The A360 Payment Suite platform provides a complete Card Issuing solution covering customer and account management, card product and lifecycle management, card personalization, real-time authorization and transaction processing, fraud and risk management, tokenization, digital wallets, PIN management, clearing and settlement, dispute management, credit card management, loyalty and rewards, customer self-service, regulatory compliance, and advanced reporting and analytics.
On the Card Acquiring side, A360 Payment Suite offers comprehensive merchant management, terminal management, merchant transaction processing, authorization processing, transaction switching and intelligent routing, e-commerce acquiring, digital wallet acceptance, merchant settlement, fee and pricing management, clearing and reconciliation, chargeback and dispute management, fraud and risk management, Dynamic Currency Conversion (DCC), ATM acquiring, merchant self-service, profitability analytics, and regulatory compliance.
A dedicated EMV® 3-D Secure Authentication framework provides complete support for modern cardholder authentication through an integrated Directory Server, 3DS Server, Split SDK, and Access Control Server (ACS), enabling secure authentication services for both issuers and acquirers while supporting the latest EMV 3DS standards.
The platform is further enhanced by a comprehensive Fraud & Operational Control suite, including real-time fraud detection, Anti-Money Laundering (AML), dispute management, and simulation and certification tools that help financial institutions maintain secure, compliant and resilient payment operations.
Built on a secure, scalable and future-ready architecture, A360 Payment Suite combines end-to-end payment processing, operational efficiency, regulatory compliance, real-time business intelligence and open integration capabilities into a single, converged platform. Its modular design enables organizations to deploy individual functional domains or the complete suite, providing the flexibility to support evolving business strategies while accelerating digital transformation and delivering secure, intelligent and future-ready payment ecosystems.
The Cardholder Touch Points represent all customer-facing channels through which cardholders interact with the payment ecosystem throughout the complete payment lifecycle—from card issuance and activation to transaction initiation, authentication, account management and value-added services. These channels provide a consistent and secure user experience regardless of the payment instrument or acceptance channel.
Typical Cardholder Touch Points supported by the A360 Payment Suite include:
- Physical Payment Cards (Debit, Credit, Prepaid, Corporate and Virtual Cards)
- POS Terminals (Chip, Contactless and Magnetic Stripe Transactions)
- ATM Network (Cash Withdrawal, Cash Deposit, Balance Inquiry, PIN Change, Mini Statement)
- E-Commerce Websites
- Mobile Commerce Applications
- Merchant Mobile Applications
- Mobile Banking Applications
- Internet Banking
- Digital Wallets (Apple Pay, Google Wallet, WeChat Pay and other)
- QR Code Payments
- Wearable Payment Devices
- Self-Service Kiosks
- Call Center / Customer Service
- SMS, Push Notification and OTP Channels
- EMV® 3-D Secure Authentication Interfaces
Regardless of the access channel, all transactions and customer interactions are processed through a common security, authorization and transaction processing framework, ensuring a consistent customer experience and centralized operational control.
Integration Points
The Integration Points represent the external systems, networks and business applications with which the A360 Payment Suite exchanges information in real time. They enable seamless interoperability between financial institutions, payment networks and third-party service providers while supporting open, standards-based integration.
Key Integration Points include but are not limitted to:
- Core Banking Systems
- Payment Networks
- Financial Market Infrastructure
- Merchant Ecosystem
- Banking Delivery Channels
- Payment Acceptance Infrastructure
- Security Infrastructure
- Digital Payment Services
- Fraud, Risk and Compliance Systems
- External Business Applications
Business Value
By combining comprehensive Cardholder Touch Points with extensive Integration Points, the A360 Payment Suite provides a unified payment ecosystem capable of supporting the complete payment lifecycle—from customer interaction and transaction initiation through authentication, authorization, clearing, settlement, fraud prevention and reporting. This architecture enables financial institutions to deliver a seamless omnichannel customer experience while ensuring interoperability, operational efficiency, regulatory compliance and rapid integration with existing and future payment infrastructures.