ACH Financial Switch

• The National Payment Card switch will provide enrollment and routing functionality.
• Interfaces to web or client-based enrollment application.
• Provides flexible message format to accommodate retailer infrastructure standards.
  
  
• The National Payment Card Financial Switch provides real-time validation of ID and PIN. Logs transactions for daily ACH batch settlement.
  
  
• The National Payment Card enrollment process and business rules are designed to mitigate risks providing mechanisms using velocity parameters that are tied directly to vertical markets. For example, a gas station payment card usage and expenditure can be controlled within certain parameters of normal usage and cost, relevant to a normal usage of gasoline per week.
  
  
• National Payment Card provides an integrated POS solution offering consumers an immediate cash rollback at the pump that is self-funded by savings through the lower processing cost of an ACH Payment transaction
  
  
• The National Payment Card Financial Switch supports ISO 8583 protocol and uses multithread technology for packet performance.