Capabilities
Transaction Processing
Real-time authorization engine, transaction types, channels, CBS posting, and settlement processing.
Authorization Flow
Authorization Checks (in milliseconds)
| Check | Description |
|---|---|
| Balance Verification | Real-time balance check with CBS |
| Limit Validation | Per-transaction, daily, weekly, monthly |
| Velocity Checks | Count and amount within time windows |
| Fraud Rule Evaluation | Rule-based + risk scoring |
| Merchant Category | Allowed/blocked MCC codes |
| Geographic Validation | Country-level controls |
| 3D Secure | Authentication for online transactions |
Transaction Types
| Type | Description |
|---|---|
| Financial Authorization | Purchase, cash withdrawal |
| Pre-Authorization | Hold for hotel, fuel, etc. |
| Partial Authorization | Approve for available balance when less than requested |
| Reversal | Cancel a previously authorized transaction |
| Adjustment | Post-authorization amount modification |
| Chargeback | Dispute-initiated reversal |
| Representment | Merchant response to chargeback |
Transaction Channels
| Channel | Capabilities |
|---|---|
| POS | Chip & PIN, contactless/NFC, magnetic stripe fallback |
| E-commerce | Card-not-present (CNP), 3D Secure, tokenized, recurring |
| ATM | Cash withdrawal (on-us/off-us), balance inquiry, mini-statement, PIN change |
| Mobile Wallets | Google Pay, Apple Pay, Samsung Pay — NFC and QR |
Real-Time Posting
- Immediate debit posting to CBS on every transaction
- Real-time balance update — no batch lag
- Synchronous CBS integration
- Posting confirmation and failure handling
- Automatic retry on CBS communication failure
Settlement
| Capability | Description |
|---|---|
| Network Settlement | Settlement file processing from Visa/MC/RuPay |
| Issuer & Acquirer | Bilateral settlement support |
| Cross-Border | Multi-currency settlement with FX conversion |
| Fee Settlement | Interchange and fee allocation |
| Reconciliation | Automated file generation and matching |
Card Lifecycle
Complete card lifecycle management — ordering, issuance, activation, PIN management, status transitions, replacement, and renewal.
Digital Wallets & Tokenization
Token service provider integration, mobile wallet support, token lifecycle, and card-on-file tokenization for regulatory compliance.