Advantica is a complete payments and cards management platform, providing a complete workflow in terms of
multi-channel, multi-cards and multi-schema support to payment business.
One of its key features is the ability to be integrated with existing systems (including legacy applications) already present in IT architecture of Banks, Payments Systems Providers, Payment Organisations or Clearing and Settlement Agents.
In 2014 in the Technological Competition organised by a leading banking publication Gazeta Bankowa, Advantica won the title „2014's recommendation for financial institutions”, and PEKAO SA (Unicredito Group) PeoPay product based on Advantica achieved „Hit of the Year 2014”.
Unique feature of the Advantica platform is its ability to handle credit and prepaid card accounts. The platform can also integrate card accounts operated in other banking systems.
EMV standard support, including scripts and CAP/DPA or XLS applications. Full support for NFC technology (PayPass/payWave) with CNP and PMS transactions.
Advantica supports full bookkeeping management for card transactions:
The platform also allows for card provisioning and access, limits and authorisation control.
Full support for transaction limits, including limits per transaction type (NFC, chip, magnetic track or without physical card’s presence).
Performs seamlessly in any information systems architecture.
Its key feature is ability to implement a new line of payment cards independently of lines already in operation.
Advantica allows for per product configuration based on one of three possible types:
Advantica has a backup authorisation module STIP.
In case of network link failure or core banking system downtime, Advantica is able to do autonomous authorisation of operations through its own platform.
While this provides easy payment services, it may also pose a risk for a financial institution. To reduce the risk, various configurations of limits can be set up for different customer segments, different card products and location or type of transaction.
STIP mode can be activated manually (i.e. in case of planned maintenance) or automatically in case of the backend financial system is unavailable.
Advantica has fraud detection function supported by Softax IFD module that is capable to detect faud context. Detection of fraud context is based on a highly configurable scoring module and consists in capturing information about transactions and their comparison with built-in patterns of abuse.
This functionality allows to discover fraud cases related to financial or non-financial authorisations (in online or near-online mode of operations). The fraud detection module helps also in production of SAFE/TC40 report.
Support for product requests through the use of Softax BPM (Business Process Management).
Full support for card issuing and production.
Support for Call Center Agents (post issue maintenance) through automation of claims management processes, chargeback services, and built-in knowledge management repository (Q&A) that is also accessible to customers.
Full card parametrization, including tools for designing card graphic form that can be done by users themselves.
Support for clearing and settlement – processing of Visa and MasterCard files as well as proprietary formats.
200 authorizations per second
Easily scalable and ready for transformation
System continues performing even with failure of some of the components
Reconfiguration on the fly
Change of parameters without
Leading security protection technologies