Chip Card is one of the leading processors of payment transactions operating in the territory of the Republic of Serbia and the region since 2004, and represents a reliable and stable partner to its clients – banks, sellers and other financial and non-financial organizations.

The Chip Card business consists of two business lines:

  • The payment transaction processing operations intended for banks and financial institutions, and
  • Operations of the eMoney Institution, e-Commerce and POS integration, intended for sellers.

Through Payten d.o.o. Beograd, as a majority shareholder, Chip Card is connected to companies within Payten Group, operating within the broader Asseco group.


During 2017 Chip Card was registered as a payment institution and started providing services and developing e-commerce. During 2021 Chip Card obtained the licence of the National Bank of Serbia for e-money issuance, which also includes authorizing Chip Card to provide payment services – the acceptance of buyers’ payment cards in e-sellers’ points of sale and the transfer of funds to sellers on the basis of sales transactions.


Chip Card provides the comprehensive services of payment transaction processing in line with the industry security standards, such as the PCI DSS and PIN-security standard. The software used in Chip Card’s operations is fully PA DSS-certified. In addition to the certificates specified above, Chip Card also holds the following certificates: ISO 27001, ISO 27701, ISO 20000, ISO 22301, ISO 9001 and ISO 14001.

Supported card brands include Visa, Mastercard, DinaCard, UnionPay, while Chip Card can also support other brands according to customer requests.

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Why is it important for companies to be ISO certified?

Application of ISO standards has become mandatory in almost all areas of business.

Investing in ISO certification has numerous benefits for companies, including improvement of quality, business efficiency and information protection, and what is increasingly important, among others, provides the opportunity for organizations to comply with environmental protection standards. Chip Card is proud of its certification journey and works continuously to ensure the highest standards in every aspect of its business.


What are the benefits for ISO certified organizations?

The integration and application of multiple standards in one organization is one of the key advantages on the market. The ISO 9001, ISO 20000, ISO 22301, ISO 27001, ISO 27701 and ISO 14001 standards introduced by Chip Card in previous years form a harmonious set that improves the entire business.

1. Quality certification, ISO 9001

The ISO 9001 standard allows companies to align their procedures with requirements that imply service quality, it improves business efficiency and customer satisfaction.

2. Efficiency in the IT sector, ISO 20000

Modern IT companies feel the need to apply the ISO 20000 standard in order to optimize their business processes and have the possibility for continuous improvements in the provision of IT services.

3. Business recovery in emergency situations, ISO 22301

This standard helps organizations recover from crisis situations while protecting their reputation and market share.

4. Information protection, ISO 27001 and 27701

The protection of privacy and personal data, as well as the application of technical and organizational measures according to these standards, are regulatory and contractual requirements of companies. By applying thesestandards, organizations achieve information security and safety.

5. Environmental protection, ISO 14001

Chip Card has been ISO 14001 certified since October 2023. This standard is essential for transparent and socially responsible operations of the organization, which ensures a better future for the next generations.

Get acquainted with our ADVANTAGES

Reliable and secure processing service

The established High Availability, Disaster Recovery and Business Continuity. The possession of the key infrastructure, technological and IT resources. 24/7 risk analysis, prevention of misuse and support.

Flexibility and prompt responses to the clients’ demands

Leadership in the implementation of business solutions. Adjusted payment solutions, with short-term implementation. A special-purpose project team is appointed for each project to implement the solution agreed upon and guide the client throughout the process.

High system availability

High system availability according to the official Visa and MasterCard data.

Data security

The business operations are performed in compliance with ISO 9001, ISO 20000, ISO 27001, ISO 27701, ISO 22301, ISO 14001 and PCI DSS standards.

Expertise, project management

A minimum inclusion of the clients’ resources in business solutions implementation. Our specialists have years of experience in the payment and ICT industries.

Profitability of business

The offer of services under favourable conditions, flat tariffs, scalable tariffs, transparent invoices, different tariff models.

Data Backup

Redundant data and virtual data center.

Unique and innovative company culture

The employees’ professional development and improvement is one of Chip Card’s most important tasks. Our team, which consists of highly educated and qualified individuals, is constantly keeping up to date on changes in the business environment, in order to provide our clients with a high level of service, in line with the global standards.

Creating long-term, partner relations with clients

The implementation of high-quality modern solutions, providing support in payment card operations and online payments, as well as the development of new products and their timely release in the market, which provides our clients with more efficient and profitable business.

Milan Ognjanović

Milan Ognjanović

Executive Director of Chip Card

As a company with two main lines of business: Payment transaction processing and E-Money Institution, Chip Card aims to position itself as one of the chief companies in the SEE region, and to support all the standard and advanced payment instruments in the market of payment service providers.

In the past period, we have developed into a modern and well-structured organization which possesses the modern information-communication technologies and meets all the requirements for the provision and performance of transaction processing services, e-Commerce, card and terminal management, the monitoring of risks and risky transactions, and other services within its domain.

It is important for CC not only to do business, but to do business properly and conscientiously.

Our clients and their needs are always our top priority and it is our goal to provide the best possible service in line with high security standards, reinforced by knowledge, innovations and a positive approach to business.

Our clients about us

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Security is a basic characteristic of the services provided by Chip Card to the Bank, and in order to provide security, you have to have trust, which is the basis for all the other conditions for the performance of payment transaction processing operations for the Bank and on its account

Postal Savings Bank, Joint Stock Company, Belgrade
Payment Card and E-Banking Department

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We in OTP Bank think that payment security and efficiency are of utmost importance. We aim at providing our clients with top-quality user experience, with Chip Card as the right partner in that endeavour, as we believe their reliability and flexibility may sustain and support our growth

Darko Hujdurović
Head of E-Channel Administration Department
OTP Bank Serbia a.d. Novi Sad

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With Chip Card, we have many years of very successful cooperation in the creation of Web Shops, and with their processor for accepting payment cards, our clients receive a reliable and secure web solution. In addition, Chip Card support is very responsive and always ready to help.

Stefan Stanković
Owner – youngsoft.rs

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As one of the incorporators and users of Chip Card services since 2004, we can confirm a high level of reliability, availability and quality of the payment processing services, which is demonstrated by a high level of compliance with the stipulated norms and standards. We should emphasize in particular high data security and system availability as the basis of our successful business. ALTA banka a.d. Beograd has decided in favour of Chip Card services due to their technologically advanced solutions and flexible tariffs

Ljiljana Arsenijević
ICT Sector – ALTA Bank a.d. Belgrade

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By choosing Chip Card as the processor of the transactions taking place in mPOS terminals, we have been breaking records in transaction numbers on a daily basis. As the country’s biggest taxi service, we have realized multiple benefits with the introduction of card payments, and the first major project only paved the way for new projects such as COF, instant payments and numerous “benefit” projects which we organize with our partners.

Nebojša Andrić
CTO Pink Taxi

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ChipCard a.d Beograd, as an eMoney institution, has contributed to the high-quality and successful provision of e-payment services, and to supporting the payment of services through the eUprava Portal and at the payment points of local self-government units. The development of e-services, which are available to citizens and commercial entities from the eUprava Portal, has contributed to a high technological level of services and realized efficient e-administration focusing on citizens

Zoran Mišić
Deputy Director – eUprava