Payment Gateway

 

The Payment Gateway drives all the industry standard front-end devices such as ATMs, Point of Sale (POS) devices for processing of Debit, Credit and Smart cards, cash-in systems, and provides transaction authorization by connecting to Core Banking systems of different banks, interchanges and co-networks. Typically, a Payment Gateway is an electronic payment software for driving ATM terminals, transaction switching, card management and interfacing to National Payment Gateway and Payment Gateway’s of other banks. The Payment Gateway also integrates with new generation payment channels, such as internet payment gateway and mobile payment systems. As such the Payment Gateway is a must have solution for a payment solutions provider.

Architecture

Switch is high configurable to manage channels like ATM, POS, Ecommerce and for routing transactions to authorizing systems like HOST or external interface. It will be building on jPOS Stack and deployed on JBOSS to provide high scalability and availability to the switch.

Payment Gateway : Key Features

Functionality

  • Cash withdrawal, balance enquiry, mini statement, fund transfer and PIN change
  • Multi-lingual screens
  • Reversal mechanism and transaction reports
  • Screen configuration and user management
  • ATM configuration and support for any number of ATM terminals
  • Support for Track 2 and Track 3 cards
  • Online transaction monitoring tools
  • Card management interface supports different type of cards
  • Integration to Regulatory bodies for payments
  • Bill payment
  • Integration with Telecom operators

Technology

  • Supports all ATMs message ATMs DES / 3DES based PIN management
  • Hardware Security Module (HSM) supports PIN / CVV1 / CVV 2 generation, validation and translation
  • Routing Engine - routes messages to authorization system
  • Interchange I / F - uses ISO 8538 messaging to interface
  • Supports multiple Cash Dispense logic
  • Scheduler supports scheduling of batch processes
  • Transaction engine ensures processing and routing of messages per workflow

Benefits

Supernet’s Switch provides the following benefits to the financial institution and its customers –

  • The application provides switching and routing to major networks, card associations and processors.
  • Supports the routing of transactions through various delivery channels including smart mobile devices and phones
  • Our Switch also allows a common set of middle office services to be accessed by multiple channels and supports a wide range of POS devices and ATMs
  • The switch supports high volume, high availability processing through a scalable architecture that can run on a variety of platforms
  • Our Switch will be connected to the National Switch, which in turn will help route transactions to other Bank switches, networks and ATM terminals
  • Support consumer e-payment transactions

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