PPF PRODUCT SHEET: PAYTEQ PAYMENT FOUNDATION

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1 PRODUCT SHEET: PAYTEQ PAYMENT FOUNDATION Payteq Payment Foundation offers the high-performance payment processing capabilities required for business-critical on-time payments in a Win-Intel distributed environment. It provides a single solution for sending and receiving low-value high-volume mass-payment files and real-time single payments, as well as providing management information reporting. This solution is suitable for banks and corporates and interfaces with your line-of-business systems and the National Payment Clearing House. PPF 16 Pieter Street Manhattan Office Park Centurion ph fax connect@payteq.com Advanced Payment Technology

2 Payteq Payment Foundation T H E P A Y M E M T SO LU T IO N TH A T WORKS FO R YO UR O RGANIS A T IO N. Payteq Payment Foundation is designed with global positioning in mind, but is currently modeled on the South African payments landscape. D E L I V E R Y PAY MEN T ST REA MS EFT NAEDO RTC CLC OTHER S ER VICE S ACCOUNTHOLDER VERIFICATION. PCH REPORTS. ONLINE PAYMENT MANAGEMENT BILLING It is Payteq s goal to be the preferred supplier of payment and related software solutions in EMEA. Currently we have the lion s share of payment solutions in banks and large organisations in Southern Africa and are currently soliciting business in the rest of Africa. Payteq Payment Foundation is robust, flexible, scalable and easy to use and provides a single user interface for all payment streams and services. B U S I N E S S V A L U E P R O D U C T O V E R V I E W Payteq Payment Foundation offers a complete Payteq Payment Foundation is Payteq s electronic fund transfer (EFT) payment solution unified payments services platform that for traditional EFTs, early debit orders combines payment processing and (NAEDO), real-time clearing (RTC) and enterprise-wide high performance data accountholder verification in a single solution. transport functionality between similar and Payteq Payment Foundation is designed to diverse platforms. safeguard data integrity and privacy, to assure Integrated product features allow for confidence in managing high value data assets automation of payment processing, straight safely from processing-to-destination. It through processing, centralised billing and combines multiple applications into a single relationship pricing, as well as protection of solution to provide holistic payment processing data privacy and integrity. and delivery. Payteq Services provides a portfolio of payment services delivered through Payteq internal staff and a network of established partners chosen to help you achieve a successful deployment and get the desired business results as quickly as possible. Our standard service offerings are designed to speed deployment and accelerate the learning curve for your staff. Payteq s field-proven Windows best practices and training, lower risk, improve use/adoption and ultimately align the product configuration to your business requirements. W E P R O V I D E S O L U T I O N S TO M O R E T H A N 1 4 B A N K S I N S O U T H E R N A F R I C A. H O W C A N W E H E L P Y O U? Our solutions are customizable to suit your business needs.

3 Capabilities The Payteq Payment Foundation (PPF) is an integrated collection of standard payment services presented on a SOA platform. Interchange 2015 is our SOA platform of choice and combines as a component integration tool that forms the framework to build process-flows that process electronic mass payments (EFT & NAEDO), single real-time payments (RTC), Accountholder verification (AVS) requests and related non-financial transactions (PCH reports), reliably and efficiently with need-to-know events and notification on process progress. PPF uses Windows Authentication (Kerberos) and Federation Server to manage user roles and access. Our role based access control (RBAC) provides a simplified way to manage groups, business rules and authorisation policies in a secure infrastructure. PPF addresses high availability by providing out the box Failover Clustering and Network Load Balancing with sync point restart to eliminate single points of failure. The platform allows for scaling out to n servers depending on capacity planning load requirements. Load balancing is taken care of either by message queues or hardware switches. The PPF provides a single consolidated UI through our Insight 2015 to launch PPF and custom application servers and allows for a customizable home page to display your enterprise-wide focus activities. Our Servers and Services are billing-aware to enable our centralised billing engine to automatically process invoices and statements. In the PPF, Interchange moves data safely and efficiently between processes and between similar and diverse platforms, ensuring a reliable payment delivery, with integrity and privacy as part of the process and with a minimum level of manual intervention. Data is moved and converted to formats native to the receiving platform, or to a user-customizable format. Below is a review of the Payteq Payment Foundation features that implement this robust functionality. Key Features Single processing platform for all Low-value electronic payment streams: The system has the ability to distinguish between different payment-streams (e.g. EFT, EDO or RTC): All payments are processed on the same platform with an integrated service orientated payments architecture. Integrated service orientated payment architecture: All external, internal and user interfaces are connecting to a single foundation technology platform called Interchange. Interchange orchestrates the firing of appropriate process-flows to deliver a defined service.

4 Key Features Continue Security is paramount: Users are authenticated and entitled by Windows Authentication on a domain controller through a Federation Server within your organisation. Entitlement Server 2015 manages the user s roles. Connectivity to web services in Interchange is through SSL mutual authentication. Configurable rules based system: Business professionals can model existing process-flow to suit business requirements for fee structures and processing concept to market with no IT intervention and zero downtime. SOA compliant: Our architecture is SOA compliant and helps businesses respond more quickly and cost-effectively to changing market-conditions. Central system-wide monitoring and event management: Insight Server provides a global view and management of events as they occur in PPF. Single consolidated User Interface for accessing all applications and services available on the PPF platform: Insight 2015 provides you with an integrated user interface with a single logon to access systems defined in Interchange 2015 as per your access permissions and role. Built in failover: Synchronisation points allows for processing to be completed on a different machine when the original machine fails. Supports load-balancing: The solution could scale out with any number of servers depending on the demand. Incoming and outgoing data will be shared amongst the available servers for processing. Customisable User Interface: You can customise your home page in Insight 2015 and create a tailored dashboard for your individual needs. Cater for multiple data formats: Although we are SOA compliant, PPF is capable of accepting data in other non-xml formats and converts the data into the internal XML format before processing. Caters for multiple communication protocols: Although the primary communications protocol is TCP/IP using web services, PPF caters for a variety of legacy protocols with support for message orientated middleware such as Connect Direct, XCOM and MQ Series. Generate multiple message formats: In addition to industry standard payment file formats such as ISO 2022 PPF also caters for local proprietary formats e.g. BankServ ACB, Standard bank CATS, FNB PACS, Nedbank CPS or Absa LDC etc. Global view of all payment transactions: Filters are available to view per payment stream, action date, client account, amount or reference number and other filters. Set blocked days for processing (no processing): PPF maintains a processing calendar and will not fire any processes linked to this calendar on blocked days.

5 Key Features Continue Central alerts server: Build templates with tags where each tag represents a field in a database table to send personalised messages to people. Thresholds are setup be monitored by the system and alerts are generated accordingly. Central user action audit log: User actions such as logon, create, update and delete are logged and before and after images are stored. Segregation of duties: User actions can be set to be authorised by another user in the same group, system wide or of a higher authority. Store for forwarding, auto retry and alternative processing: Interchange has the ability to store messages/files for later processing as configured or when the receiving system is up. When an message/file fails to reach its intended destination the system can retry a configured number of times with defined intervals or use alternative routes to send the message/file to the destination. Integrated relationship-based pricing and centralised billing: Relationship-based Pricing is a customer-centric framework that helps your organisation treat each customer uniquely, based on the overall relationship value, with innovative pricing strategies achieved by streamlining and automating Usage information that can be turned on/off for all payment streams and services. Benefits We focus on our niche market only Blue chip customer base Payment knowledge accumulated over 15 years by leading system specialists Reliable proven software Industry changes are applied without additional costs to our customers A single platform for low-value payments - simplifying user experience Reliable delivery and automated transaction recovery ensures data integrity throughout the processing environment Data encryption enables protection and privacy of data transferred over public networks Customizable payment processing allows seamless integration into business processes

6 Why Payteq Payteq is the leading provider of payment processing and delivery solutions in Southern Africa. We have a pristine customer base of consisting of banks, governments and large organisations. We have a formidable team that has been with Payteq for over 20 years and our knowledge of the payments industry in Southern Africa is unsurpassed. We are constantly investigating new technology to improve our systems and our customer s experience. Copyright 2015 PAYTEQ. All rights reserved. z/os is a trademark of International Business Machines Corporation in the United States, other countries, or both. All trademarks, trade names, service marks and logos referenced herein belong to their respective companies. This document is for your informational purposes only. Payteq assumes no responsibility for the accuracy or completeness of the information. To the extent permitted by applicable law, Payteq provides this document as is without warranty of any kind, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event will Payteq be liable for any loss or damage, direct or indirect, from the use of this document, including, without limitation, lost profits, business interruption, goodwill or lost data, even if Payteq is expressly advised in advance of the possibility of such damages.