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FSS Payment Gateway
Gateway to Scalable, Secure
Online Transaction Processing
FSS Payment GatewayAs online commerce grows, so does the need for acquiring banks to deploy a scalable and secure
online payment gateway system.
FSS Payment Gateway has a proven 25+ years track record of successfully addressing online
transaction processing needs of acquiring institutions. FSS Payment Gateway is a trusted partner
to 40+ leading acquiring banks, payment processors and Central Banks globally, annually
processing USD 15B in transaction value.
The Gateway enables acquirers to deliver a fast, simple and secure payment processing
experience to expand their merchant base and accelerate top-line growth. Merchants can securely
access services via a single connection to process transactions originating from any sales channel
- web, mobile, IVR. Integrated risk monitoring and fraud measures allow merchants to achieve the
highest security levels and lower chargeback exposure.
Multiple PaymentModes
Payment Hostsand Networks
Debit + PIN
Debit + CVV
Net Banking
Wallets VISA
Master Card
Diners
Faster Networks/IMPS
Multiple Payment Types
Instalments
Partial Payments
Recurring Payment
Multiple Transactions
Pay to Card (Credit card Bills)
Pay to Merchant
Multiple Currencies
Supports Currency Conversion
Supports Global Expansion
Credit Cards
Prepaid Cards
Virtual Payment Address
QR Codes
PAY
BANK
1234 5678 1234 5678
$BILL$
BILLBILLBILLBILL
Saves Processing Costs
Direct integration with multiple banks enables intelligent transaction routing, improving ratio of
on-us transactions and lowering interchange costs
Support for local payment options including Debit Cards and PIN saves interchange fee
Shields acquirers and lowers volume of chargebacks via:
Advanced transaction risk scoring and encryption for card-on-file transactions
Support for 3D Secure - Mastercard SecureCode™, Verified by Visa™, J/Secure™ and
Diners Club ProtectBuy™ - reduces acquirer fraud liability and potentially lowers
interchange costs
PA DSS 3.0 certification prevents data breaches and reduces acquirer liability
Delivers Secure, Transaction Experience and Reduce Chargebacks
The Gateway supports multi-channel multi-currency, multi-payment instruments, enabling
merchants to capture higher sales. This includes international, local and new payment methods
such as Wallets, QR Codes, Faster Payments, Debit and PIN. Further the Gateway drives transactions
by supporting one-off payments as well as schedule regular fixed, recurring or variable payments.
Capture Higher Sales with Rich Payment Options
Assures Service Scale and Reliability
Benchmarked for 4,000 TPS on Oracle Sparc servers with 17M transactions processed in 70
minutes, FSS Payment Gateway process large transaction volumes, especially peak hour spikes
during seasonal events. A scalable, fully-redundant, fault-tolerant solution, across deployments
FSS Payment Gateway has consistently averaged 99.9% availability, and a high transaction
success rate. This guarantees an assured quality of service.
Easy-to-integrate, white-labelled hosted checkout option, enables acquirers on-board long tail of
merchants. The checkout experience is customizable to mirror the merchant’s brand and minimizes PCI
compliance burden, as sensitive payment details are not stored on merchant systems.
Broad-base Reach with Hosted Checkout
Supports Multiple Deployment Models
FSS supports licensed and hosted deployments models. The hosted model provides acquirers with
a scalable, consumption-based service, with FSS assuming complete responsibility for on-demand
capacity scaling and >99.9% availability
Benefits We Deliver
Merchants can accept domestic and international payments across channels - Web, Mobile Web,
Mobile In-App and IVR. Easy to integrate APIs, SDKs and plugins decrease development effort and
improve time to market.
Improves Go-Live Time
The FSS Advantage
Boost Growth with Data-Driven Insights
The benefits of Payment Gateway include “analytics as a service” for informed decisioning.
Leveraging big data tools, acquirers can model:
Merchant Performance: Profile and segment merchants based on transaction recency,
frequency and monetary value to improve overall portfolio profitability
Customer Performance: Analyses key transaction trends including preferred payment
instruments, shopping categories, time of shopping, improves sales targeting
Risk Performance: Automatically adjust fraud strategies to maintain optimal mitigation defences
PADSS 3.0 certified
15 BillionUSD transaction value
40% process 40% of India’s
e-commerce traffic
1Billiontransactions
processed annually
100%penetration among banksin a GCC country fordebit card transactions
350,000merchant accounts
250+merchant categories
banking customers globally 40+
Protects Against Fraud
A sophisticated and effective, rules-based system provides complete control to define, manage and
monitor velocity, volume and value limits at a per terminal and a per card level. The Gateway can
integrate with Paynalytix, FSS analytics platform, or a third-party fraud engine to risk score
transactions and reduce chargeback volumes.
About FSS
Financial Software and Systems (FSS) is a leader in payments technology and transaction processing. The company offers a diversied
portfolio of software products, hosted payment services and software solutions built over 25+ years of experience.
FSS, end-to-end payments suite, powers retail delivery channels including ATM, POS, Internet and Mobile as well as critical back-end
functions including cards management, reconciliation, settlement, merchant management and device monitoring. Headquartered in
Chennai, India, FSS services leading global banks, nancial institutions, processors, central regulators and governments across North
America, UK/Europe, ME/Africa and APAC and has 2,500 experts on-board.
For more information, write to [email protected]