Dinit's Core Payment System is a comprehensive, feature-rich solution that offers advanced issuing and acquiring functionalities.
It ensures seamless processing through modular, value-added services and various monetization options.
Our cards and accounts management system is designed to support a variety of issuing functionalities.
Consumer and business / corporate cards, linked to accounts (bank or card) with specified limits (balance, daily, or monthly). These cards offer potential for introducing add-on services, rewards, or loyalty programs.
Prepaid and gift cards are convenient cards offering secure transactions across in-store, e-commerce and ATM channels. These accessible payment solutions allow easy fund loading without credit checks, providing a convenient alternative to traditional banking products while maintaining financial privacy.
Disposable cards are enabled through unique transaction number used as a replacement for the real card number. It enables the customer to define single use card, time limited, amount and merchant category specific token.
High secure and risk limited authorisation and consequent clearing thru the payment networks in e-commerce world.
Our fleet and fuel solutions integrate the advantages of oil companies with international payment scheme cards. These include fuel discounts, loyalty features, spending control, enhanced data processing and ERP integration, providing a comprehensive solution for fleet management.
A cardless travel account that allows travel reservations through any TMC and single monthly bill. Through BTA enhanced travel data are collected from TMC for reconciliation of travel data with payment data.
Key benefits:
Integrated with schemes' token services to manage tokenized digital cards in various xPay wallets (including Google Pay, Apple Pay, Xiaomi Pay, Swatch Pay, Garmin Pay and Fitbit Pay) for secure and seamless mobile payments.
BNPL functionality offers cardholders flexibility in managing their payments for a selected transaction, which can be activated through various modes and managed across multiple channels. Cardholders can customize their repayment plans based on duration or maximum monthly amount to be paid.
This feature supports diverse pricing models, including fee-driven, interest-driven, or a combination of both, while also enabling separate limit management for instalment plans.
Co-brand module basic functions are: account partner definitions, brand share profit/fees definitions and reward definitions.
Loyalty programs includes earning and redemption process management (couponing, vouchers etc) and special spend promotion loyalty engine (tracking of target spending and spending achievement).
A dual scheme card as a single card connected to one account with a unified account limit, designed to expand card acceptance and increase cardholder spending.
Our merchant management system is designed to support the entire merchant lifecycle and offers a range of acquiring functionalities.
A straightforward and secure method for collecting online payments without the need for merchant integration. Merchants can share payment links or QR codes and manage payments through the merchant portal or app.
This functionality enables remote payments without having an e-commerce website.
At all points of sale that have a contract for installment payments, cardholders can select the number of installments, the installment amount and the due date directly through the POS terminal.
Our authorisation system flexibility allows seamless ISO protocol routing and transaction switching between different schemes or POS service provider standards.
Provides merchants with multiple options for receiving transaction data, including account statements, merchant portal, direct file transfers to servers or email and app access.
Enables digitization of POS terminal receipts through dedicated APIs and terminal-to-system communication, allowing cardholders to download receipts via SMS or email . Receipts are also stored on the merchant portal for merchant access.
Calculates merchant fees (commissions) in standard mode (with fixed amount + percentage, limited by minimum and maximum amount) or MIF++ / interchange++, where the total commission includes the three components specified by the European Commission regulation.
Enables the selection of different currencies at POS terminals.
Processes transactions at unattended fuel station terminals. The acquirer sends an authorisation request to verify cardholder funds, followed by an authorisation advice to confirm the transaction amount, ensuring cardholder funds sufficiency.
Essential for e-commerce, securely transferring payment information from the merchant's website to the payment network. It supports various payment methods, from cards to digital wallets, ensuring global reach and flexibility. Designed to integrate seamlessly with your technology, it allows for a customized merchant service offering, enhancing the customer experience.