SmartSwitch
Read how Russia's largest private sector bank and a dominant telco used SmartVista to bring the possibility of easy and convenient payment services to millions of mobile phone users across Russia.
Executive Vice President
Afriland First Bank Group, Switzerland
Processing Switch
SmartVista’s SmartSwitch solution provides a real-time transaction engine for payments switching to enhance your online processing power while retaining legacy card management environments. SmartSwitch manages the complete end-to-end requirements of payments switching by delivering three core areas of functionality including interface support, authorization routing, and stand-in authorization.
SmartSwitch provides an online interface to link external devices, such as POS terminals or ATMs, to the Internet and mobile payment systems, then routes card transaction data to the issuer. SmartSwitch features predefined processing switch that interfaces to the world’s leading ATMs and POS equipment vendors and to all international payments brands, as well as domestic and local payment networks—making implementation simple and straightforward in any environment. SmartSwitch also interfaces to host systems and communicates to other types of external systems such as payment service providers.
Real-time Authorization Processing
SmartSwitch supports online payments authorization and payments switching, sending authorization data from the point of acceptance to the issuer and then back to the device—electronically connecting the card issuer to the transaction. If the issuer is unavailable, SmartSwitch “stands” in" and authorizes the transaction against the issuer’s predefined set of parameters, ensuring that customers can continue to complete transactions. Once the issuer is available again, SmartSwitch provides an immediate upload of all stand-in authorizations.
Optimized Routing
SmartSwitch includes sophisticated processing switch algorithms to optimize authorization routing and also includes the ability to format individual messages quickly and easily to adapt to your particular needs. In addition, the solution provides complete network management capabilities, allowing you to continually monitor the state of the network and automatically re-establish connectivity in case of failure. SmartSwitch also features an automatic key management capability between different networks that provides the option to use a different key for each transaction, significantly enhancing network security.
Real-time Authorization Processing
SmartSwitch supports online payments authorization, sending authorization data from the point of acceptance to the issuer and then back to the device—electronically connecting the card issuer to the transaction. SmartSwitch continually monitors the availability of issuers across the system in real time.
Special Console Administration Utility
SmartSwitch provides a web interface that allows operators to monitor all connected delivery channels and overall system health.
Modular Architecture
SmartSwitch employs a kernel modular architecture that extends the range of authorization processing interfaces for different processing
functions. Each plug-in enables a function and several plug-ins are pre-installed to support basic functions such as specific interfaces and specific authorization of processing scenarios.
Fully Configurable Setup
SmartSwitch provides integrated, configurable communication protocol setup for TCP/IP and X25, as well as monitoring and recovery parameters for external devices and systems according to specific business rules and logic, helping maintain client service levels.
Network Management
SmartSwitch supports configuration of message formats and the setup of monitoring and recovery interfaces. In addition, the solution provides complete network management capabilities, enabling continual network monitoring to re-establish connectivity in case of failure.
Contact us today to request more information or discuss how BPC can help transform your payments business.
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