Paybot-ALL-IN-ONE PAYMENT GATEWAY | WELCOME TO PAYBOT PRESENTATION
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Acquiring Issuing

 

How it works

 

111-11231

 

Acquiring

The acquiring bank(or its processor) captures the transaction information and routes it through the appropriate card network to the cardholder’s issuing bank to be approved or declined.

 

Issuing

The credit card issuer receives the transaction information from the acquiring bank(or its processor) through Banknet or Card network and responds by approving or declining the transaction after checking to ensure, among other things, that the transaction information is valid, the cardholder has sufficient balance to make the purchase and that the account is in good standing.

 

Brand Association(VISA, Master, etc…)

Transaction information is routed between issuing and acquiring banks through Card network.

 

 

 

 

 

 

 

Acquiring Processing

 

Paybot Card Services, provides an innovative and diversified software platform for acquiring processing services that will help you run your ATM and Point of Sales operations smoothly. We offer our customers the infrastructure technology necessary to facilitate the processing and routing of card payments and cash withdrawals across the transaction processing value chain.

 

We cover the entire processing services chain: from ATM Management and Merchant Account Management to Clearing and Settlement in any currency and the processing of chargebacks.

 

In addition, Paybot Card Services offers the provision of Networking processing services as listed below:

 

  • Authorisation & risk management services.
  • Clearing of transaction data.
  • Calculation of net settlement position for Domestic non On-us and On-us transaction, in addition to the settlement positions that will be provided in relation to international settlement services and regional settlement services per card scheme.
  • A wide range of optional added value services. For more information or an informal discussion about your Acquiring needs, please

 

Paybot Card Services offers customized solutions for the processing of Credit, Prepaid and Debit cards. Our issuing processing services include an advanced set of systems and applications.

 

Paybot Card Services offers a complete set of card issuance and management services as well as transaction processing. You determine which service solutions you wish to obtain from us according to your card strategy.

 

 

 

 

 

 

 

Issuing Processing

 

Paybot Card Services offers customized solutions for the processing of Credit, Prepaid and Debit cards. Our issuing processing services include an advanced set of systems and applications.

Paybot Card Services offers a complete set of card issuance and management services as well as transaction processing. You determine which service solutions you wish to obtain from us according to your card strategy.

 

Transaction Processing

Give your cardholders access to all payment channels and card schemes. We provide switching and authorization systems that are tailored to your operating system. Enjoy the advantage of rapid card program setup via leading flexible processing systems and services.

The Transaction Processing services include:

  • 24/7 uninterrupted connectivity to major card schemes, international and domestic networks.
  • Management of the authorization process and switching of the authorization messages from the various acquirers to your Host system.
  • Posting transactions against cardholders open to buy balance.
  • Monitor authorization and transaction activity for Fraud Prevention purposes.
  • Development of customized solutions for the detection, handling and prevention of card misuse.
  • Real time SMS for all card activity.
  • Posting transactions against cardholders open to buy balance.
  • Transactions management and preparation of monthly statements.
  • Dispute management, credit recovery and risk management through personalized services compliant with payment scheme regulations and agreed with customers.

 

Payment clearing services

Paybot Card Services processes international and national transactions and offers quick and secure clearing and settlement of all your transactions.
The Payment Clearing services include:

 

  • Debiting of cardholder accounts.
  • Settlement with acquirers and Payment Schemes.
  • Matching of cleared transactions with pending authorisation requests.

 

 

 

 

 

 

 

ATM Management

 

Paybot Card Services has the resources and experience to provide you with hassle-free ATM management and transactions processing. Our solutions provide switching to major card network schemes, authorization, and settlement.

 

In addition, Paybot Card Services offers its customers the option of On-Us ATM transactions processing.

 

Our solutions improve your cardholders experience, increase transaction volume and associated revenue and reduce overall transaction time and operating costs.

 

Transaction Processing

Give your cardholders access to all payment channels and card schemes. We provide switching and authorization systems that are tailored to your operating system. Enjoy the advantage of rapid card program setup via leading flexible processing systems and services.

The Transaction Processing services include:

 

  • 24/7 uninterrupted connectivity to major card schemes, international and domestic networks.
  • Management of the authorization process and switching of the authorization messages from the various acquirers to your Host system.
  • Posting transactions against cardholders open to buy balance.
  • Monitor authorization and transaction activity for Fraud Prevention purposes.
  • Development of customized solutions for the detection, handling and prevention of card misuse.
  • Real time SMS for all card activity.
  • Posting transactions against cardholders open to buy balance.
  • Transactions management and preparation of monthly statements.
  • Dispute management, credit recovery and risk management through personalized services compliant with payment scheme regulations and agreed with customers.

 

 

 

 

 

 

 

BIN Sponsorship

 

Major organizations are now issuing their own payment or customer cards. Would you like to issue your own payment instrument in the form of a card? Paybot Card Services supports you as a Payment Processor.

 

Paybot Card Services provides you with an end-to-end infrastructure, including the requisite issuing licenses for card products.

 

Our BIN sponsorship services include access to the payment network, associated clearing and settlements services, as well as regulatory compliance.

 

In the process of making the connection to the card brand networks, Paybot Card Services will be responsible for the Risk Management, Regulatory Compliance, Card Brand Rules Compliance and the Settlement with the card schemes.

 

 

 

 

 

 

 

Security Standard

 

Paybot processing services is compliance with the card security standard.

 

PCI-DSS, PBOC3.0, Korea Electronic Banking Supervision Compliance