Yalamanchili is a leading technology solutions provider that designs and implements customized, flexible, scalable and innovative banking and payment solutions for clients around the world. The company's solutions are focused in the areas of prepaid, credit, debit, and commercial cards, as well scheme based tokenization, transaction processing, customer service delivery channels and emerging payments. Whether it's an individual product, an end-to-end solution or the provision of a fully-outsourced service, Yalamanchili's solutions are enabling more than 100+ clients around the world to stay at the forefront of global industry developments.

Partner Type

Visa Ready Certified


Visa Ready: Issuer Processor


NARADA® CustomerOne


NARADA® CustomerOne

NARADA® from Yalamanchili is an application platform that helps clients create, implement and manage innovative solutions in the areas of transaction processing, card systems and banking systems.

Yalamanchilli offers:

MIDDLEWARE SOLUTION enables communication and data interchange between devices and applications within an enterprise, as well as between the enterprise and other external networks and institutions.

PREPAID SOLUTION manages the complete prepaid card lifecycle and provides an easy-to-use platform for financial institutions, agencies, corporate customers and consumers to customize and tailor their programs. It supports variety of prepaid programs such as but not limited to General Purpose Reloadable Cards, Travel Cards, Remittance Cards, and Disbursement Cards.

DEBIT, CREDIT AND COMMERCIAL SOLUTION helps financial institutions launch debit card programs either independently or as co-branded programs. The end-to-end solution integrates the functions of card issuance management, fee management, limits management, settlement, reconciliation, loyalty, exception and risk management.  The solution provides a facility to connect to service delivery channels and banking host applications.

CONSUMER SERVICE DELIVERY The consumer service delivery channel solution is designed to handle online financial transactions from automated teller machines (ATM), kiosks, phones, mobile, internet, merchant point-of-sale devices (POS) and interchanges

ATM SOLUTION provides a platform for the integration of ATMs as a strategic delivery channel. The solution integrates the functions of ATM, transaction switching, card issuance management, ATM content and soware distribution management, ATM control and monitoring including settlement, reconciliation, and exception management

MERCHANT MANAGEMENT SOLUTION provides an end-to-end acquiring platform for merchant on-boarding and registration, terminal management, merchant loyalty management for POS and e-commerce merchants with setting for discounts, fees, limits, merchant settlement and payments

Solution Information

Issuer Processor

Visa Credential and Card Support
Prepaid, Debit, Credit, Consumer, Small Business Commercial

In-Region Support

PCI Compliance

Testing and Environment Information

Solution Deployment

Tenancy Architecture
Multi-product, Multi-client, Multi-BIN

Comprehensive APIs

Sandbox Testing Environment
Full testing and simulation environment for all APIs and test cases

Uptime Availability in Region(s)

Solution Support

Visa Token Service (VTS) Support
Yes, Push Provisioning (entire lifecycle supported)

Visa Direct Support

Visa QR Payments ("Scan to Pay" Support)

Customizable Authorization Decisioning

Custom, API-based

Authorization Flow
Fully Managed, Partially Managed

Incremental Authorization

Additional Solution Information

Instant Funding / $0-Balance Transactions

Proprietary or Visa Access Control Server (ACS)

Risk-based Authentication (3DS 2.0)

Real-time Risk Scoring

Custom Fraud Rules

BIN Sponsor Connections

Program Management / End-to-End

Full-service Credit Program Management

Multi-currency Partitioning

Visa Value-added Services Integration
Visa FX Rate API

Other Value-added Services Integrations
eKYC Providers, Installments, Payment Gateways for eCommerce

Operating Countries