Enjoy the payment experience

... with complete peace of mind

For several years, the payment method landscape has been characterised by a substantial regulatory and security burden, growing competition with the arrival of new players (PSP, Fintechs, etc.), a steady increase in volumes, added risks, and an increasingly varied range of consumer uses.

Transactis has a role to play in this ecosystem given its ability to offer comprehensive and reliable payment service management and processing solutions at a lower cost.

This is why Transactis is working with European banks and financial institutions to process their everyday transactions smoothly and create value around payment services.

L\environnement Transactis

Trust Transactis with your payments!

Transactis's offerings

In a competitive landscape, stand out with offerings that are innovative, multi-scheme, international and value-adding!

Our e-banking offerings

Transactis provides you with tried, tested and secure cardholder, merchant and ATM e-banking solutions to help you achieve your ambitions and performance targets.

Our e-banking processing offering is multi-scheme and international: it covers all your business activities and card functions and all transaction types (payment, withdrawal, deposit, self-service banking). It also comprises the remote operational management of your merchant and ATM hardware fleets.

Représentation du secteur monétique

Cardholder processing

Our cardholder and card processing offering covers management of the card products and services catalogue, management of their life cycle and the end-to-end life cycle of all cardholder transactions.

Processes handled:

  • Management of cardholder contracts
  • Issuance of bank cards
  • Ordering and tracking of a portfolio of bank cards
  • Strong cardholder authentication
  • Management of issuer authorisation requests
  • Management of interbank clearing and settlement
  • Management of disputes and outstanding debts

Our value-adding services:

  • An extensive catalogue of card products and services for each customer segment, per product range, with numerous customisation options and card services
  • Home banking: services can be managed via Online Banking
  • An e-banking Payment Warehouse
  • Fight Against Fraud with AI (Artificial Intelligence) and cognitive technologies
  • Provision of management tools for e-banking back office activities
  • Regulatory change monitoring and compliance of tools and processes

E-banking lead manager activities can be handled in the framework of our partnerships

E-banking back office activities can be handled

Merchant e-banking processing

Our comprehensive processing offering includes management of merchant contracts, the end-to-end acquisition and processing of card payments, and the supervision and configuration of acceptance systems.

Processes handled:

  • Management of merchant e-banking contracts
  • Management of the interbank database
  • Management of acquirer authorisations
  • Management of acceptance point configurations (EPTs, ATMs)
  • Management of interbank clearing and settlement
  • Management of disputes and outstanding debts

Our value-adding services:

  • An extensive catalogue of merchant offerings suited to evolving uses and covering all their needs
  • A Payment Warehouse
  • Merchant fraud management
  • Provision of management tools for e-banking back office activities

E-banking lead manager activities can be handled in the framework of our partnerships

E-banking back office activities can be handled

ATM processing

Our processing offering ranges from the administrative and technical management of the ATM database to the processing of withdrawal and deposit transactions, and includes the deployment of banking services and remote supervision of the fleet of ATMs and its quality of service.

Processes handled:

  • Management of the ATM technical database
  • Management of authorisations and collection of withdrawal and deposit transactions
  • Management of interbank withdrawal clearing and settlement
  • Management of disputes and outstanding debts, along with ATM surpluses and deficits
  • Management of ATM remote monitoring and broadcasting

Our value-adding services:

  • International, private multi-scheme management: Carte Bleu, Visa, MasterCard, Amex, Union Pay, Discover Financial and Diners Club International withdrawals
  • Note withdrawals with the Dynamic Currency Change (DCC) function
  • Opportunities to deploy banking services on ATMs and to distribute promotional campaigns via ATMs
  • A Payment Warehouse
  • Management of withdrawal fraud
  • Provision of management tools for e-banking back office activities
  • Regulatory change monitoring and compliance
  • Remote monitoring of the fleet of ATMs and its quality of service

E-banking lead manager activities can be handled through our partnerships.

On-site maintenance activities can be handled in the framework of our partnerships.

E-banking back office activities can be handled

Our Instant Payment offerings

Transactis offers you:

  • A comprehensive processing and clearing and settlement solution for your Instant Payment flows
  • An interbank solution for clearing and settlement with European clearing and settlement systems
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What is Instant Payment?

Instant Payment is a new European transfer-based payment method which can credit a beneficiary in less than 10 seconds, irrevocably, thus paving the way for new uses for your customers: cash management, last-minute payments, urgent transfers, face-to-face goods purchases, etc. These are just some of the services to offer your individual, small business or corporate customers.

This service will be available 24 hours a day and will enable the real-time clearing and settlement of instant payments across the whole european SEPA zone.

How Transactis contributes to the instant payment process

Banks & Financial Institutions of the Ordering Party

  • Marketing Strategy/IP offerings
  • Customer Journey/Authentication
  • Customer notification
  • Management position/authorisation
  • IP after-sales service and back office
  • Account maintenance
  • Billing
  • General accounting
  • Bank liquidity

Transactis

  • Handling of IPs sent
  • Processing/Checks
  • Fraud
  • Clearing and settlement operations
  • Notifications/Reports

Clearing Mechanisms (CSM)

  • Clearing
  • Position keeping
  • Settlement
  • CSM interoperability

Transactis

  • Handling of IPs sent
  • Processing/Checks
  • Clearing and settlement operations
  • Notifications/Reports

Banks & Financial Institutions of the Beneficiary

  • Customer notification
  • Management position/provision of funds
  • IP after-sales service and back office
  • Account maintenance
  • Billing
  • General accounting
  • Bank liquidity

What we do:

Processing of your instant payments

  • Acquisition of your payment orders, from your mobile or web applications, via the APIs we provide
  • Bank processing of the transaction so that the account balance can be updated and funds made available; traceability and record-keeping
  • Reports and supervisions to enable you to monitor your operations yourself
  • Value-added services: Fight against Fraud, Compliance of Names & Addresses

Clearing and settlement operations with settlement systems

  • Immediate access to clearing and settlement systems (STET, ABE, TIPS, etc.) directly or via your direct participant
  • Help you choose the CSM best suited to your needs
  • Easier management of your cash using our administration and real-time monitoring tools

Anticipate the services of tomorrow for your customers

  • P2P: Kitties, expense sharing, person-to-person sales
  • C2B: Online payment (e-commerce), in-store payments, bill payment
  • B2C: Repayment, gestures of goodwill
  • B2B: Payment on delivery, “just in time” payment

Our Wire Transfers and Direct Debits offerings SEPA & international

Transactis offers you comprehensive services beginning with the acquisition of your customers' SEPA, international, cash or urgent flows, through to interbank clearing and settlement for all types of customers (private, small business, corporate).

Re-presentation of wire transfers and direct debits

Transactis processes your wire transfers and direct debits for you

Our services cover all the functions of a payment processing operator, namely:

  • Acquisition
  • Processing of bank transactions
  • Interbank clearing and settlement
  • Reporting
  • Value-added services
  • Acquisition of all your customers' payment orders regardless of the channel: entered in your mobile or web apps, or directly by remote transmission
  • Processing of bank transactions so that they can be registered, tracked and recorded
  • Interbank clearing and settlement: access to domestic, European and international clearing systems, tracking of interbank clearing and settlements, management of the relationship with your direct participant
  • Value-added services: re-presentations of unpaid SDDs, macro or micro transaction display options, automatic reconciliation of orders and funds, etc.

Our services are aimed at both banks or financial establishments and at these institutions' corporate customers.

Services for Corporate Customers

  • Acquisition of payment flows in accordance with standards
  • Reports for your back offices and your customers
  • Management of services subscribed to by your customers to complement their payment transactions

Services for Banks

  • Provision of an order book
  • End-to-end supervision, enabling you to carry out real-time monitoring

All these services are provided via our portal or directly via APIs, enabling your back offices to steer your business and intervene if necessary in your customers' transactions.