Retail & Fintech Solutions
Payment Switch, for transactions that never stall.
Real-time routing for card and digital payments across ATM, POS, online and mobile channels, with built-in security, fraud controls and settlement. We help you plan your setup, connect to card schemes and banks and keep transactions running around the clock.
Everything from the first tap to final settlement.
A payment switch covers the whole transaction: routing it, securing it, settling it and reconciling it.
Transaction Routing
Every payment sent to the right place, first time.
The core of the switch: each transaction is read, checked against your routing rules and forwarded to the right card scheme, issuer or bank. If a route is slow or down, traffic moves to a backup automatically so payments keep flowing.
What you can do
- BIN-based routing to the correct issuer or network
- Rules by amount, currency, channel or merchant type
- Least-cost routing to reduce scheme fees
- Automatic failover between routes
Why it helps
- Fewer declines caused by network outages
- Lower processing costs on every transaction
- New banks and schemes added without rebuilding
Multi-channel Acceptance
ATM, POS, online and mobile on one platform.
One switch handles payments from every channel your customers use, so you run a single system instead of one per channel. Message formats are translated automatically, letting older terminals and modern APIs work side by side.
What you can do
- ATM, POS, e-commerce, mobile wallet and QR payments
- ISO 8583, ISO 20022 and REST API support
- Translation between different message formats
- Credit, debit and prepaid cards on one platform
Why it helps
- One system to run instead of several
- New payment channels launched faster
- Existing terminals kept in service longer
Security & Key Management
Card data protected at every step.
Sensitive data is encrypted from the moment it reaches the switch. PINs, keys and card numbers are handled inside hardware security modules, and tokenization keeps real card numbers out of the systems that don’t need them.
What you can do
- Hardware security module (HSM) integration
- PIN translation and encryption
- EMV chip cryptogram validation
- Tokenisation of card numbers
Why it helps
- Reduced exposure if a connected system is breached
- Easier PCI DSS and PCI PIN compliance
- Customer trust in every transaction
Fraud & Risk Controls
Suspicious transactions stopped before they’re approved.
Every transaction is checked in real time against rules you set, from spending limits to unusual patterns. The switch can also connect to external fraud engines, and stand-in processing approves or declines within set limits when an issuer is unreachable.
What you can do
- Real-time rules and velocity checks
- Card, merchant and terminal blacklists
- Integration with external fraud systems
- Stand-in processing when an issuer is offline
Why it helps
- Fewer fraud losses and chargebacks
- Payments still approved during issuer downtime
- Controls adjusted without code changes
Clearing & Settlement
The money moves as accurately as the messages.
After a transaction is approved, the switch prepares the files and figures needed to move the actual funds between banks. Fees are calculated automatically and records are matched across every party, with mismatches flagged for review.
What you can do
- Settlement files for card schemes and banks
- Automatic fee and interchange calculation
- Net settlement between participants
- Multi-source reconciliation with exception handling
Why it helps
- Less manual work in finance teams
- Errors caught before they become disputes
- Faster, more predictable settlement
Monitoring & Availability
Always on, always visible.
Live dashboards show volumes, approval rates, response times and link status as they happen. The platform runs in a high-availability setup with disaster recovery, so a single failure doesn’t stop payments.
What you can do
- Live transaction and link dashboards
- Alerts on failed routes and slow responses
- High-availability clustering and disaster recovery
- Scheduled operational and regulatory reports
Why it helps
- Problems spotted before customers notice
- No lost sales from single points of failure
- Reports ready for auditors and regulators
What happens in a single tap?
Every payment travels the same path in a few seconds: from the card to the issuer and back, then on to settlement once the money moves. The switch runs each step, so nothing is lost, delayed or sent to the wrong place.
Initiate
A card is tapped, inserted or entered
Route
The switch sends it to the right network or issuer
Authorise
The issuer approves or declines
Respond
The result returns to the terminal
Settle
Funds move between banks
Reconcile
Records are matched, ready for the next cycle
Is it right for you?
If any of these sound familiar, a payment switch can help. Tell us about your payment setup and we will suggest the right platform and deployment.
Start from the problem
Payments fail whenever one network goes down
Transaction routingWe run a separate system for ATMs, POS and online
Multi-channel acceptanceOur audit keeps flagging how card data is handled
Security & key managementFraud is only caught after the money is gone
Fraud & risk controlsFinance spends days matching settlement reports
Clearing & settlementWe hear about outages from customers first
Monitoring & availability
Ready to keep every payment moving?
Tell us about your channels, volumes and the banks you work with. We will suggest the right platform and deployment and plan the rollout with you.