Card Issuer Integration Guide
This guide covers the technical requirements and integration paths for card issuers implementing Vero.Integration Architecture
Three integration paths
1. Full Native Integration (recommended)- Add Vero SDK to existing banking app
- Receipts appear in transaction history automatically
- Typical development timeline: 2-4 weeks for experienced mobile teams
- Drop-in receipt viewer component
- Handles encryption/decryption logic
- Faster integration: 1-2 weeks
- Webhook receiver for encrypted receipts
- Build custom UI in your app
- Maximum flexibility for custom implementations
Security & Compliance
Cryptographic architecture
- RSA-2048 encryption with client-side key generation
- Hardware security module integration (iOS Secure Enclave, Android KeyStore)
- Private keys never leave user devices
Compliance considerations
- GDPR-compatible design (user controls all personal data)
- PCI-DSS compatible (receipt data outside cardholder data scope)
- Cryptographic audit trail for regulatory requirements
Fraud prevention features
- Dual signatures from merchant and issuer prevent receipt forgery
- Tamper-evident cryptographic seals
- Real-time verification of merchant legitimacy
SDK Reference
Available SDKs
- Swift (iOS) - production-ready
- Kotlin (Android) - production-ready
- JavaScript - for web-based banking portals
- API specifications for backend integration
Developer resources
- Complete technical documentation
- Sandbox environment for testing
- Integration support
Technical FAQ
How long does Vero integration take?
How long does Vero integration take?
Full native integration: 2-4 weeks for experienced mobile development teamsHosted solution: 1-2 weeks with drop-in componentsAPI-only: Timeline varies based on custom UI requirements
Do we need to store or manage customer private keys?
Do we need to store or manage customer private keys?
No. Private keys are generated and stored exclusively on user devices in hardware security modules (iOS Secure Enclave, Android KeyStore). Your infrastructure never touches private keys.
How does Vero integrate with existing fraud detection systems?
How does Vero integrate with existing fraud detection systems?
Vero provides itemized transaction data and dual cryptographic signatures that can be incorporated into existing fraud models. The protocol includes merchant verification and tamper-evident seals.
How do we handle merchants who don't support Vero yet?
How do we handle merchants who don't support Vero yet?
Vero degrades gracefully. Transactions at non-participating merchants continue normally—customers simply don’t receive itemized receipts for those purchases.
Is Vero compliant with banking regulations and data privacy laws?
Is Vero compliant with banking regulations and data privacy laws?
Vero is designed for compliance:
- GDPR: User controls all personal data with client-side encryption
- PCI-DSS: Receipt data falls outside cardholder data scope
- Banking regulations: Cryptographic audit trails support regulatory requirements
What happens if a merchant goes out of business?
What happens if a merchant goes out of business?
Receipts remain accessible to users indefinitely since they’re stored client-side on user devices. The cryptographic signatures provide proof of purchase regardless of merchant status.