Our Services

Payment Solutions

Terminal Management System


  • Supports any Ingenico terminals
  • Provides a full suite of facilities to control POS terminals and their software
  • Graphical user interfaces are provided to allow the user to define, configure and update POS parameters and tasks
  • Customized profiles to maximize the operational speed and reduce errors
  • Database Replication concept to minimize the user errors
  • Approval facility to each and every record before allowing data to reach final database
  • Instant remote program downloading and updating facility through Rs232,TCP/IP, PSTN, GPRS, Wireless network
  • Maintain Access rights and user privileges
  • Web Based Application
  • Multiplatform deployment
  • Diagnostics and statistics reporting


  • User Friendly Interface
  • Enhancement Flexibility
  • Scalable
  • Utilize cost effective strategy by minimizing onsite intervention
  • Supports any protocol because of the enhanced Network communication controller from ingenico,thus make the life easier for any implementation
  • Modular design to suit the exact business requirements and thus helping to get the application for the cost you desire
  • Minimize maintenance cost
  • Less down time
  • Increased Productivity and Profitability
  • Simplified Deployment and Management Process

EFT POS Application


  • Process all types of payment cards
  • Dynamic Menu based Screen
  • EMV support (ADVT & TIP Certified)
  • Multiple Host Routing
  • Multilingual Support
  • Dynamic Currency conversion
  • Fast deployment of private and gift cards and phone top-up
  • Transaction queue busting
  • Secure consultation of transactions and powerful reporting mechanisms
  • Compatible to ISO 8583, APACS 30, APACS 40, APACS 50, VISA MDC, SG TMS protocol and SPAN2 protocol
  • Real-time credit card payment authorization in a secure payment environment
  • Dynamic on the click report generation by date, operator, batch, outstanding balances, daily deposit report
  • Supports communication mode Dial Up, TCP/IP, GSM/GPRS, Bluetooth and FTP
  • Robust and Rapid Authentication and authorization guaranteed using Key management system (Master/Session Key, Racal Transaction Key Scheme and Derived Unique Key)
  • Interconnect with any host including authorization centre ,banks and other payment service providers


  • Flexible, scalable and Reliable
  • Instant account to account money transfer for retailer and customer
  • Increased Accuracy and Efficiency
  • Reduced consumable cost because of single receipt combined for EFTPOS and POS
  • Allows speed and flexibility in responding to customer and market requirements
  • Interfaced EFT with POS applications minimizes costly keying errors and increase customer throughput
  • Simple and easy installation
  • Deliver significantly Lower EFT processing cost

Integrated Solution


  • Unique integration tool that enables end user to simplify the integration of software and hardware components with EFTPOS
  • Capable to manage external peripheral devices such as displays, printers and keyboards that may be required
  • Highly customizable solution with flexible implementation capability with any deployed solutions catering to all walks of business Retail, Banking, Petroleum, manufacturing, insurance, hospitality, health industry..Etc
  • Our solution integrates devices closely coupled to the point of sale or devices that reside on an IP-based LAN or wireless infrastructure
  • Automatic routing of transaction from merchant POS to authorization server
  • Secure Key Management Scheme(APACS40 RTKS) is used by Pin pad
  • Pin Pad can perform Request and Response Block MAC Calculation and verification.
  • Carries out Pin block Generation
  • ECR initiate the payment authorization request and send the response back to the pin pad and generate receipt


  • Easiest and secure integration with POS Software and Hardware Components
  • Least complexity
  • Less overhead cost since integration happens without modifying existing POS software / hardware
  • Provide simple and easy to use interface
  • More counter space by avoiding additional transaction processing equipment and dedicated telecommunication

EMV Solutions

EMV Card Personalization Solution


  • Import existing files of employees and manage them in a professional database
  • Capture portrait photos or signatures and optimize them
  • Design card layouts as per EMV card specification and standards
  • The software contains an advanced barcode library, magnetic stripe encoding and chip encoding, and as an option smart card contact/ contact less encoding
  • Powerful search facility
  • High quality photo and signature capture system Card Preview
  • A user-friendly surface and a number of optional special functions
  • Supports Batch Printing and Encoding
  • Supports personalization of contactless cards
  • High security ensured by the host security module
  • Online operations done for each card to be personalized through CCM server to enhance key management operation
  • Smart Scope Explorer to check the electrical personalization validity,chip content and consistency magnetic stripe data and chip
  • Smart scope valuator to Simulate to assess card behaviour against the expected response
  • Solution comply with EMV security standards

Central Issuance Solution


  • A Complete solution for personalization and post-issuance management of single- and multi-application smart cards
  • Information gathered from a number of locations are collected at a central point, from which all cards are personalized and prepared for distribution to the cardholders
  • Supports multiple database and allows Data Retrieval, Image Capture, Card Issuance and Reporting.
  • Comply with EMV security standard
  • Import data from card management system and give the necessary cryptography using safenet HSM
  • Smart process to manage cryptographic device and key management tool
  • Supports issuance of Java TM, Multos and native card
  • Supports customizable import process
  • Direct interaction with CIM machines
  • Ready to use production file generation
  • High security ensured through encryption using key management schemes (Master/Session, DUKPT and RTKS).


  • Prevention of theft and fraud there by safeguarding the bank as well as the user
  • In-house personalization allows banks to take full control of the issuance
  • Helps bank to focus on their business rather than focusing on personalization centers
  • Offers the banks with specific EMV profiles and advanced EMV cards customization options

Branch Issuance Solution


  • Enables smart card issuance instantly from bank branches following a successful registration or instant replacement of lost or stolen card in less than a minute
  • Any secure PIN PAD can be used to allow card holder to use his or her pin or alternatively an IVR can be used
  • Our instant issuance system offer full compliance with EMV standards which sets the security standards required for banks, credit unions and other financial institutions to instantly issue EMV Cards
  • High security ensured through encryption using key management schemes ( Master/Session, DUKPT and RTKS )


  • No duplication and time involved as in central issuance system
  • Reduction of distribution cost and time involved for sending the personalized mail as in case of central issuance system
  • Avoidance of unnecessary disputes caused because of unreliable delivery through external agents
  • Secure since EMV data remains in the central server and is downloaded only on request by the bank branches only non personalized cards are sent from central head office to the bank
  • Enhanced customer service because of on time delivery and allowing customer to choose his preferred pin
  • Faster activation
  • Customer mind inducement by providing new instant card
  • Immediate spending and hassle free cashless shopping by the customer

Value Added Solutions

Mobile E-Top Up Solution


  • Provides E-Voucher by providing PIN number of 12 digits or E-Top Up where recharge directly send to phone and provides SMS notification to customer
  • Supports multi environment processing
  • Flexible and easy configuration
  • Centralized Processing Service and very integrated CRM solution to manage each merchant and terminals
  • Advanced reporting options and in-depth logs that provide accurate analyses of every aspect of a prepaid operation
  • Unique multifunction solution to manage e-ticketing, fund transfer, coupons, discount and prepaid cards


  • Eliminates Costly Scratch Cards
  • Reduced Distribution Cost
  • Add airtime to mobile phones anywhere & anytime
  • Elimination of costly scratch cards
  • Reduction of the distribution cost
  • Act as intermediary between service provider and sales channel

E-Wallet Solution

  • Our new generation of e-wallet solutions supports all common set of protocols for putting information into online forms and POS terminals agreed upon by all major players in the industry
  • It works with any web-security software or POS terminals and enables our e-wallets to automatically feed customer information into the payment forms of participating merchants
  • Our e-wallet is stored on servers controlled by your bank or other service providers, whose software manages the exchange of information with the merchants' sites
  • Can stand alone or integrated with existing financial products and network
  • Enable transfer of money to wallet holders, Receive payments online, issue invoices and management of accounts in high secure environment
  • Supports multiple global currencies, various levels of tiered commission management structures and distributor functionality, client management and access portals

Loyalty Application

  • Enables retailers and specialty providers to manage in-house, end-to-end gift card and stored-value programs
  • Deliver a range of tailor-made, profit-building solutions with minimal effort via an intuitive POS interface
  • Can manage a variety of gift card types and stored value offerings that can be used for promotions, rebates, refunds and more
  • Powerful and sophisticated intelligence gathering and reporting capabilities
  • A central hub where business activity and customer activity data is consolidated and analyzed
  • Personalization module to transform a blank smart card to a customer specific information and maintenance of personalized database
  • Merchant module to each merchant to award loyalty points to customers and capture vital information
  • Simple and Easy implementation
  • Enhanced shopping experience to customers.

E-Insurance solution

  • Processes insurance electronically (Policy details, claims, submission and Audit)
  • Utilize pin based or biometric based security mechanism to avoid unlawful use of stolen or lost cards
  • Prompt and secure verification of entitlement (configurable, rule-based) via a central, high-availability system
  • The card is loaded with the Insurance policy details, basic medical information of the bearer and the names of authorized Health care service providers and agencies participating in promotional programs
  • When transaction takes place, these records are updated and transmitted to the Insurance service provider over a network connection
  • Every time the insurance needs to be renewed, the only information required to be updated is the expiry date

Health Card Solution

  • Will contain information such as demographic information, brief medical history, blood type, allergies and health insurance policy details.
  • Will act as an e-purse to perform hospital payments.

Fuel Management System

  • An application that allows petrol distribution companies to issue cards to their customers to be used by them within the petrol distribution network of stations