The Distra UPP’s inbuilt fault-tolerant architecture means no down time, even in the event of planned or unplanned events that may take other payments systems offline.
Real-time data access, integration capabilities and accurate reconciliation mechanisms improve visibility to merchants, operators and banking partners, increasing customer satisfaction. Real-time access to message, transaction and network management logs, as well as comprehensive metrics and reporting make it possible for organizations to respond in real-time.
For example, if a bank’s premium client has a card captured at an ATM, the system can automatically generate an alert to enable the customer service staff to proactively inform the client there was a problem and that a new card will be delivered immediately.
The flexibility of the Java-based Distra UPP empowers companies to quickly adopt new business models and respond rapidly to new customer requirements without lengthy implementations. With the rate of change in the payments market, organizations can no longer afford to move slowly. The Distra UPP architecture facilitates the introduction of new business functionality at unrivalled speed, allowing rapid modification of existing components and configuration, without downtime.
Importantly, Distra’s innovative system configuration means many tasks formerly requiring significant development effort are eliminated. Distra’s unique ready to deploy components enable clients to make significant changes to their systems with little effort or reliance on specialist skills, meaning new and innovative payments processing capabilities can be provided to the market quickly.
The Distra UPP can process mobile, web and social media payments, as well as traditional ACH, POS and ATM, in real-time, meeting customer expectations for real-time payments. The Distra UPP can also easily capture both financial and non-financial data, such as data about the items purchased.
It can accommodate split payments over several accounts including loyalty points, calculate coupons and discounts in real-time and facilitate targeted sales offers to enable an enriched, customized customer experience.