Payments and cards under control

Some traditional banking services such as payments are disrupted by non-banking providers or peer-to-peer platforms. Gain full control over various payment types and instruments, maximise efficiency and quickly adopt innovations. We will assist you with any payment origination and processing and payment card management.

Payments

Payments

Payment origination and processing of all types of payments cannot be easier.

With our Integrated Payment System (IPS) product, you have one solution covering multiple payment scenarios. This involves all forms of payments within the local payment system in the Czech Republic and Slovakia, SEPA Credit Transfers (SCT) – comprehensive support of SEPA payments, SEPA Direct Debit (SDD) – debit forms of payment (CORE and B2B). The next step will be the comprehensive coverage of SWIFT MT*payments support. IPS provides an interface for external systems, which allows input of payments and definitions of products (standing orders, debit transfer authorisation and others). Processing is possible online and is fully automated, or, on the other hand, with operative intervention (authorisation of payments, verification of products settings).

Cards

Cards

Let your clients manage their payment cards online. Give your employees a powerful tool so that they can easily change payment card settings.

With our Cards product for the administration of payment cards, you have a sophisticated interface among banking systems and the payment card provider. It can be implemented as fully independent and autonomous, or as an interface to various external card management systems. It covers the whole card management lifecycle. It supports cards’ issuing, receiving and processing of authorisation enquiries (including technological as well as functional H2H solutions), receiving and processing of card transactions. There is, of course, the management of complementary services, fee generation for both transaction and card management, event-based fee generation - limit changes, searching and monitoring of online authorisation enquiries (suspicious and risky payments), statement generation, extracts for DWH, sending SMS about authorisation enquiries, etc.

Fees

Fees

Fees are a very important source of income for all bank. Therefore, flexible fee structures setting, and fee calculation are vital for every bank.

We can assist you with our Fees product. It handles the creation and administration of different fee structures, fee remission and the return of fees, bundling, etc. Fees are generated based on the events from various systems and consequently sent to applications, which enable the billing of flat fees (e.g. administration account fee), as well as transaction fees (e.g. incoming clearing payment) and account items (e.g. for account book entry of incoming clearing payments).

Interfaces

Interfaces

Core Banking systems are the basic building blocks of every bank. Their primary goal is not to support online access via direct channels in 24/7 mode. Usually specific integration platforms or interfaces are required.

We offer a sophisticated Interface connecting direct banking and other banking systems. The core of this interface is input security for a banking systems or related modules (e.g. payments’ input), on the basis of active online identification of changes and events in the banking systems and sending information to external systems (e.g. online information regarding changes of account balance). In addition, it enables account management (opening, closing accounts, and therefore distributing these events to external systems), distribution of rates and catalogues, receiving and processing (fully automated or with operative intervention) of payment orders, debit orders, term deposits, standing orders etc. Further, it actively informs the external systems regarding changes of account balance, account locations, processed transactions, rejected payments, changes of term deposits, credits etc.

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