Postilion for Banks and Processors is an integrated Consumer Payments Processing solution for banks, processors and financial institutions who require a full-featured Payments Engine with strong capabilities in Card Acceptance and Merchant Acquisition, integrated with Back-Office capabilities and Card Management functions, providing fast time to market, reduced cost and complexity.Read the info sheet
Authorization and switch functions with interfaces to the major Payment Networks, host and systems.
Driving and management of a wide variety of POS devices, Electronic Cash Register, ATMs and Self-Service Kiosk, with rich functionalities such as point to point encryption and DCC.
Capability to offer merchants a wide variety of acceptance possibilities, including integrated ECRs, voucher acceptance and private cards.
The back-office components aggregate all the transactions processed by the Payment engine, for clearing with the international Network and for producing extensive reports for business administration.
Complete Off-the-Shelf Solution for Card Processing
Postilion for Banks and Processors offers all the capability you need to bring your Retail Payments business into the 21st century, with full compliance with all the industry regulations and ample choice of functionalities.
Reduce costs while increasing productivity
Postilion for Banks and Processors runs on commodity, off-the-shelf hardware, which significantly reduces infrastructure costs. Its integrated payments engine coupled with card and merchant management capabilities increase overall productivity while removing duplicate functionality, helping to reduce both cost and risk.
Bring products to market faster
Postilion for Banks and Processors comes with extensive software development toolkits (SDKs), enabling the rapidly deployment of new features, significantly reducing time to market. This helps reduce overall development costs and drive new revenue streams.
Central Management of all your POS Portfolio´s parameters
Vendor Independence: Choose from an ample selection of supported POS protocols to lower your acquisition costs
PCI compliant solutions to your Merchant customers, with P2P Encryption
Integrated Electronic Cash Registers and Self-Service kiosks to provide maximum flexibility to your Multi-Lane retailers
DCC and Voucher functionalities for Additional Value.
Omnichannel payment experience supporting both physical and virtual payments through integration with ACI Pay-On platform
Risk and Fraud Management through integration with ACI Proactive Risk Management
Central Management of all your ATM landscape from a single User interface, Including Application update and State and Screen management
Support Cash Dispensing, Full Function, Advanced and Kiosk devices enabling a full range of devices and services to your cardholders
Bulk deposits, Cash deposits and Check Image deposits on advanced ATMs supported
Automated Key Distribution to enable centralized Key management for your ATM network
DCC functionalities for Additional Value, with rates managed by yourself or through a service partner such as Monex
Wide range of Devices supported including NCR, Wincor, Diebold, Triton
Multi-Institution processing enabling processors to deliver payment services to multiple financial institutions from a single instance
Least Cost Routing and Advanced Routing to provide better alternatives for authorization at the lowest possible rate
EMV and Contactless payment processing
Stand-In authorization capability through velocity checking and Balance tracking
PA-DSS validated to reduce Compliance burdens
Time to Market improved through fast implementation and flexible SDK
Continuous Availability through Active-Active deployments
Off-the-shelf interfaces to host systems and regional, national and international schemes
Card Management system for Debit and pre-paid cards
Card lifecycle management for production, activation, redemption and reporting of Issued Cards
Bulk issuance, breakage and float management to enable efficient Issuing of Plastics
New payments instrument, transaction or channel through flexible product architecture
Secure PIN management support and EMV processing through leading hardware security modules
Extensive Reports to view account status, track usage and improve decision making
Central repository for consolidated transactional data, storing it for extended periods of time
Settlement and Reconciliation with networks and card acceptance systems
Fee calculations and distributing revenue owing to all stakeholders
Posting files for GL accounting systems
Comprehensive reporting system, including the creation of merchant statements
Adjustments handling including processing of copy requests and chargebacks
Multi-party settlement cycles several times a day, without needing end-of-day batch reports from EFT networks
Fully compliant with card scheme mandates
Payment Service Management
Payment Service Management powered by Prognosis is an integrated suite of products that provides in-depth monitoring and analysis of your payments transactions, applications and infrastructure.
Proactive Risk Manager
Complete fraud detection solution to manage risk across a financial institution’s business lines and customer accounts.
Mobile Channel Manager
Deliver mobile services to end-users including account management, balance inquiries, transfers, bill payments, person-to-person payments (including PayPal), bill payment, pre-paid purchases, remote deposit capture, ATM/branch locator, SMS notifications, and more.