For the digital payment business of the future.
GBS pay
GBS Gateway | Transaction Hub | Payments Platform
We provide the solution for true end-to-end payments (e-commerce, POS, SoftPOS, ATM) and the digital platform banking (open banking) of the future. We support all relevant payment methods such as:
- classical payment (transaction hub | payment platform)
- Instant Payments
- Mobile payment
- as well as other cashless payment alternatives such as invoice purchase and more.
- Other online real-time procedures in the banking sector (PIN distribution, e-safe, etc.)
With us, you benefit from modern services including, among others:
- Processing of all payment methods
- Modern risk management and fraud prevention
- Real-time monitoring
- Automated invoicing and commission settlement
- Flexible analytics and reporting
- Clearing und Settlement
- POS Management and Field Services
- SoftPOS solutions across Europe from a single source
- Accounts receivable and cash management
- Flexible marketplace solution and affiliate system
- Subscriber and membership management
- MOTO/ Pay by Link/
Pay by tab/ Wallet - Customer centricity across all channels
- Shopping cart analysis
- Consumer credit
- and more
With us, you overcome existing silo and divisional structures. We ensure comprehensive data visibility (customer centricity) for your customers. The GBS Gateway connects national card schemes such as girocard© with international card networks, providing customers with full flexibility across all usage environments. This gives the cardholder a range of uses that leaves nothing to be desired, andat the same time makes him or her fit for Mobile Payment such as ApplePay ©, Google pay ©, Samsung pay ©, etc.
Thanks to the modern software architecture of the GBS Gateway, its independence from operating systems, and the ability to operate in pure or hybrid cloud environments, we can significantly reduce time-to-market for launching new products and services. At the same time, we achieve substantial cost savings in IT infrastructure operations—delivered in-time and within budget.
AUTHENTIC
AUTHENTIC, as the core application of our GBS Gateway, is an intelligent, highly available, and efficient real-time transaction processing platform, specifically designed for today’s rapidly evolving payments landscape. Whether for merchants, acquirers, issuers, banks, or processors handling conventional or real-time payments, AUTHENTIC offers flexibility, efficiency, and future-readiness for managing even the most complex processes on a single platform.
- PLATFORM: AUTHENTIC processes and converts every transaction, regardless of its origin.
- CUSTOMER-CENTRICITY: AUTHENTIC captures all transaction data of your customers in a single logical database, overcoming the traditional and still prevailing silo structure in the payment business and beyond.
- TIME-TO-MARKET: AUTHENTIC provides real-time, up-to-date client information for each business report at any time. This ensures a fast and customer-focused introduction of new products and services.
AUTHENTIC is high performance and PA-DSS certified with 10,000 transactions per second. AUTHENTIC can take any type of transaction from any device, source or system, authorise and authenticate it and forward it to any destination. AUTHENTIC offers multi-institution, multi-currency, multi-language and multi-channel support through its flexible and efficient architecture, and enables compliance with current and future EMV standards as well as contactless and mobile payment.
AUTHENTIC has a modern architecture and can be deployed in the cloud, in a traditional data centre environment or in a hybrid operating model.
FRACTALS
Fraud Management | Risk Management
FRACTALS (Fraud Management | Risk Management)combines and evaluates information from any payment channel and thus consequently follows an omni-channel approach. In this way, data from card-based transactions, from online banking or mobile banking can be linked and evaluated in real time. Highly suspicious transactions can be rejected directly during authorisation processes with a previously unattained level of accuracy.