Providing authorization features, the Distra Universal Payments Platform (UPP) enables complete end-to-end card transaction lifecycle management.
Whether employing simple checks or complete transaction authorization, the Distra UPP may perform complete authorization on behalf of an issuer or may simply ‘pass-through’ to the processor for authorization…or somewhere in between these extremes.
The Distra UPP offers integrated authorization features for card based transactions.
The card issuer and authorization features can be modelled from a simple straight through relationship to one where the Distra UPP acts as the primary authorizer for the transaction or basically any combination in between.
For example, the Distra UPP may augment processing by providing all of the security and transaction acceptance checks then finally passing the transaction to the card issuer for final authorization.
The authorization services offered by the Distra UPP include the following:
- Basic checks including PAN validity, expiry date checks and valid accounts
- Security features such as PIN validation and Scheme checks, including CVV/CVV2 and CAVV
- Hot Card and Negative/Black List checks
- EMV authorisation using TVR/CVR results, ARQC validation and floor/velocity limits
- Card usage limits with multiple transaction and merchant type category amounts and events
- Transaction acceptance rules (or limitations) based upon transaction type, acquiring merchant, acquiring network
- Other features such as multi-currency, Floor/Ceiling limits, host availability
The Distra UPP supports Stand-In authorization which may be selected in the case of issuer unavailable or transactions below a floor limit. For each card type present on the Switch, the Stand-In functionality can be either or both of the following:
- Authorization against and maintenance of a positive card and account file, which is kept up synchronized with the primary authorization system by file load, online updates or via the balance fields from previous authorizations, where available.
- Activity based authorization, where the Distra UPP dynamically builds and maintains per card usage for a particular period ensuring specifically offline transaction limits are adhered to.
Supporting these authorization functions is a comprehensive set of routing capabilities which cater for all routing possibilities and requirements, including:
- Primary route only
- Primary/Secondary route
- Special Routes based upon data present in, or missing from, the transaction
- Online/Offline selection based upon floor limits.
Each of these features is selectable down to each configured card type and where applicable, the cardholder selected account.