ISO8583 Payments Micro Switch Router


  BIN-prefix routing
Amount Micropayments Limits
Institution Merchant Acquirer
Error Limits Frequency

  Cloud container microservices switch
Interface and configure any payments format
Integrate web services, clearing files, databases

Container orchestration software to ensure redundancy, performance, service uptime

Leveraging microservices to have a lightning fast time to market

Payments switch router iso8583 neapay


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Switch any payments device

ISO8583 Payments Switch for any payments

  10% of the cost

Buy a platform which has only the functionality you need. Save money, time and infra cost and buy what you use. No need to buy a product which you use only 5% of

  Cloud and Containers

On-premise or in the cloud, use the newest container technologies to go to production in record time

  Maximum Service Uptime

Ensure Service uptime by leveraging the newest and best cloud computing services, simple, easy and cheap

  Ultra fast to implement

POC takes a few hours, a running system can be up in about a week. No need to plan it all in advance, Incremental implementation is possible

Switch POS, ATM, Web, Acquirer, Issuer

Route by Brand: Visa, MasterCard, Amex, Diners, JCB, Discover

Route terminals: ATM, POS, e-commerce

Switch to Converter for SQL, JSON, XML, other formats

Separate containers for separate functionality

In-house customizations of business logic, message format, connections

Web services and clearing formats connected to ISO8583 interfaces

Supporting any Major Debit and Credit brands

Go to list of features

 

Features List

Customer support options

 

Support Options

Technical Architecture overview

 

Architecture

Documentation, Get started guide

 

Documentation
neapay ISO8583 Switch and Route

Switch, Router, Stand-in for payments

Standalone server or microservices

Visa, MasterCard, Bank host, ATM, POS, e-commerce

Web services integration and clearing formats are just as easy to configure

We support files read and write as well as Web Services with HTTP

 
 
 
 
 

Affordable and reliable

Affordable - buy only the features you need

Reliable - leverage cloud and orchestration systems

Low maintenance - let the clouds do the work for you

Easy - Fast and easy deploy to cloud services

Deploy on Container Registries , Azure App Services , or simple Aws EC2

Free - So lightweight that it MUST run in the Free Tier of the cloud

 

ISO8583 Switch Routing with containers

Powerful scalable core: Docker, Kubernetes, any cloud

Scripting authorization logic per container instance

Configurable routing rules per container

Easy scale each micro-service

out of the box Docker support

all the functionality of the Authorization host

 
 
 

Any Bank Switch

Back-end systems, host, fraud, cards and balances systems

Web services, XML, csv, clearing and NSK enscribe files support

TCP/IP, HTTP, flat files and SQL connections

And for all you can customize the business logic in-house

JavaScript transaction building logic!

Features

Payments Switch Router


any payments formats

any connection type

any message standard

any cloud or local server

CICD enabled

 

 

  Deploy

CICD deploy

Unpack and Run

Could/platform independent

Java / Javascript

 

  Run & Test

Autotest Autodeploy

Incremental and Distributed functionality

Auto-test on CICD

Over 1000 TPS

 

  Analytics

Integrated or separate service

Log to files any message

TXT CSV XML HTML logs

HTML reports service

 

  Maintenance

Version control software

Siple Archive delivery or GIT

Configuration GIT or DB

In-house business logic updates

No delivery dependency

 

  Connectivity

Files binary ASCII EBCDIC

TCP/IP Web Services HTTP API

CSV files storage

Databases SQL NoSQL Oracle

API, PSD2

 

  Messages

XML JSON ISO8583 ISO20022 SWIFT TLV CSV SQL

One instance or separate micorservices

Independently configurable

Flexible ISO8583 with XML CSV TLV

Powerful ISO8583 binary file

Conversion included ISO8583-XML-SQL-CSV

 

  Cryptography

EMV PIN MAC

Configurable cryptogram methods

Configurable PIN block methods

TLS SHA and other encryption standards

 

payments switch pci dss compliant payments switch EMV compliant payments switch EMV compliant Amazon Web Services Partner Network

CONFIGURATION in-house options

Vendor independent, on-premise configuration

Message format, fields and data type

Connection type, encoding of data

Logging and export

ISO8583 data, fields

Card import handling Files, CSV, DB, MQ, API

Validation for Mandatory, Optional, Conditional

Validation for length and data type

Clearing and settlement formats

CUSTOMIZATION in-house options

Vendor independent, on-premise configuration vis scripting {javaScript}

Message building logic - Full control of values, format, even several formats per field

Message send and receive logic - Sync or Async, data-driven logic

Data formatting to connections - Powerful scipting can be altered to acheive the correct format

Routing logic - configuration driven and editable by scripting, can route based in values, custom information

Authorization logic - Simple and effective matching and decision logic

Validation logic - Any aspect can be scripted to acheive the needed validation

Conversion logic - When integrating with SQL, MQ, JSON or XML, the conversion of the format is customizable

JavaScript scripts loaded by file, and fully controllable

Support and flexible package options

Entry-level options allow small companies to gain access to the same technologies as big companies. They also require you to pull up your sleeves.
Big packages allow big companies to have fully supported solutions and adhere to regulations. They also allow you to sit back and relax while we do everything.


Minimal 20

10h of customization support (one day plus)

Free delivery of the Switch;

One interface customization (limited to support time);

Sample test cases implementation;

Basic 50

50h of implementation support (one week plus)

Free delivery of the Switch;

Full customization of one interface (ready to test);

Full test cases implementation;

Partial Implementation of more interfaces within the purchased support;

Support for defects and changes

Training for the Switch within support limit;

Documentation and guidance on changes within support limit;

48h response time for help and/or defects

Corporate 200

200h of implementation support (one month plus)

Free delivery of the Switch;

Full customization of several interfaces (ready to test);

Full test cases implementation;

Partial Implementation of more interfaces within the purchased support;

Support for defects and changes

Training for the Switch within support limit;

Documentation and guidance on changes within support limit;

24h response time for help and/or defects

Advanced Analytics reporting

Load test enablement, with Advanced Analytics
 
 

Out of the box solutions

No compromise, no risk, full solution. We customize, we set it up, we test, we deliver the final solution. We even test remotely.
You just look at the reports. Or click and watch it test itself.

Mini 50

Out of the box Switch of your choosing;

Customized according to your interface;

Message Validations according to the interface;

Defect support and training of the Switch;

Documentation and guidance on changes;

Regular 200

Out of the box Switch of your choosing;

Customized according to your interface;

Message Validations according to the interface;

Defect support and training of the Switch;

Documentation and guidance on changes;

Remote testing with Web Interfaces;

Functional Test cases included

Regression Pack included (up to 1000 test cases)

Dedicated 500

Out of the box Switch(s) of your choosing;

Customized according to your interface(s);

Message Validations according to the interface;

Defect support and training of the Switch;

Documentation and guidance on changes;

Remote testing with Web Interfaces;

Functional Test cases included

Regression Pack included (unlimited packs)

Baseline and Verification automatic for regression and Functional tests

Advanced Analytics reporting

Load test enablement, with Advanced Analytics
 

ISO 8583 Switch Environment

Switch for all your connections: Visa, MasterCard, Bank host, ATM, POS, e-commerce.

Visa, MasterCard, Amex

Switch with the standard ISO8583 based package

POS devices, network

various POS protocols, fixed message or ISO0503 based

ATM devices, network

depending on the device handler, NCR, NDC, Diebold

Clearing and settlement

simple fixed formats configurable, as well as XML or JSON

PSP, aggregators

usually via some form of ISO8583 implementation, easy to configure

e-commerce gateways

they usually send some implementation of ISO8583

e-commerce APIs

standard HTTP web service with XML or JSON data

mobile commerce, networks

networks usually come via ISO8583, while devices may send any API form

telephone, mail

simplified ISO8583 or customized messages, SQL to database checks

international, SWIFT, ISO20022

standard SWIFT or custom inter-bank, payments, clearing, cash

 

ISO 8583 Switch Setup Layout

Connections

SQL database or JSON format in javascript file, easy version control.

Messages

javascript JSON editing directly, or database connection

Business logic

All routing logic is defined in javascript scripts, all versionable

Any number of scripts for separate routing logic

All scripts pre-compiled and cached

neaPay Core

The power of our Switch comes from its script engine, with support for connections, message building and formatting, its look and feel are the UI which makes it all easy, but its heart is the controller which manages it all.

Visa Base I Base II Acquirer Issuer Switch

Acquiring from Visa can be easily Switchd by our neaPay engine. How does it work? Load the Visa scripts in our Switch engine, the Visa message format

Make sure you point to the IP and port you need and start firing away those transactions like they came from Visa. Authorize in your system and our scripts will wait for the response to validate.

Visa Issuer is loaded the same way, just use authorization scripts for issuing, and select the connection type to be a server. The scripts know what messages to wait for, process and respond.

MasterCard Acquirer Issuer Switch

MasterCard Acquiring is just as easy. Load the BankNet scripts, as well as the messages

Point the Switch to your system and run transactions. One by one, in batches or in full it is all a matter of choice. All messages go out in parallel and can come back in any order.

MasterCard Issuing works with the same scripts, but uses the issuer part of them. The logic in the scripts decides that when you select the option to listen as a server.

Diners, Amex, JCB, CUP Switch

Diners, Amex, JCB, China Union Pay? For the engine it is a matter of loading a different script and formatting messages differently.

Acquiring or issuing, that is just an option.

A switch of switches is ideal when dealing with many formats. Route payment transactions based on any configurable criteria

POS, ATM and e-commerce Switch

POS and e-commerce transactions work just as easily. Load the scripts, or make changes to match your custom interfaces, and then run it in the cloud or local.

Each ATM vendor comes with a different format and it may be a little more complicated. To be honest, if your vendor provides a Switch for the ATM, use that one. If you need something heavily customized, then neaPay's engine will definitely be able to do it. Contact us and tell us what device you have, we might have the scripts for it already. If not, it is never too late to write a new one.

Frequently asked questions

Micro-service architecture, each service does one designated job; in case of downtime, failure, updates, each service can be taken down separately
Java implementation, javascript user-defined scripting; any platform supported, so it is fine do to development/test on Windows and then deploy on Linux VM, containers, cloud.
All services are configurable the same way, so for ISO8583 variations (Visa, Amex, Banknet), clearing, conversion to other formats (JSON, XML) the product setup will look very similar, so implementing a new service or performing maintenance updates, is much easier
All user-exposed business behavior: all the business logic is JavaScript and the customer has access to it. This way the customer can make different sort of changes on the spot. This can be, in some situations, mission-critical
Extremely fast processing, when it has to do no external operations, we can achieve speeds of over 20 transactions per millisecond, or with external IO (HTTP, TCP), over 1000 transactions per second.
Possible to have it as a premise service, or in the cloud as shared maintenance, or hosed by us. It is cheap to implement and maintain, because we only set up the behavior you need and maintain, no clashing of functionalities, no paying for behavior you do not want or need.

Download ISO8583 Micro Switch Router

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