Cards-based transactions account for approximately 1/3 of all worldwide payments transactions and in many regions have experienced double digit annual growth.
With tough regulatory and card scheme demands, 24/7 availability, the need to differentiate in a crowded market, as the well as the ever present pressure to reduces costs, choice of a retail payments platform is critical. Most important is ensuring that the cardholder can access funds at all hours, regardless of the geographic location, currency or acquiring bank.
Distra delivers a feature rich retail EFT payments platform that combines an efficient and reliable architecture with the traditional functionality required in the retail payments market. Backing this up is Distra's capabilities in other payments sectors, the platform offers the ability to extend outside the traditional retail payments space and open other payments streams across the retail channels.
The Distra EFT payments plaform provides a number of features which include:
- Multi-channel connectivity, from traditional POS and ATM solutions, to merchant gateways, IVR systems and bilateral interchange links
- Message handling capabilities enabling message parsing and enrichment, additional non-financial data
- Transaction processing options for routing, authorisation message enrichment and multi-party transactions
- Card Scheme support for authorisation and processing
- File management for importing and exporting operational data
Furthermore, Distra delivers the following key capabilities to the retail solution.
By decoupling merchant rule processing from the acquiring channel, the Distra solution provides the ability to service present business requirements and rapidly onboard new acquiring business across emerging channels.
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The Distra solution provides complete and secure management, authorisation, routing and real-time monitoring solution for POS devices
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Distra's ATM device driving caters for the immediate device and interface management of the popular ATM devices on the market today.
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Providing authorisation features, the Distra Switch enables complete end-to-end card transaction lifecycle management. Whether employing simple checks or complete transaction authorisation, Switch may perform complete authorisation on behalf of an issuer or may simply ‘pass-through’ to the processor for authorisation…or somewhere in between these extremes.
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