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

  Save cost and a lot of effort

A platorm focused on the functionality you need. Save money, time, effort and cost by working only on the scope you use.

  Cloud and Containers

On-premise or in the cloud, use extremely simple deployment solutions to a simple VM or container to go to production in record time

  Maximum Service Uptime for the lowest cost infra

Ensure Service uptime by leveraging the newest and best cloud computing services, simple, easy and cheap; designed for high performance on the free tier

  Ultra fast to set up and deploy

We are talking hours for POC, days for basic functionality, a running system in weeks. Incremental implementation, set up and deploy for maximum efficiancy


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



Documentation, Get started guide



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!

neapay ISO8583 Switch and Route


Payments Switch Router

any payments formats

any connection type

any message standard

any cloud or local server

CICD enabled


Request a Quote




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



Integrated or separate service

Log to files any message


HTML reports service



Version control software

Siple Archive delivery or GIT

Configuration GIT or DB

In-house business logic updates

No delivery dependency



Files binary ASCII EBCDIC

TCP/IP Web Services HTTP API

CSV files storage

Databases SQL NoSQL Oracle





One instance or separate microservices

Independently configurable

Flexible ISO8583 with XML CSV TLV

Powerful ISO8583 binary file

Conversion included ISO8583-XML-SQL-CSV




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

Project Phase delivery - ISO8583 switch


Pre Project

Analysis of requirements

Free Proof of concept gurantees solution functionality

Estimate and divide into phases

Finalcial and contractual arrangements for Project and Bau


Fast Proof of Concept delivery for simple sceanrio

Immediate implementation of the most used scenarios

Iterative delivery of the agreed behaviour

Project go-live threshold acheived

Live acceptance

Fast Proof of Concept delivery for simple sceanrio

Immediate implementation of the most used scenarios

Iterative delivery of the agreed behaviour

Project go-live threshold acheived


Request a meeting to discuss a project


Long Term Support delivery - ISO8583 switch

Long term support ensures that the delivered product and customizations are up to date with changing requirements,
up to date with technlogical updates, and of course, benefit from the newest upgrades

Post-project scope

Remaining tasks can be scheduled during bau

Mandates, updates, extra requirements as in project

Iterative delivery of scope

During License Yearly subscription

Yearly License

Just license option with no support

Company license

No restrictions in instances or individuals

White label options available

Yearly supoort scope

Support requsts and incident management

Implementation of fixes, bugs, issues and extra features

Updates and upgrades to the newest product or features

Yearly schedule and release management

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


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


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

Our application Core is written in Java, runs on any platform where you can run Java, including Linux servers, any cloud provider and of course, containers.

The configuration and behavior are all written in JavScript, which is delivered to the customer

Our switch can be run on Windows or Mac for testing, and on Linux VM or cloud as a service

We use a Micro-service architecture, each service does one designated job;

Each component can therefore be run and maintained separately

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

The customer can change all connectivity, message formats, business logic and all this can be done on the spot, on-site.

Very few things cannot be changed by the customer like TCP handling, database management, HTTP servers

This allows for all configuration to be easy to version-control (via git)

Extremely fast processing, it can achieve speeds of over 20 transactions per millisecond, or with external IO (HTTP, TCP), over 1000 transactions per second on one instance, limited only by external connectivity.

Each microservice instance can be scaled in several ways, as any java application, either with containers, service managers, or simply starting several instances and balancing them via round-robin mechanism.

The neapay switch is priced based on the components you need to use; you pay for the services you need

For the pricing model of each component and a quote for the project yo u need, please write an email to Contact for price

Of course it is Possible to have it as a service on-site, or in the cloud as shared maintenance, or hosed by us as a service

A demo or even a POC is free and delivered to your technical team for assessment

Download ISO8583 Micro Switch Router

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Watch this test run video before your first run


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Java is required to run the product. Please follow this guide to Download/Check Java version


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