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 products@fsstech.com