Employers issuing meal, fuel, or benefit cards to staff
  • Government agencies distributing welfare or subsidy payments

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

Discuss Your Programme