Challenges

• Legacy systems from multiple acquisitions have been difficult to integrate into a seamless platform.
• The organization needed to accelerate payment orchestration capabilities in a compressed timeline to meet new market demands.

Solutions

• Enhance payment processing infrastructure by developing custom APIs, establishing user environments with access controls.
  • Apply modern microservices architecture
  • Integrate with TSYS and ACHQ
  • Enable environment to seamlessly integrate modules and platforms such as VISA Platform Connect
• Streamline payment methods by implementing tokenization for PCI DSS compliance, enabling instant invoice and receipt creation, developing a Virtual Terminal for debit/credit and ACH payments with customer wallet functionality.
  • Enable delivery of receipts via text messaging
• Establish advanced security measures through tokenization, BIN controls, and securing data storage.
• Integrate CRM capabilities, enabling speed to impact for customer and merchants.

Outcome

• Cost-effective processing with the implementation of a zero-cost processing approach and a subscription service for efficient processing.
• Frictionless payment integration through development of certified APIs for card-present transactions, POS terminals, and external platforms.
  • Agnostic payment processing across spectrum of payment methodologies
• Improved operational efficiency through the development of a terminal management system and enabling instant invoice/receipt creation to streamline operations.
  • Data is available real time, helping inform merchants of transaction failure reasoning, research capabilities, and batch/single transaction dispositioning.