Enjoy the payment experience
... With complete peace of mind
Customer behaviours and requirements, innovations, increased presence of new actors and regulatory constraints… the Payments and E-Banking world is facing intense changes that are forcing financial institutions to make extensive IT investments, while seeing their revenues decrease.
For more than 10 years, we have been working everyday with European banks and financial institutions to process their transactions smoothly and create value around payment services.
Transactis now enables you to benefit from this investment through its banking and technical expertise, offering you a complete range of innovative services on robust, industrial and proven platforms.
TRUST TRANSACTIS WITH YOUR PAYMENTS !
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ACCELERATE YOUR TIME TO MARKET
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OPTIMISE YOUR INVESTMENTS
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SHARPEN YOUR COMPETITIVE EDGE
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REAP THE REWARDS OF INNOVATIVE SOLUTIONS
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ENSURE AND COMPLY WITH HIGH SECURITY STANDARDS
Transactis's offerings
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: 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 ATM hardware fleets.
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
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
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
Our Instant Payment offer
Instant Payment paves the way for an outsourcing and pooling strategy
Strongly supported and encouraged by the European Commission and the European Payments Council, Instant Payment represents a technical revolution requiring banks to make large investments.
In a context of regulatory constraints and increasing cost pressure, we believe that investment sharing is now a major challenge for the competitiveness of banking operators.
You can now benefit from an industrial platform: thanks to its IP service offering, in production since December 2018, Transactis, a key player on the payment market, helps you to organise and quickly propose a turnkey service offer for the acquisition, processing and exchange of the inbound and outbound Instant Payments of your customers, be they individuals, professionals or companies.
Transactis’ “Payment As A Service”, a complete and scalable offer
Thanks to our API catalogue, we enable you to easily propose your IP offer to your customers directly through your distribution channels for:
the receipt of Instant Payments 24/7/365
coming from the SEPA zone (mandatory to join the SCTinst scheme)
the acquisition, processing and interbank exchange
of Instant Payments initiated by your customers
Our offer is compatible with all enrolment methods that you may offer to your customers (telephone number, QR code, Paylib, bank card, etc.)
Connected to the French STET interbank exchange system, our Instant Payment platform makes it possible to reach all French banks in real time, and soon all European banks, via RT1 and TIPS.
In addition, our platform incorporates an efficient anti-fraud solution based on market tools which have been proven in the field of e-banking fraud prevention.
Simple integration via API
Our solution does not require you to install any software: we take charge of the hosting of our platform and daily monitoring of processing operations, transactions and interbank exchanges.
An industrial solution for the generalisation of immediacy
And since we believe in the future of Instant Payment, we have designed our solution to be natively capable of processing large volumes securely; it is therefore ready to accommodate new customers seeking a proven, economical and scalable solution.
We guarantee the scalability of our solution by taking into account new use cases requested by our customers and continuously upgrading the platform (regulatory compliance, technology and security).
Partnership with Societe Generale for its bank customers
In order to definitively facilitate banks’ accessibility to IP and eliminate the complexities of accessing exchange systems, we propose a complete offer in partnership with Societe Generale, which combines:
the Transactis service offer (connection to the platform by API, monitoring 24/7/365)
the banking services of Societe Generale (representation on the exchange systems, liquidity management, compliance checks, monitoring tool for your Instant Payments, etc.)
Transactis enables you to respond to the challenge of Instant Payments and be more present and innovative than ever on the European market.
Our Wire Transfers and Direct Debits offerings
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).
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.