MuRong DCSS (Domestic Card Scheme System) is a purpose-built infrastructure for card scheme operations. It enables countries or regions with large populations and strong payment demand to rapidly establish a national or regional interbank payment and settlement system, launch domestic card schemes, create local card brands, issue domestic payment cards, and strengthen control over the payment value chain.
MuRong DCSS integrates banks, PSPs, and MMOs into a unified ecosystem, delivering end-to-end solutions covering card issuance, transaction switching, clearing and settlement, dispute management, and risk control. It ensures core systems remain self-controlled, secure, and highly efficient.
MuRong DCSS complies with global standards while supporting national and regional proprietary standards. It provides a full suite of products and comprehensive business functions for participating financial institutions, enabling seamless, stable, and secure payment operations.
Product Capacities
Card
Issuance
Card Issuance
Physical card issuance
Virtual card issuance
Multi-tenant support
Standards
Compliance
Standards Compliance
Compliant with ISO and EMV standards
Adheres to PCI DSS requirements
Risk
Control
Risk Control
Real-time and batch risk models
Risk and anti-fraud rule engines
Complete audit trail
Dispute
Handling
Dispute Handling
Dispute initiation
Dispute review
Dispute resolution
Omni-channel
Transactions
Omni-channel Transactions
POS, ATM, and web channels
Mobile and USSD
Comprehensive transaction type support
Participant
Management
Participant Management
Banks
PSPs
MMOs
Other FIs
Clearing &
Settlement
Clearing & Settlement
Flexible fee configuration
Automated settlement
Instant settlement
Value Added
Services
Value Added Services
Loyalty points
Coupons
Campaign management
Product
Features
Product Features
Future-Proof Technical Architecture
Cloud-native, microservices-based,
and distributed architecture supports elastic scaling and business agility.
Efficiently processes high-volume concurrent transactions,
24/7 continuous service,
and provides robust security safeguards for all transactions.
Quick & Easy Integration
Standardized APIs enable fast participant onboarding, supporting rapid integration and operational launch.
Automated Operations
A unified operations and management platform automates and standardizes processes to improve operational efficiency.
Full Lifecycle Card Management
Covers end-to-end card lifecycle management and monitoring, including application, activation, authorization, and cancellation.
Product
Benefits
Drives Digital Transactions
Promotes the adoption of digital payments and meets omnichannel, multi-scenario customer demands.
Reduces Costs
Advanced architecture significantly lowers infrastructure and IT operational expenses, while fast and simplified integration reduces implementation costs for participants.
Enhances Capital Efficiency
High transaction approval rates, automated reconciliation, and settlement processes accelerate capital turnover, supporting broader economic growth.
Regulatory Compliance
Enables domestic transaction processing and local data storage, strengthens regulatory compliance capabilities, and mitigates financial risks.
Real Results
REAL RESULTS
Leveraging MuRong DCSS and MuRong EPSS, MuRong designed and delivered the end-to-end solution for AfriGo. Since going live, the platform has seamlessly integrated banks, PSPs, MMOs, and other payment institutions, encompassing core functions including card issuance, payment routing, clearing and settlement, and dispute processing.
To date, with MuRong’s support, AfriGo has reached over 200 million users, 50-plus partner institutions, more than 12 million POS terminals, and over 20 million bank cards issued.
Want To Get Started?
Get In Touch And Download Our Brochure.
Get In Touch And Download Our
Brochure.