The National Switch & National Card Solutions domain enables central banks, national payment operators and regional payment organizations to establish and operate domestic payment infrastructures and national card schemes.
At the core of the solution is the National Payment Switch, providing transaction switching and routing between banks, payment institutions, ATMs, POS terminals, e-commerce platforms and other payment participants. The switch supports domestic transaction processing, interoperability between members of the national payment ecosystem and integration with existing banking infrastructures.
The platform also supports the establishment and operation of National Card Schemes, including domestic card issuing and acquiring, card product management, fee management, clearing and settlement, dispute management and reporting. The solution enables countries and regional organizations to operate domestic payment card programs under their own governance and business rules while maintaining interoperability with international payment networks. To support modern digital payment services, the platform includes Directory Server capabilities for EMV® 3-D Secure authentication, enabling local and regional card schemes to provide secure authentication services for issuers, acquirers and merchants participating in the ecosystem.
The solution can also include Token Service Provider (TSP) capabilities, supporting payment tokenization, digital wallet provisioning, card-on-file services and secure mobile payments through Apple Pay, Google Wallet and other token-based payment services.
Built on open standards and modular architecture, the platform integrates with core banking systems, card management systems, fraud monitoring solutions and international payment networks through ISO 8583, ISO 20022 and API interfaces.
Typical use cases include national payment switches, domestic payment card schemes, regional payment networks and shared payment infrastructures serving multiple financial institution