We have merged with another of the world’s leading issuer-processors, Paymentology, to form a new force in payments, united under the Paymentology name.
We now offer even more power, more reach, more possibility, and more ways for banks and fintechs to rapidly issue cards and new products, anywhere in the world, at scale.
Data insightsSee your payments under a microscope
We provide the richest, fastest and deepest data-stream, delivered in a way that’s immediately interpretable, useful, and actionable; even at POS-level.
Greater knowledge. Greater power
Informed decisions grow revenue
Real data-insights let you design and deploy better solutions and products, and trigger tailored offers based on finely tuned behaviours.
See payment-data in real-time
We provide the richest, fastest and deepest real-time data-stream. Easily interpretable and actionable; even at POS-level.
Atomic-level granularity of view
Thanks to our FAST Feed technology, you can now truly understand and visualise your customers' behaviour, across a vast number of metrics, in real time.
Unprecedented consumer-spend data
Ultimate data-richness, with FAST Message
FAST is Paymentology’s “Framework for Authorisation and Settlement Transmission” interface. It allows banks to meaningfully participate in the authorisation message. FAST not only provisions bank participation, but also provides enriched, full-scheme messaging with enhanced spend-analytics, delivered by the unparalleled capability and extreme flexibility of PayRule.AI.
Active partcipation
A real-time feed to the bank, with the bank making the authorisation decision.
Passive participation
A real-time feed to bank, after Paymentology has made the authorisation decision.
Choose your format
Elect to receive the authorisation message in JSON or XML formats.
FAST setup assistance
Paymentology works alongside clients, assisting with FAST setup, and sharing expertise in the authorisation process.
See the big picture through data
Our FAST Message provides far more real-time data, in a layered feed, that is highly versatile and intuitive. See, understand and control the complete spend lifecycle, with much deeper visibility.
100+
More lines of data run in our code
FAST FEED
Message_type
{
Message_type
0100
Message_desc
Authorisation request
}
Summary
{
TID
130680012345000026
RID
1306800123
PID
21
Client_Id
262344
Network
MC
Spend_Type
POS – Purchase
Spend_Location
Mango Wisma Atria Orchard Road 238877
Transaction_Amount
30.0
Transaction_Currency
SGD
Billing_Amount
30.0
Billing_Currency
SGD
Card_Use_Type
Chip Fallback
Customer_Validation
CVV1
Processor_Decision_Code
05 (decline)
Processor_Reason_Code
216 (CVV1 fail)
Processor_Decision_Desc
Decline – CVV1 fail
Merchant_Category
5499 – Miscellaneous Food Stores-Convenience Stores
Account_Id
601241515
Customer_Ac
601241515
}
Processor_validations:
{
Pan_Check
PASS
Pin_Check
PASS
Expiry_Check
PASS
Track_Check
PASS
CVV_Check
FAIL
CVV_Type
1
ARQC_Check
NA
3DS_Check
NA
Test_Matrix
844459300368824
Test_Results
34368126976
Rules_Checked
4
Rules_Triggered
1
Rules_Decision
05 (decline)
}
Iso_msg:
{
DE2
789850681
DE3
000000
DE4
000000003000
--
--
--
DE22
02 (PAN auto-entry via magnetic stripe-track data is not required)
--
DE43
Mango, Wisma Atria Orchard Road 238877
--
}
Typical feed from other processor
{
Message_type
POS
Amount
30.00
Currency
702
Location
Mango 238877
Processor_decision
Approve
Merchant_id
321456654
UID
8172366723457175
}
Reporting and reconciliation
Our Platform provides the following reports daily through our real-time feed:
Mark-off file report.
Summary settlement report.
Detailed settlement report.
Forex gains report.
Failed transaction report.
Card order report.
Statements and reports
Our Platform provides the following reports, on daily basis, through our real-time feed, in a powerful, intuitive, easy-to-understand interface.
Transaction reports contain all authorisations, settlement, chargebacks, reversals.
Balances reports, containing all the actual, pending, and available balances for all cards. This report is delivered via SFTP to customer.
Real-time feed, with all card-actions reported, in real-time, to client.
Powerful analytics
Intelligence that outsmarts fraud
Paymentology FAST Message provides over 120 transaction details, in a rich, layered, easily interpretable, real-time feed. Not only more data than our competitors, but smarter and faster, too.
With the most flexible APIs giving you total control, you can now set the authorisation parameters that suit you, with AI alerting you to any behaviour you flag as suspicious.
Fraud-analytics and pattern-matching
Our ultra-rich data feed, with PayRule.AI's unmatched fraud-detection capabilities, detects any irregular behaviour, far more intuitively.
Credit-rating
More data and API-flexibility let you base authorisation decisions – even on a per-customer level – on more variables; including credit risk, and more.
Merchant-risk rating
We're able analyse risk on a merchant-level too. Far richer data, delivered intuitively and actionably, gives you more points of control.
Geo-location of payments
Monitor geo-location, and behaviour patterns, combined with any other metrics, to flag irregularity, and gain deeper customer insight.
Analytics that empower action
We bring you closer to your customers, with detailed spend-analytics, applied by PayRule.AI. Now, you can meaningfully interpret behaviour – in real time – and proactively offer value.
FAST FEED
Analytics
{
Name
Jason Bourne
Position
Doctor
Credit_rating
12
MicroLoan_suitability
94
BuyNowPayLater_this_spend
Yes
Travel_ranking
76
Sport_ranking
32
Net_wealth_indicator
>500000
Total_POS_spend_on_this_card
17123
Total_ATM_withdrawals
1800
Relative_card_cost_to_bank
23
Actual_Card_Cost_to_bank
78
Cust_age_group
30-40
Merch_risk_rating
70
Merch_avg_txn_freq
40
Merch_avg_txn_amt
10
}
Typical feed from other processor
No other processor offers this feature.
Informed decisions
Better products through better data
Paymentology's FAST Message provides over 120 lines of layered transaction details, delivered in real-time, even at POS.
We empower you to make decisive strategic decisions, based on thorough, rapid, insightful data that's immediately useful and actionable. Now you can trigger highly customised products and offers, based on very specific behaviour criteria, when and where it matters.
Fine-tune existing services
Our Platform's API's are powerful and flexible to allow you to make and deploy changes to products – small or significant – quickly, intuitively and without disruption.
Prevent fraud and theft
Our Platform's secure APIs and unrivalled pattern-matching capabilities detect any irregular or suspicious behaviours far more intuitively, and actionably.
Better arguments for new ideas
By knowing far more about your customers' behaviour – pre and post-transaction – you vastly enhance your strategic-planning scope of vision.
Up-sell, in real-time
Our analytics can be interpreted and applied in real-time, letting you make decisions, grant permissions and offer new products, when it matters most.
Rule-control at an atomic level
Define and apply your own rules with unprecedented granularity. Implement pre-determined actions to follow specific rule-triggers, from approval, to fee applications, messaging, offers, and more.
FAST FEED
Message type
{
Rule_id
1245
Rule_triggered
Yes
Rule_desc
Card used three times within 10 min between 0:00am and 06:00am
Trigger_detail
Alert client via SMS & temp block
Action_id
456
Action_desc
30 min block on card
Action_id
212
Action_desc
SMS to Client: Dear Jason, your card ending 1342 has had an attempted usage at 05:36 at Mango, Wisma Atria. We have blocked your card for 30 minutes to protect you (unusual card usage time)
}
Typical feed from other processor
No other processor offers this feature.
Start innovating your payments with us
Our scalable, flexible Platform supports big innovations. We shepherd our clients not only into, but to the forefront of the Digital-payment Era.