Mastercard is a leading global payments & technology company that connects consumers, businesses, merchants, issuers & governments around the world.
Visa is a global payments technology company that connects consumers, businesses, financial institutions, and governments to fast, secure and reliable electronic payments.
The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard for organisations that handle branded credit cards from the major card schemes. It defines infrastructure, architecture, security and auditing guidelines in order to keep credit card sensitive data safe. By storing sensitive card data you unlock new business possibilities, such as one-click payments, being a payment facilitator or issuing your own cards.
We help our customers to design, implement systems according to PCI-DSS requirements. This could be done both for SAQ and QSA audit levels.
PSD2 regulation comes in force in September 2019 making all payment market players to open up their APIs for qualified third-party applications. At bare minimum participants are required to implement account information and payment initiation services. PSD2 also comes with new regulations around payment confirmation, which is also related to 3D Secure 2.0 update. The most common approach for implementing PSD2 is to adopt Berlin Group API specifications, which are available publicly.
We can provide you with PSD2 API implementation and custom integration layer with your existing payment infrastructure. In case you are having other ideas of providing PISP services, we can help as well.
We have experience and ready-made components for SEPA Credit Transfers integration. We can help passing the certification test case suite and launch to production. Both instant and traditional payments are supported. Our experience is based with Latvian and Lithuanian central banks, but the approach is very similar in other regional systems or centralised TARGET 2.