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Merchant Acquiring Application Testing Services

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Outsourced Software Testing
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Merchant Acquiring

Enabling Near defect free rollouts

Business situation
While implementing or enhancing your Merchant acquiring application to have better

  • Cross border and Centralized merchant acquiring operations
  • Credit & fraud risk management
  • Online, real time transaction processing
  • Rapid growth without affecting customer services

You may face several challenges

  • Business demands for ever shorter time out
  • to market
  • Compliance and government regulations
  • Data security
To ensure that newly deployed application seamlessly integrates with existing applications, provide improved functionality and deliver on end user requirements it must be tested thoroughly.

Testing challenges

  • Integration of multiple application and multiple interfaces
  • Risk based prioritization of scripts/ defects for an acquiring life cycle
  • Multiple time zones for Front-end, Back-end and VAPP
  • Communication with multiple vendors at various geographic locations and time zones
  • Synchronization of simulation with real time execution

How we can help?

  • Domain role in testing process
  • Testing Core Competence
  • Structured Methodology
  • Disciplined Test management
  • Global Testing Delivery Model

How you benefit?

  • Satisfied Business Users
  • Happy End Customers
  • Shorter schedules
  • Lower Product life cycle costs
  • Lowered transaction costs
  • Auditability
  • Avoiding Imputed costs of defects
    • Lower repair costs
    • Downtime costs
    • Fewer maintenance staff
    • Image, Brand Value

Merchant Operations & accounting:

  • Multi-currency/ Multi-institution transaction processing
  • Merchant Account management
  • Dispute management
  • Rules-based Fraud monitoring
  • Vendor Management for Statement, Plastic and Plate processing
  • Merchant servicing through Real time access to account data
  • Merchant Pricing, Transaction Reporting and GL interface

Clearing & Settlement:

  • Generation of clearing files to schemes and Issuer Host
  • Generation of electronic payment files and other Merchant Funding files

Functionalities tested
Merchant Origination:

  • Web based Merchant Boarding
  • Bulk Merchant Boarding
  • Credit underwriting of merchants

Transaction Capture:

  • Terminal models and Applications
  • Real-time processing of Loyalty programs, Card Payments, Smart Card and Installment programs
  • Split Dialing of Transactions for Charge Card (American Express, Diners Club International, JCB International & Private label cards) by terminals
  • Internet Payment Gateway (MiGS)
  • Dynamic Currency Conversion (DCC) transactions
  • Recurring transactions & Voice authorizations, Mail Order transactions (MOTO)
  • Manual entry of paper voucher transactions

Transaction Routing and Switch:

  • Terminal Definition and Setup
  • Terminal Driving
  • Terminal monitoring
  • Off-us & On-us transaction routing
  • Activation and Deactivation of terminals
  • Stand-in Processing
  • Authorization messages
  • Terminal batch closure

Authorization, Transaction Logging and extraction:

  • Real-time transaction information storage
  • Consolidation of transactions from various sources for transmission to Acquiring platforms
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