ISO8583 API (Application Program Interface)

API (Application Program Interface) is an application that connects the backend with the front end system which usually talks to a certain protocol.

The function of API ISO8583 is to bridge a biller (merchant / service provider / business owner) so that the product can be listed on the ATM / mobile banking / internet banking menu of one or several banks. Or in other words, the ISO8583 API is needed by the Biller to make online payments to the banking system.

Payment FrontEnd

Payment Frontend is a GUI application that is used directly by the user to make payments for products and services. for example: Telkom, PLN, PAM, Mobile Credit, and others

Payment Protocol Middleware

Middleware is an application that connects different parts of a system. for example in a n-tier system. Middleware applications are used to connect the frontend to the backend tier, because they receive a lot of transaction hits, the middleware application must also have strong performance. Middleware for payment protocols is similar to API ISO8583, but for different protocols, for example XML, JSON, and others depending on the backend and frontend customer.

Payment Switching

Switching applications are applications that switch all communications between several types of frontends and several types of backends. Routes and data splitting rules are based on the rules that have been set in switching. Payment Switching is an application that routes payment transactions between CA and several billers. So with switching, the products of a biller can be accessed by many CA through only one connection. and similarly, the CA can make payments to multiple billers by only making one connection.

3DSecure MPI (Merchant Plugin Interface) Application

3DSecure is an online credit card payment protocol developed by Visa, so that online credit card transactions are more secure and avoid hacker attacks. 3DSecure has been widely used in all Merchant Websites Online-Shop in the world as a complement to their web security. The 3DSecure MPI application is an application that is placed on the merchant's web so that they can make buying and selling transactions online safely. Web that has been verified by 3DSecure will receive the 'VbV (verified by VISA)' logo from VISA and the 'MasterCard SecureCode' logo from MasterCard.