CMS Acquiring

Global Payments Europe provides back-office outsourcing service to acquiring banks and other financial institutions. Back-office functionalities are tightly linked to GPE authorization service and represent the processing step in transaction capture, reporting, and financial settlement.

Key Benefits Description

• Data protection
• Development Guarantee
• Cost Saving
• Flexibility
• Reliability
• Central Processing
• Multi-system

GPE service may be used by banks, which already operate an in-house back-office system and are looking for an alternative. Migration to GPE may begin with a single card product or partial segment of the entire portfolio. Later other product lines may be added - up to a full migration. Multi-national institutions would follow a similar process for migration. Our customers distribute the migration workload gradually and benefit from unified management and economy of scale.

Features List

GPE service supports processing of all terminal types: ATMs, cash advance desks, stand-alone POS terminals, integrated solutions, paper sale slips, CATs, and MO/TO merchants. GPE’s customers’ current portfolio includes all these terminal types, which enables the new acquirers to benefit from GPE’s long term experience.

CMS Merchant Module. Highly flexible module for merchant management.

• Terminal/merchant management
• Incentives, commission, recurring, and ad-hoc fees calculation and billing
• Support for multi-currency settlement to banking accounts
• Statements production and financial reconciliation

CMS Transaction Module. EMV ready transaction processing module interfacing clearing/settlement systems of card associations and systems

• Transaction life cycle management, chargeback processing
• Clearing file transfer from/to American Express, Diners Club, JCB, MasterCard, Visa
• Transaction history
• Fraud reporting, interface to Fraud Detection Service
• m-Commerce a e-Commerce support
• Full transaction reporting and reconciliation

CMS Statistics Module

• Issuing, acquiring, and security reports
• Reporting to associations
• User-defined reports

How It Works

At implementation the acquirer selects its preferred mode of operation.

• Batch mode. Data between GPE and the acquirer are exchanged in batch mode utilizing GPE’s data file formats. These formats will be made available to the acquirer prior to operations. This mode is recommended to large portfolios and enables effective sharing of information between GPE and acquirer’s systems e.g. internet/phone banking systems, data warehouses, customer information files etc.
   
• Remote terminal access. Acquirer may access the full service functionality by a secured remote link to GPE back-office systems. This mode is recommended for smaller portfolios, which do not require high-capacity batch interface. However, this access is the preferred mode for dealing with emergency entries, information look-up, and disputed transactions handling.
   
• Combined mode – batch + remote terminal. Brings together the benefits of both modes.

At operations the back-office provides data links between different sub-systems and functionalities involved in merchant and transaction life cycle. Such functionalities include:

• Merchant contracting and training
• Terminal installation and set-up
• Transaction capture from authorizations, card association clearing, or on-us internal transaction sources
• Statements preparation and printout
• Reporting, accounting data, static data transfer to acquirer’s systems

Back to CMS and Back Office Issuing