ACE PIN over SMS

An easy and contemporary solution

Cardholders no longer have to wait for the postal delivery of their payment card PIN mailer. AUSTRIACARD provides an easy and contemporary solution: PIN over SMS.

The service uses the standard and globally available Short Message Service (SMS) technology and ensures a flexible and secure PIN distribution. The SMS gateway is hosted by AUSTRIACARD and can be connected directly to either national mobile network operators or SMS mass aggregators.


PIN over SMS

AUSTRIACARD developed a flexible and secure distribution of the PIN over SMS.

Benefits of the solution

  • Instant cardholder PIN access for card usage
  • Easy handling
  • Strong security using two factor authentication
  • Replacement of additional PIN mailer printing and courier service
  • Environmentally friendly

Just One Number Away

To enable the use of the PIN over SMS service, the data interface between the issuing bank and AUSTRIACARD has to be extended with the mobile telephone number of the cardholder. This process is simple and time-efficient, while at the same time guaranteeing data protection across all stages.

AUSTRIACARD’s data management system is processing all relevant information necessary to enable secure PIN value distribution via the SMS gateway directly to cardholders. This procedure saves money and time for the PIN issuer.

Find more information in our AUSTRIACARD Payment Portfolio.




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