Card and account payments processing As Service

Use the service, configured, deployed and tested

Integrate card payments schemes and payments protocols

Certification testing included

Continous Support and Business Analysis

Yearly payments service support for the service, testing and anaysis of mandates

SAAS neaPay products
Minimize risk for processing

Zero customer risk: Up and running before you pay

Use the service, pre-configured, tested with set up for your network

Contact Us for service

Card Payments Interfacing Integration Service

SAAS interface

All major Card payments protocols supported

Flexible configuration to fit Custom and Private protocols

Access new markets and new customers

Release new services without delays

Beat competition to market with the fastest MVP

Fastest time to market, zero delay

Let's get started

Cloud Card Payments Conversion as Service

Card and Account payments conversion as service

Convert & integrate new systems

Fast POC deployed to the cloud

Convert EMV QR Code

Interfacing with Fraud systems, Bank Host, Clearing Services, Cards or Balance management systems

Simple unified approach across all protocols to deliver the service;

Clear acceptance criteria within the predefined process

 

Integrate Payment Web Services

Keep up the pace and connect new services in record time

Make the move in a fast-paced market and stay ahead with fast service delivery

Stay on top of data sensitivity and compliance

Top level security with dedicated HSM or cloud solution

Integrate Mobile Application services, Mobile Banking

Integrate mobile services now , not in the future

Connect any web services like Apple and Google » We can help you build, purchase or implement mobile services and applications

Pre Certification Testing and Management

We can handle certifications through all the stages, from initial contact with schemes like Visa, MasterCard, Diners, to project closure. This includes:
» business case discussions,
» project opening,
» scope analysis,
» test plans preparation,
» test scope preparation,
» test execution and documenting the results,
» results analysis and validation,
» checking with the switches about the validity of the tests and offering support for validation,
» receiving of letters, project closure, thanking everyone involved.

Use Cases and Customer Implementations

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Integrate a new card scheme to existing processing system

ACI Base24-eps integration with proprietary switch protocol

The bank converts ISO8583 Base24 HISO93 to internal ISO8583 Host

The bank uses a processing company that runs BASE24 to process transactions, and the processor sends all transactions to the bank as HISO93

The Bank needs to convert these messages to its own legacy Host systems

The Converter receives all incoming traffic and convert each of them to ISO8583 Host custom format

The Converter converts all responses back to Base24 HISO93

neaPay Switch Router can be used to send messages to a database or web host as well

neaPay The Converter can be used to generate clearing files

Neobank Connects card payments transactions to web-based API Authorization system

ACI Postilion System Integration to API back-end

The bank integrates ISO8583 card payments transactions to WEB API JSON

The bank acquires all ISO8583 payments of ATM and POS through a partner Acquirer, and receive transactions for final approval.

The Bank chooses neaPay's ISO8583 Converter and Interface with the online Web system

The Switch service sends all transactions to the host and to the Card Payments Conversion Service

The Conversion Service receives all incoming traffic and converts it all to JSON

The neaPay Converter makes HTTP POST requests with the JSON body above

If the WEB API responds to the POST call, the converter can notify the Router Service, or another party

In case of no response, the Converter can log the request to a database, and retry later.

Legacy Bank adds new Acquiring Processing System to existing Card Processing

Avaloq Banking system Integration of new ISO8583 Acquirer

Converts ISO8583 to Avaloq SQL Oracle

The bank uses a processing company that runs a custom ISO8583 protocol to process transactions, and the processor sends all transactions to the bank

The Bank needs to convert these messages to its own Warehouse or Oracle Database processing system

neaPay Converter receives all incoming traffic and convert each of them to SQL and JSON

then converts all responses back to Postilion and auto populate responses

neaPay Switch Router can be used to send messages to a BLOB Warehouse as JSON

Frequently Asked Questions

The application Core is written in Java, runs on any platform where Java is availableThe configuration and behavior are written in JavScript, which is delivered to the customer


Most users run the POC on a workstation or Windows VM, but some use Mac or Linux platforms for initial acceptance
Non-stop and high load converters run on Linux servers or containers
Any cloud can be used, as long as it runs Docker Containers and an OS that supports Java. RedHat, Ubuntu, CentOS


As a microservice, each converter instance can run its own configuration to perform a separate task
Several converters can be run at the same time for ISO8583, ISO 20022, SQL/Oracle, Visa, Amex, MasterCard, clearing
Each microservice can therefore be redeployed, reconfigured and maintained separately


All connectivity, message formats, business logic, are usually delivered pre-configured, ready to run.
The customer can change all of the above, on-premise.
All configuration is easy to version-control (via git)


Super fast. Processing time is under 1 millisecond.
It can be limited by external IO, HSM, Database, of course.
Each microservice instance can be scaled separately, depending on load.
Scale with containers, service managers, or simply starting several instances and balancing them via the neaPay Switch-Router


POC in a couple of days. MVP in a couple of weeks.
Most common formats are already available.
The neaPay card payments ISO8583 converter can be set up for a POC in a few hours.
Depending on the size of the scope, we can get the most of it set up and tested in a few weeks.
We can then validate and go Live in 1-2 Months. Get a Free Price Quote

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