In one embodiment, chip-cards are fed from conveyor canisters individually into an array of N heterogeneous encoding assemblies of a heterogeneous chip-card production apparatus. Each chip-card is associated with a user account based on a database. Smart chips and magnetic stripes of the chip-cards are encoded asynchronously, electrically and magnetically by the N assemblies with N independent timing protocols for the N assemblies. Encoded chip-cards are deposited asynchronously in parallel by the N assemblies onto a conveyor belt and transported asynchronously and serially to a chip-card printer. The chip-card printer synchronizes each encoded chip-card with associated user account and prints on a surface of the encoded chip-card based on the associated user account. Parallel verification, serial verification-registration, and/or vision-based verification may be performed to verify and ensure consistency among printed text, patterns, custom labeling, magnetic encoded data, electrical encoded data, and associated user accounts. Faulty cards may be identified/rejected.