Payments & Consumer Credit
Flexibility and comprehensiveness in the world of payments.
Aware of the specific needs of each geography, Asseco PST offers solutions tailored to the requirements of their respective markets, fully integrated with Promosoft Financial Suite - PFS applications.
Our payment solutions allow managing billing and payment processes carried out in the different clearing systems, cards, transfers, cheques, direct debits and host-to-host payments.
We have a second Card Management solution that can be installed independently, outside the PFS framework.
Both ensure the completion of end-to-end business processes, from the initial transaction, through communication/integration with processors and market clearing houses to the accounting and allocation of the customer's accounts with the bank.
Comprehensive solution
• Multi-currency and multilingual support
• Easy 'Product Setup', the latest Payment services available, offering consumer credit and managing insurance policies
• Flexibility, MasterCard and Visa terminals, wallet payment, digital card with tokenized payments such as ApplePay, GooglePay, FitbitPay,…
• Full card lifecycle management, transaction reconciliation, settlement and accounting
• Revolving, installment credit and current account
• Multiple amortization options
Flexible
• Adaptable to each business scenario and geography
• Multiple card schemes in a single terminal, allowing the creation of different card products with connection of each one to a specific card scheme
• Easy integration with different Core Banking systems when necessary
• Manages purchases in installments originated in the selected EMV option or via internet and mobile banking
• Highly flexible pricing module that makes it a tool that can be used in different contexts
Future oriented
• Oriented towards the service and dissemination of these services to any banking channel
• Compatible with PCI-DSS and PSD2
• Fintechs Payments Gateway, specially prepared for integration with fintechs
• Credit scoring
• Digital Payments Portal for e-commerce transactions
Customer oriented
• CRM interface
• In event management, it is possible to configure customer notifications: e-mail, SMS, push notifications or letters
• Price list management, by product, customer type or customer classification
• Loyalty programs, which produce preferential interest rates, special grace periods, cashbacks or special rates on fees and commissions
Operationally robust
• All interest is accrued, even in the revolving calculation
• Commercial, operational and regulatory reports
• Native reconciliation processes
High availability
• Payments available 24/7
• Scalable and multi-queue architecture