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Head-to-head · Card Issuing Platforms

FIS Total Issuing Solutions vs HPS PowerCARD

  • Updated Oct 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score FIS Total Issuing Solutions #2 in Card Issuing Platforms 9.2/10 Pricing on request ✓ 4 of 6 features Visit FIS
HPS PowerCARD #3 in Card Issuing Platforms 9.1/10 Pricing on request ✓ 4 of 6 features Visit HPS

FIS Total Issuing Solutions leads on 0 checks, HPS PowerCARD on 0, and 5 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreFIS Total Issuing Solutions · 9.2/10

FIS Total Issuing Solutions scores higher on our rubric for card issuing platforms: 9.2 against 9.1 out of 10; our editors rank them #2 and #3.

FIS Total Issuing Solutions is the better fit for large enterprise card issuers. HPS PowerCARD is the better fit for large banks and enterprise processors.

  • FIS Total Issuing Solutions fits best

    Large enterprise card issuers

  • HPS PowerCARD fits best

    Large banks and enterprise processors

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Side by side

Feature FIS Total Issuing Solutions 9.2/10 Visit ↗ HPS PowerCARD 9.1/10 Visit ↗
At a glance
Editor score 9.2 9.1
Ranking #2 in Card Issuing Platforms #3 in Card Issuing Platforms
Best for Large enterprise card issuers Large banks and enterprise processors
Pricing model Paid Paid
Starting price Pricing on request Pricing on request
Free plan Not checked yet Not checked yet
Free trial — —
Deployment Cloud, Mobile Cloud, Self-hosted
Platforms Web, iOS, Android Web
Built for Mid-market, Enterprise Mid-market, Enterprise
Features FIS Total Issuing Solutions 4/6 · HPS PowerCARD 4/6
Virtual cards ✓ ✓
Physical cards ✓ ✓
Issuing API ✓ ✓
Spend controls ✓ (best) Not checked yet
Funding and balances Not checked yet ✓ (best)
KYC/KYB tools Not checked yet Not checked yet
Specs
Card program support Not checked yet Enterprise
Our review
Pros
  • Supports credit, debit, prepaid, commercial, virtual and physical cards
  • Combines APIs, authorization, fraud scoring, controls and dispute workflows
  • Provides real-time transaction data, analytics and KYC/KYB integrations
  • Supports credit, debit, prepaid and corporate card portfolios
  • Offers physical and virtual cards across currencies and institutions
  • Combines fraud, disputes, collections and tokenization capabilities
Cons
  • Pricing requires a conversation with FIS sales
  • There is no free plan
  • Its broad scope may exceed focused single-purpose card programs
  • Commercial terms require contacting HPS
  • Enterprise scope may exceed the needs of smaller issuers
  • Spend controls and KYC/KYB tools are not verified
Our verdict

FIS Issuer Services provides card issuing and issuer-processing capabilities for banks, fintechs and other financial institutions. It supports credit, debit, prepaid and commercial card programs, alongside virtual, digital and physical…

Read the review →

HPS PowerCARD is a modular card and payment-processing suite for banks, financial institutions, retailers, card processors and other issuers. Its PowerCARD-Issuer component supports credit, debit, prepaid and other payment products across…

Read the review →
  1. FIS Total Issuing SolutionsCard Issuing Platforms 9.2Pricing on request
  2. HPS PowerCARDCard Issuing Platforms 9.1Pricing on request

Strengths and trade-offs

  • FIS Total Issuing Solutions — where it wins

    • Supports credit, debit, prepaid, commercial, virtual and physical cards
    • Combines APIs, authorization, fraud scoring, controls and dispute workflows
    • Provides real-time transaction data, analytics and KYC/KYB integrations

    Where it doesn't

    • Pricing requires a conversation with FIS sales
    • There is no free plan
    • Its broad scope may exceed focused single-purpose card programs

  • HPS PowerCARD — where it wins

    • Supports credit, debit, prepaid and corporate card portfolios
    • Offers physical and virtual cards across currencies and institutions
    • Combines fraud, disputes, collections and tokenization capabilities

    Where it doesn't

    • Commercial terms require contacting HPS
    • Enterprise scope may exceed the needs of smaller issuers
    • Spend controls and KYC/KYB tools are not verified
  • FIS Total Issuing Solutions9.2/10 · Pricing on request

    A broad issuer-processing platform for financial institutions running multiple card programs.

    Visit FISFull verdict →
  • HPS PowerCARD9.1/10 · Pricing on request

    An enterprise card-processing suite for complex, multi-product issuing programs.

    Visit HPSFull verdict →

More comparisons

All card issuing platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update