Global Payment Platform

Issuing and managing the entire life cycle of physical or virtual, credit, debit or prepaid cards is simple and fully supported on the Global Payment Platform.

Closed Loop products can be created for acceptance only on private networks. Open Loop payment instruments can be developed for all main domestic and international Card Networks, such as VISA, Mastercard, UPI.

We have a track record of over 200 different types of payment cards for individual and distinctive propositions based on the varied business models of our customers.

With the advent of Instant Payments and the increasingly pervasive adoption of digital wallets, it became essential to offer customers the ability to pay or collect efficiently with their bank accounts. Volumes of SEPA SCT, SCTInst and SDD transactions are growing rapidly, and cross-border payments in non-Euro currencies are undergoing profound transformations that no PSP can afford to overlook.

GPP offers specialised components for IBAN-based payments that are at the heart of the participant gateways provided by the main European Instant Payments schemes.

Managing ATM and POS terminals and accepting payments of any kind of physical, virtual or mobile channel has various implications. Firstly, compliance with the PCI security standards of the Card Industry, secondly, the need for future-proof technology capable of easily integrating innovative payment channels and tools from new market operators. Furthermore, the convergence between cards and account-based payments is already clearly visible on the market, giving rise to new and interesting business models for Merchants. It is a very competitive landscape, one that requires great technological agility and specialised know-how.

Accessing low value and high value exchange and settlement circuits is one of the core processes of a PSP; it requires timely updates to changes dictated by scheme owners and certified Network Service Providers.

The decision of the financial industry to converge to the ISO20022 standard triggered multiple migration projects in the aforementioned systems in Europe and worldwide. But also in SWIFT itself; the imminent disposal of the FIN exchange protocol has imposed profound changes to network interfaces of the entire global banking community.

GPP has specific interface components designed to free customers from the complexities inherent in NSP protocols, offering different levels and service models that can be tailored to individual customer requirements.

Managing customer payment accounts is standard business for incumbent operators in the banking sector. But for new entrants such as neobanks, e-Money or payment institutions, profiling customers on various exchange channels and managing liquidity and accounting in strict compliance with financial sector regulations implies acquiring ad-hoc skills and infrastructures. The reliability and agility of this application layer can have significant impacts for clients, on the one hand in terms of reputation, and on the other hand for the economic sustainability of the business case. TAS GPP includes specialized components, offered in PaaS mode, to manage the client’s end-customer accounts and channels with embedded compliance. This allows an even faster and more flexible implementation for non-bank players.