ISO8583 Payments Switch


Route transactions based on:
BIN, amount, institution, terminal, or error

Containerized microservices switch, cloud deploy

Interface and configure any payments format

Integrate web services, clearing files, databases

Use any container orchestration software to ensure redundancy, performance, service uptime

Leveraging microservices to have a lightning fast time to market

 

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payments switch routing
 
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 newste 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

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

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

Free - So lighweight 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 microservice

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 of the Payments Switch


any payments formats

any connection type

any message standard

any cloud or local server

CICD enabled

Deploy

CICD deploy

unpack and run deploy

platform independent

 

Run & Test

test and then deploy

incremental and distributed functionality

auto-test possible

high TPS, over 1000

 

Analytics

integrated or separate service

log to files as any message

generate XML, HTML logs

superb HTML reports, graphs

 

Maintenance

version control configuration

several configuration streams possible

in-house business logic updates

no delivery dependency

 

Connectivity

files, any encoding, even binary

TCP , Web Services, HTTP

CSV files storage

databases

API, PSD2

 

Messages

XML, JSON, ISO8583, ISO20022, SWIFT, TLV, CSV, SQL in one instance or separate services

fully configurable

crazy flexible: insert ISO8583 in XML

crazy powerful: send ISO8583 to file

crazy conversion: ISO8583-XML-SQL

 

Cryptography

EMV, PIN, MAC, in the box

several cryptogram methods

several PIN block methods

any encryption standard

CONFIGURATION in-house options

  • message format, fields and data type (UI)
  • connection type, encoding of data (UI)
  • logging and export (UI)
  • ISO8583 data, fields, Excel formulas available [Excel]
  • card import handling [Excel]
  • validation for Mandatory, Optional, Conditional [Excel]
  • validation for length and data type [Excel]
  • clearing and settlement messages (UI)

CUSTOMIZATION in-house options

  • message building logic {js}
  • message send and receive logic {js}
  • data formatting to connections {js}
  • authorization logic {js}
  • validation logic {js}
  • conversion logic {js}
  • js scripts load -file

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.

Articles and resources - ISO8583 Payments Switch


Asking for defects support for the neaPay products: converter, switch, issuer, simulator

If you need help deploying, running, configuring, customizing the payments converter, switch, Issuer, simulator or any custom product we have delivered, you can count on our support.

Paid or free users, all are welcome to ask for support. Please follow the support guidelines.


Deploy the Payments Switch Router in a test environment

Deploy then neaPay Payments switch router to easily route transactions based on BIN/prefix, amount, merchant, originating or destination insytitution, node.

1. As a container orchestration with Docker-compose

2. As separate services managed as stand-alone.


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