APS (Activation Power System) card is
today’s safest and smartest payment card

Using activation system, APS fundamentally prevents card fraud,
saving issuer fraud management costs and providing users with profound security.
APS provides multi-level of security authentications, activation and OTP system.

When a card is not in use, all card-holder information such as
card number, name, expiration date, and CVC/CVV does not appear on the screen.

APS card can be used only when it is authenticated by the right holder.
It is possible to have dynamic CVC, thus, every time you activate your card CVC changes.

We have you covered.

APS card does protect true owners and issuers from illegal use of the card and related damages.


  • Number of credit and debit cards:
    more than 9 billion pieces (766 million in the EU in 2014)
  • Global card fraud losses hit $ 21.84 billion
    (total card sales volume = $ 28.844 trillion)

Consumer Payment Systems in the U.S. 2010 vs. 2015(Bil.)

  • $50.7


  • $17.0


  • $21.2
    Credit cards


  • $49.9
    Debit cards


  • $9.2
    Electronic payments


The Nilson Report® 2016

APS card is developed to resolve card fraud worldwide.

APS card communicates with smartphone

APS card is a smart display payment card
connected to your smartphone

  1. 1. Card not Activated

    No information displayed

    Paying chip not activated

  2. 2. Activate with Smartphone


  3. 3. Card Activated

    Card information displayed

    Dynamic CVC


  • Safe

    APS card does protect a true owner from both offline and online fraud attemps.

  • Secure

    Unless the card is activated, card information (including cardholder’s name, card number, expiration date and CVC) is invisible. No one can use except a true owner.

  • Infrastructure

    Maintaining the same advantage of traditional card.

  • Convenience

    APS mobile application enables you to set features, limits and modes of your card: various validation modes, payment history, payment GPS location and many more.

  • Approval

    Applicable to any card: MasterCard, American Express, JCB, Discover, Union Pay certification ... in process.

  • Easy

    The battery of the card has a long life capacity no worry about recharging.

  • And more

    State of the art & fashionable!

We got the solution that issuers like …

Reduced or eliminated insurance costs.

Enhanced card security

Provide competitiveness to banks

New revenue mode

Would you like to learn more about APS card?


APS cards hold EMV certified chips

In process

  • MasterCard
  • JCB
  • UnionPay


  • (No.5920747) acquired
  • (No.2016-185857) in application
  • (No.PCT/JP2016/52391) in application
  • (No.2016-183194) in application
  • (No.105102811) in application
  • (No.2017-129364) in application


Where can you get the APS card?

  • Would you like to start using an
    APS card?
  • Simply request your bank to
    switch to secure APS card.
  • Please note we are supplying the
    cards to issuers only. Today,
    end-users are unable to buy the
    card directly from APS company.

Activation Process

  1. step1

    Tap your card to switch it on

  2. step2

    APP pops up on the
    pre-registered mobile phone
    for authentication process

  3. step3

    Confirm the activation on the App

  4. svtep4

    APS card is now activated
    and ready to use

How paring & user manual

Mobile Application

APS card connects to your a smartphone.
Mobile App* is used for authentication and adjusting the card settings to your preference.

  1. 1 Activation time limit settings : 1 minute to 6 hours (default 5 minutes)
  2. 4 E-mailing of payment records
  3. 2 Maximum number of payments with each activation from 1 to 10
  4. 5 Spotting the GPS payment locations up to 5 years
  5. 3 Payment history tracking up to 5 years
  6. 6 And much more great features

Test users can download
the APS App directly from the AppStore
from the App Store and the Google Play


Our Story

APS S.A. has been set up in Luxembourg in April 2016 as a result of a 2 years Research & Development on payment card security technologies and an extensive market research of the card-manufacturing industry. The founder Mr. Lee in cooperation with in Korea, have developed a payment card that guarantees safety in any payment channels, online and offline. The core business of APS S.A. is to develop, manufacture, market and sell APS cards.(continue)

APS Tomorrow

We don’t stop just here …

APS CARD can be applied and used in many field.

  • public services and
     transport payment card
  • multi-card
    (several cards in one)
  • secure Student/
    Company ID and payment
  • Bitcoin credit card
  • and more…


Having started from Luxembourg, we are going to connect to issuers worldwide.
Who can be APS customers

  • the Norinchukin Bank
  • Royal Bank of Scotiand
  • ICBC
  • Santander
  • SMBC
  • KB
  • Standard Chartered
  • MUFG
  • ING
  • citibank
  • JPMorganChase
  • Deutsche Bank
  • HSBC
  • Bank of America


Head Office : TECHNOPORT, Rue du Commerce L-3895 Foetz LUXEMBOURG
R&D Center : #1101 ACE Gwangmyeong Tower, 108 Haan-ro,
Gwangmyeong-si Gyeonggi-do, 14319 KOREA