The Payment Processors continue to play a key role in providing financial institutions with Technologies, Infrastructure and Operational Services for payments on various business segments that benefit the financial institutions, third parties, merchants, banks and others.


The Girmiti Software team has in-depth understanding and on-field experience in this business environment to scope, architect, develop and production support various facets of the system. We help our customers in design, developing the core features, legacy enabling, deploy and implement for their partners along with customization and integration to third parties following which support deployment in production either at customer premises or third party environments.

The requirements for a Processor would typically encompass the Issuance and Acquiring Platforms but with a modular integration and optimization of various application components. These include -

  • Transaction Routing for ONUS Processing

  • Interfaces with Payment Schemes

  • Transaction Engine for processing online transactions

  • Ledger, Cash and Account Management

  • Clearing and Settlement

  • Merchant Category Code based processing

  • Risk and Fraud, Chargeback and Dispute Management Backend Operations

  • Batch processing and reconciliation

  • Merchant Management and interfaces with associations

  • MCC

  • DCC

  • Multi Language

  • Digital Enablement on Smartphones and Wearables

  • Wallets interfaces

  • PG interfaces using ISO or Proprietor or rest services

  • POS Applications and certifications with PNO’s

  • mPOS applications

  • Portals support Admin, Consumers, Partners, Agents and reporting

  • Adopter interfaces for Wallet, issuance and Payment gateway

  • Interfaces with Payment schemes

  • Interfaces with bill desk and other utilities

Girmiti has experienced hands who have worked with processors directly to enable us to understand every nuance of the Processor’s requirements and help them translate that into developing processor engines, portals and services which are tailored to our customer business demands.

We also have relevant experience to help our customers and partners to have the Processor Platform (Issuance/Acquirer) certified by Card Payment Schemes/PNOs, processors with respect to their business segments.

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