Case Study: ImageNPay achieves greener, more interactive digital payments with EPAM Systems

Making Digital Payments Interactive and Carbon Neutral

ImageNPay partnered with EPAM Systems to turn a bold idea into a practical payments product: a digital card experience that could replace plastic, let users personalize card artwork, and connect payments with brands, artists, and causes they care about. The challenge was to create a secure, user-friendly solution that worked on any smartphone, met banking and regulatory requirements, and preserved the card’s themed visual identity in digital wallets.

EPAM Systems delivered the end-to-end build, including backend development, iOS support, architecture and DevOps setup, SDK creation, security testing, PCI DSS certification, and ongoing image-catalog management. The result was a prepaid Mastercard virtual card app launched in the U.K. App Store in less than a year, eliminating the need for plastic cards while enabling dynamic still, animated, and video content; EPAM also helped ImageNPay prepare for future Apple Pay integration and expansion into new markets.

ImageNPay

Michael Donald

Chief Executive Officer