Credit card scanner:
faster than a human blink!

Smart Code Engine

— automatic and eco-friendly credit and debit card scanner.


Smart Code Engine SDK scans credit and debit cards of the main transnational and national payment systems worldwide. The card scanning of 21 worldwide and national payment systems is supported. Our bank card scanner SDK provides an automatic credit card scanning for cards of any type: embossed, indent, and flat printed, with horizontal or portrait layout, with digits printed on the front or backside of the card, in standard or flexible bank card formats. The accuracy of the credit card number OCR reaches 99.68% at a speed of 0.035 seconds per frame on modern smartphones. The important feature of our card scanner SDK is its compactness — the embedded packet size for Android and iOS apps is only 4.5 MB.


The user does not need to focus on the card to scan credit cards – our advances in Green AI algorithms made the card scanner truly automatic and autonomous. The user needs only to point the camera to the bank card. The credit card scanner SDK automatically detects the card at any angle and works even when the card is not entirely within the frame, then OCRs all necessary data on the fly. The Smart Code Engine credit card scanner is also resistant to poor lighting conditions and perspective distortions and can accurately scan worn cards. The credit card scanning is performed automatically, in real-time, and on-device — from video or a single photo.


Smart Code Engine bank card scanner SDK does NOT transfer any data and images to Smart Engines, third-party services and/or third parties for manual or other processing and does NOT save or store them (the card scanning process is performed in the local RAM memory of the device) and does NOT require internet access.


Our SDK scans credit and debit cards of various payment systems worldwide, securely extracts the card number (14-19 digits), the expiration date, the cardholder’s first and last name, and EU IBAN card numbers. SDK supports scanning credit cards issued according to the standards of VISA, MasterCard, Maestro, American Express, JCB, UnionPay, Diners Club, Discover, RuPay, Elo, Verve, VPay, Girocard, PagoBancomat, MyDebit, Troy, BC Card, Interac, Carte Bancaire, Dankort, MIR.


For KYC/CIP Smart Code Engine SDK can also scan the visible part of a bank card number with a hidden central part. Such images are a standard way to attach bank cards in remote identification and identity verification (KYC) procedures. Build-in presentation attack detection AI models help our customers to fight fraud. This functionality is available by request and additional charge.


Using our Green AI-empowered private GreenOCR® technology allows our bank card scanner SDK to make OCR credit card data on devices with limited processing power: from cheap smartphones (Android, iOS) to tablets, thin clients, data collection terminals, etc. At the same time, high-performance software allows you to create commercial solutions which process thousands of scans, photos, and video sequences per second.


The card scanning SDK is a GDPR, CCPA, PCI DSS compliant solution. The technology delivers a next-level user experience and security when entering bank card data for payments and money transfers in Android or iOS apps. Our technologies are successfully implemented in Kaspi Bank and SignD.


The card scanning software is distributed as a standalone SDK (software developer kit) containing the card scanning API (application programming interface) and all necessary description, documentation, and usage examples for various programming languages. The developers are provided with the card scanning API, which helps integrate ID document scanning into the software in C, C++, C#, Java, Python, PHP, Swift, and Objective C.


Our Green-AI-based SDK provides everything you need for creating a fast, precise, and secure credit card scanner app. SDK is fully autonomous — all computation is done on-device, it’s scanning astonishing fast — only 35 milliseconds per frame, and it’s precise — 99,68% of credit card number scanning accuracy, it’s lightweight — you can add credit card scanner with only 4,5 MB footprint, its supports credit cards scanning of 21 payment systems, its robust to capture conditions — you don’t need to train the user to use credit card scanner app. In addition, all credit card scanner apps built-in with our SDK are eco-friendly.


Smart Code Engine is previously known as Smart CardReader.

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Fully automatic credit card scanning in web apps and browsers for real-time payment data entry. Reduces friction in the payment processes for e-shopping, online services, gaming, and gambling.


Our state-of-the-art approaches to the video stream recognition process, based on the syntactic and geometric integration of frame shots, allow you to achieve a high-quality result in a blink with unprecedented quality.


Proprietary GreenOCR character recognition technology brings high quality with low power consumption, allowing our customers to achieve carbon neutrality without compromising the user experience.

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Test Drive Smart Engines

Try out Smart Engines technologies to scan credit and debit cards in photos and in a real-time video stream


Developed by our scientists and engineers within the framework of the Green AI initiative, our proprietary GreenOCR® technology provides superior recognition quality and speed with minimal energy consumption and environmental impact.


Our latest achievements in computational intelligence and deep learning allowed us to create next-generation OCR technologies and set a new benchmark of computer vision quality. The accuracy of the credit card number scanner reaches 99.68%.


Card types & layouts
The bank card scanner SDK detects and OCRs the card number, the expiration date, and the cardholder’s first and last name from various cards and print types. Credit card scanner supported embossed, indent, and flat printed cards, cards with horizontal or portrait layouts, with digits written on the front or backside of the card, in standard or flexible formats.

Our credit card scanner SDK is distributed for mobile, desktop, web, and server apps providing high-speed and quality card scanning for different operating systems and processor microarchitectures. We support iOS, Android, Linux family, Windows family for ARMv7-v8, x86, x86_64, and MIPS-based processors. For scanning bank cards on web apps and websites, we also provide WebAssembly SDK.


To increase the reliability, we use video stream recognition which comes directly from the camera. It allows our algorithms to automatically determine the moment when the most accurate result is achieved.


Supported payment systems
Our solution scan credit and debit cards issued according to the payment system standards VISA, MasterCard, Maestro, American Express, JCB, UnionPay, Diners Club, Discover, RuPay, Elo, Verve, PagoBancomat, Girocard, V Pay, MyDebit, Troy, BC Card, Interac, Carte Bancaire, Dankort and extracts the card number (from 14 to 19 digits). Smart Code Engine can scan card data from embossed, indent, and flat printed cards. EU IBAN cards and cards with vertical ID data alignment are also recognized.

Faster than the human blink of an eye
The highest performance is achieved by combining advanced computer vision algorithms, a special ultrafast and eco-friendly 8-bit neural network inference model, and special ultra-compact CNN architectures. The entire card scanning process takes 0.035 seconds per frame with a modern smartphone.


Our autonomous software guarantees that the scanned card data is not transferred and is not stored anywhere during the card scanning process. The whole card scanning process is run directly on end-user devices in offline mode without data transmission to the server. Smart Code Engine SDK does NOT break PA DSS/PCI DSS compliance.


Smart Code Engine algorithms automatically detect the card in the frame, automatically define the card type and make OCR. The user does NOT need to focus on credit card placement in the frame during the recognition and select the camera angles — we created an AI system that makes life easier for the client.

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How card scanner works on a smartphone

1. Credit card scanning is performed fully automatically in real-time mode. To enter the bank card data in the Android or iOS app, the user needs to show it to the camera.


2. Our credit card scanner SDK automatically detects the card in the frame and understands all the numeric and alphabetic fields in the video stream, the user does not need to specify the card type.


3. Smart Code Engine allows scanning cards data in different lighting conditions — from cards with any images and even from worn cards with faded digits.


4. For mobile and internet payment acquiring services, it is possible to enter the customer’s bank card data when paying in the mobile app or on the website using a single photo.


5. To confirm operations, you can use Smart Engines solutions for ID documents recognition (ID card, passport, driver’s license) in mobile apps.


Our card scanning SDK is easy to integrate into applications using Objective-C, Swift, C, C++, Java, C#, PHP, and Python interfaces for a wide range of systems: iOS, Android, Sailfish Mobile, Aurora OS, Linux, Windows, macOS, Solaris, etc. For easy embedding, wrappers for React Native and Flutter are also available for mobile app developers.


The SDK provides a rich set of code samples on how to use our card scanner with different programming languages for each operating system.

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Mobile credit card scanner SDK

The Smart Code Engine SDK allows you to turn an iOS or Android-based smartphone or tablet into an intelligent credit card scanner. Our original AI algorithms provide our customers with high-speed and autonomous credit card scanner of cards issued by standards of 21 payment systems. The Smart Code Engine SDK scans credit and debit cards at different angles and performs with high accuracy under various lighting conditions. The SDK can scan a credit card on a modern smartphone at an average speed of 35 ms per frame.


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Web credit card scanner SDK

Using WebAssembly (WASM) support, the Smart Code Engine credit and debit card scanner can be integrated into all modern devices with installed browsers (Mozilla Firefox, Google Chrome, Chromium, Microsoft Edge, and Apple Safari), including smart TVs and consoles. The card scanner SDK does not require special applications or special plugins. The use of unique neural network architectures allows you to recognize video data obtained from low-end webcams with a minimum resolution of 640×480 pixels.

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Desktop credit card scanner SDK

Deep software and hardware optimization of the algorithms for various processor architectures allow the Smart Code Engine to autonomously scan debit and credit cards on any PC (including nettops and all-in-one PCs), thereby turning them into high-performance workstations for entering and processing photo and video data obtained from image capturing devices (webcams, scanners, special document readers, etc.). A wide range of software interfaces provides the possibility of native integration into most information systems.


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Server credit card scanner SDK

Thanks to thread safety and efficient resource management, the Smart Code Engine SDK allows you to implement scalable AI platforms for automatic data extraction from any type of bank card of 21 payment systems. Unique algorithms for automatic debit and credit cards identification and localization in images (scans, photos, and video data) allow you to automatically process heterogeneous streams of input images. The payment card recognition performance on modern computers (with an AMD Ryzen Threadripper 3970X processor) reaches up to 100+ images per second for payments and KYC/CIP.


More about Smart Engines Server SDK     Send Request

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    Our customers

    Blockpass IDN

    Identity verification service Blockpass advances its KYC solution with Smart Engines


    Travizory Border Security selected Smart Engines product for identification documents scanning


    Raiffeisenbank scans identity documents using Smart Engines technologies

    Caribbean Airlines

    Caribbean Airlines improves passenger onboarding in its app with passport scanning by Smart Engines

    Send Request

    Please fill out the form to get more information about the products,pricing and trial SDK for Android, iOS, Linux, Windows.