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Card processing from Pagateq
For more than 20 years, we have been handling the routing, verification and authorisation of transactions with bank customer cards. Having started out as a pure association head office for public banks, we are now an open-minded card processing service provider for anyone who would like to work with us.
Our transaction platform is designed for high availability and provides all important interfaces to national and international payment transaction systems and other partners in order to design the products your customers want together with you.
Partner connections for transactions
We work with competent partners to provide the best possible card processing service for you and your customers.
Our partners:
National authorisation bodies of the German banking industry
International payment systems (e.g. Mastercard, Visa, American Express, etc.)
Servodata (emergency phone for card blocking)
mobile phone companies
This enables us to process the following business transactions for you:
ATM transactions in the National Online Network (GA NOV)
girocard payments
Chip based (contactless / contact)
other form factors
PIN change
PIN check (banking/service terminal)
Deposit
Account balance request
E-commerce transactions
Cashback
Risk management
Direct access to Visa and Mastercard network
... enable us to process your transactions efficiently and quickly.
This saves your customers time and you money.
Clearing und Settlement
If required, we generate the following clearing files for you on each banking day:
Turnover posting (direct debits and credits)
Fee/interchange transfer posting (income and expenses)
Transfer posting of currency differences and currency charges (credit or debit entries)
Determining the charge / setting the customer charge
In the current low-interest environment, banking services must be worthwhile for everyone. To support you here, our platform offers a fee control application that allows you to define your own fee scheme.
Thus, for each transaction to be settled, a variable customer fee can be set in the clearing booking records according to your price service list. In addition to the variable customer fee, since the EU price regulation 2019/518 came into force, a currency conversion fee can be set in the form of a percentage exchange rate surcharge to compensate for intraday exchange rate differences.
User Interface for transaction researches
To give you a full overview of your customer data, you can access device, card and transaction data from our online system. This allows you to easily and effortlessly carry out transaction searches in online and archive data and view device, card and account data.
In this way, your customer service is able to answer customer concerns quickly and easily at any time.
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