A MULTICHANNEL PLATFORM COVERING THE ENTIRE VALUE CHAIN OF ELECTRONIC PAYMENTS
MX Payment™: a modular suite of solutions for all your payment needs
Our products and solutions offer a full range of features to support payments in a secure environment. MX Payment™ orchestrates all aspects of payment processing for any type of transaction (withdrawal, payment, transfer…), via any means of payment (debit card, credit card, prepaid card, e-wallet, m-wallet, and many others) and on any channel (ATM, POS, Mobile, branch, online portals…), with any currency or via any payment scheme (Visa, Mastercard, UPI, AMEX, Diners, RuPay…).
Modules for Issuing
Card Management System
Manage any type of cards (Debit, Credit, Prepaid ...) and access global payment networks Visa, MasterCard, UnionPay, GCB, GIM-UEMOA...
The MX Card Management System™ module enables you to enhance your issuing capabilities and manage the entire lifecycle of your Card products while integrating flexibility and advanced parameters for each type of product.
Virtual Cards
Give your customers more choice with both virtual card issuing and onboarding on major Wallets Google Pay, Apple Pay, Samsung Pay, We Chat Pay ... with card virtualization on connected devices.
Revolutionize your market with virtual card issuing, a modern and secure payment method.
Instant Issuing
MX Instant Issuing™ allows you to personalize and instantly issue in-branch any type of cards (Debit, Credit, Prepaid ...) on all international networks Visa , Mastercard, UPI, GCB, GIM-UEMOA ...
Give your customers the possibility of personalizing and activating multi-purpose cards in the branch in no time at all.
e-Wallet, Mobile Wallet
MX Wallet™ allows you to configure, issue and manage your own Wallet product (eWallet, MWallet, Mobile Money ...). MX Wallet™ offers you both a mobile back-office and a carrier application integrating a suite of value-added services: Money Transfer, Utility Payment (Invoices, Recharge ...), Cash-out, Cardless Withdrawal, QR Code Payment, NFC Payment ...).
Modules for Transactions Processing
Clearing & Settlement
MX Clearing & Settlement™ facilitates the automated and transparent transfer of the holder’s transactions to its bank account thanks to a complete management of the interbank clearing. The latter supports any payment method, any channel and any type of transaction.
Dispute & Chargebacks
MX Dispute & Chargeback™ enables fast and transparent resolution of any type of electronic payment dispute – issuer, acquirer and interbank – thanks to efficient and automated management of the processing workflow: automatic allocation of litigation cases to investigators, possibility to automate processing standard dispute cases, decision support tools and automatic multichannel notifications to customers and operators.
Modules for Switching
MX Switch™ allows electronic transactions to be routed between payment acquirers, electronic banking centers and domestic and international issuing institutions via Visa, MasterCard, UnionPay International and many other standard interfaces. It is compatible with all types of transactions (withdrawal, payment, money transfer, and many others), any channel (ATM, POS, mobile phone and many others), and any means of payment (debit card, prepaid, e-wallet, m-wallet, and many others).
Modules for Acquiring
ATM Acquiring
To facilitate management of ATMs and reduce operating costs, MX ATM™ offers centralized management of all types of ATM : multi-vendor, multi-lingual, multi-currency and for any payment instrument (debit card, prepaid, e-wallet, m-wallet, cardless and many others), both domestic and international via Visa, MasterCard, China UnionPay and many others. This module offers as well set of valued added self service banking services on ATM, such as bill & tax payments, transfers, top-ups, cash in, cash out, cash advance, cardless operations, advertising, PIN and card management…).
POS Acquiring
To facilitate the management of payment terminals and reduce operating costs, MX POS ™ offers centralized management of any type of terminal (contact & contactless, RTC or mobile, cluster) regardless of the manufacturer, multi-lingual, multi-currency and for any payment method (debit card, prepaid, e-wallet, m-wallet, tanker, cardless and many others). It also supports interbank and international transactions via Visa, Mastercard, UnionPay International and many others.
Mobile Acquiring
MX Mobile Gateway ™ enables the end customer to transform their mobile phone, whether it is a simple mobile phone or a smartphone, into an advanced payment station that goes far beyond merely contactless payment at the merchant. They can also pay their bills, taxes and tickets online, access their banking services, top-up their mobile account and prepaid cards, or transfer money to their loved ones.
Internet Acquiring
MX Internet Gateway ™ offers a highly secure online payment platform regardless of the country or currency. It is a flexible platform interfacing easily with any type of website and facilitating any e-commerce transaction: purchase of goods or services, payment of invoices, tickets and taxes of any kind. It offers several languages and several modes of delivery and management of e-shopping carts. It interfaces with e-money networks to allow real time transactions and is compatible with the main internet payment systems.
Merchant Management
MX Merchant Management ™ allows to centrally manage the multiple POSs of retail chains and merchants of all types: retails, shops, markets, sales by tour, distance selling, internet sales, supermarkets and hypermarkets. The solution assists merchants through the various market regulatory changes and supports large volumes of transactions.
3rd Party Payment
MX 3rd Party Payment ™ offers a reliable and definitive solution to branch queues thanks to a wide range of electronic payment services for fines, taxes and invoices of all kinds: water, electricity, telephone and television subscriptions. These payments can be made on several channels (ATM, POS, mobile, internet and many others) with flexible payment methods allowing the inclusion of unbanked customers: cash, check, bank transfer and payment cards of any kind (debit, prepaid, e-wallet, m-wallet, and many others).
Modules for Security
Strong Authentication
In response to the resurgence of electronic fraud and cybercrime, MX Authentication™ enables strong end-user authentication for all types of Internet transactions (payment, money transfer, account consultation and many others), with any payment method (debit card, prepaid, e-wallet, m-wallet, and many others), and any channel (mobile phone, computer, tablet and many others).
Risk & Fraud Management
MX Risk & Fraud™ protects holders, merchants and financial institutions against fraud on any type of transaction whatever the channel. The application allows proactive detection of holder and merchant fraud attempts for issuers and acquirers through advanced risk calculation algorithms based on the transactions history and comparisons with typical models of behavior of fraudsters. In case of fraud detection, it is possible to block the transaction automatically and to alert the customer, operators and electronic payment units in real time by sms, email, and many other channels.