Payment Gateway

• Access point to support EFT POS terminals and similar devices
• Connects one physical terminal with one or more banks (systems), applying protocol conversion as required
• Support for processing all types of transactions by applying appropriate business logic

Communication Support

• EFT POS terminals can be connected through PSTN, ISDN or TCP/IP connections, directly to Payment Gateway or over local (ZaC) concentrators
• Connections with banks over TCP/IP or X25

Extensive Protocol Support

• Authorization protocols
• Apacs 30/40, Visa I/II, SPDH, ISO-8583 (release 1987, 1993, 2001), BIC ISO, Hypercom ISO (HPDH)
• Easily extendable to other protocols
• Settlement and batch upload protocols
• Visa MDC batch upload, Apacs 40, SPDH and various ISO based settlements

Transaction Routing

• Routing business logic
• BIN range business logic
• Send requests directly to banks issuers
• Select preferred banks for processing specific card types
• Terminal logic – select preferred bank according to location or regional key
• Balance transactions between two or more banks according to balancing ratios set by user

Settlement

• Centralized settlement
• Terminals are closing the batch with ZaC system
• ZaC system is closing transactions with appropriate banks using correct format and procedure

Reformatting

• System applies protocol conversion as required by implementation
• Message reformatting between protocols
• Business logic adaptation between terminals and host systems (differences caused by protocols or limitations in POS or banking applications)

Cryptographic Support

• IBM 4764 PCI-X cryptographic adapter
• FIPS 140-2 level 4
• “Finance industry” standards and functions
• 3DES, RSA, SHA-1…
• Supports for different crypto schemes
• Master/session, Apacs 40, DUKPT…

Technology

• Current production version is based on Microsoft Windows
• MS Windows 2000/2003 Server
• MS SQL Server 2000/2005
• Eicon X25 i Eicon Diva Server ISDN adapters
• IBM-4764 cryptographic adapter
• New production version is based on Unix like operating systems
• AIX, HP-UX i Linux (Gentoo source code distribution) support
• PostgreSQL, Oracle, DB2 databases
• First operating release expected Q4/2007