Trafalgar selects BPC SmartVista SaaS to launch modern SME debit issuing in Mexico
BPC announced today that Trafalgar SOFIPO, the neobanking arm of Trafalgar Asset Management (TAM) and a regulated financial institution authorized by Mexico’s National Banking and Securities Commission (CNBV), has selected BPC’s next-generation SmartVista platform to enable end-to-end debit issuing and processing for both consumers and businesses.
Delivered fully in the cloud under a Software-as-a-Service model, SmartVista introduces modern debit card products with real-time fraud analytics and strong customer authentication, giving Mexico’s SMEs a faster and more secure way to manage and fund spending domestically and across borders.
Trafalgar chose SmartVista as a SaaS deployment rather than on-premise in line with its strategy to maximize operational efficiency and focus resources on its core financial services, while minimizing infrastructure overhead not directly tied to its business priorities. Among all vendors evaluated, BPC was the only one capable of supporting the specific requirements of SME-oriented issuing, including variable spending hierarchies, multi-user authorization controls and integrated expense reconciliation; features often absent from solutions designed primarily for the retail market.
José Luis Mateos, chief operations officer at Trafalgar, said: “We needed a cloud-based platform capable of scaling with our vision and regulatory standards. With SmartVista, Trafalgar gains a modern, secure debit issuing capability that we can extend to SMEs through our digital channels. It strengthens our ability to launch quickly, operate efficiently and maintain the reliability expected from a regulated institution.”
BPC modernized Trafalgar’s card issuance with SmartVista Card Management and SmartVista Fraud Management, both delivered as SaaS. The platform supports the issuance of consumer and commercial debit cards, while its fraud prevention layer combines AI-driven rule-based scoring, behavioral profiling through machine learning and transaction-level controls to secure every channel.
Leveraging SmartVista’s advanced integration layer, BPC connected seamlessly to Trafalgar’s proprietary web and mobile banking platforms, which are powered by Incode Technologies for biometric verification, directly connected to Mexico’s national ID system (INE) and in the process of connecting directly to SPEI, the direct transfer network of Mexico’s Central Bank (Banxico). The integration also extends to Auronix, enabling transactional experiences and account servicing via WhatsApp, ensuring instant funding and a unified customer journey from day one.
The solution links disbursements directly to debit cards, allowing SMEs to pay suppliers and manage employee expenses instantly, without operational delays or on-premise infrastructure costs. With modern, fully cloud-based technology now supporting its operations, Trafalgar can accelerate the rollout of new financial products and capabilities with confidence.
Looking ahead, Trafalgar and BPC plan to extend the platform’s capabilities by adding credit card issuance and expanding into merchant acquiring solutions – building a comprehensive payments ecosystem for Mexico’s business community.
Daniel Hernández, business development director & country manager Mexico, BPC, added: “Mexico’s SME economy deserves advanced payments technology that is scalable, adaptable and moves at fintech speed. SmartVista’s cloud-native microservices and open APIs let Trafalgar innovate quickly, operate reliably and scale confidently, with advanced AI-powered fraud prevention tools embedded across the cardholder lifecycle. We’re proud to be their technology partner for what comes next.”