PayPoint’s technology offerings incorporate hosting facilities of the different Fintech central systems in our data centre Service Provider. We supply all necessary hardware and software in our central Back Office environment such as our central Billing system, Financial Systems and Switch, Central Terminal Management System, CRM, eCommerce and Business Intelligence systems all online, real-time integrated to our outlying remote terminals, the legacy systems of our clients and multiple service providers. Our solution is managed by experienced system, database and network administrators to assure smooth, maximised uptime trading.

The PCI-DSS, EMV and ISO27001 regulated and certified environment is protected by the latest modern disaster recovery technology (DR) and procedures to protect all hardware, software and secure data from any negative influence.  With a mirrored real-time, live back-up, all transactions and trade, stock and financial information is recorded and saved against any data loss or malware.

The Data centre is equipped with back-up electricity for uninterrupted and filtered power supply, fire proofing, air-conditioned cooling facilities, high level security incorporating access control against trespass, secure hardware server cabinets and security camera surveillance, secure data communication protection and fire walls. The latest and up to date Antivirus programmes are active on all software programmes protecting data against unwanted intrusion with hardware and software firewalls.

All systems are monitored and scanned on a daily basis by world class analytical and scanning systems and tools to assure system security and compliance.

The Paypoint installation and training team is well trained and equipped all segments of the project logistics. They have many years’ experience deploying and installing Fintech terminals and conducting on-site training in retail and omni- channels, providing client assistance and ‘hand holding’. The team is flexible and mobile, offering services to remote locations and different client profiles and payment environments. 

Fintech Terminals and products are configured and personalised for installation by our technicians, to fit the personal profile of merchants with securities, passwords, reports, stock profile, staff and management enrolment.  

After installation and configuration, our field technicians train our Merchant’s cashiers and management on the new on-site Fintech system to promote and familiarise users with the technology and payment functionality and enable confident interaction with the system. The new merchant or trader is also provided with a manual for further reference and assistance if necessary.  We also provide “train the trainer” workshops for corporate or customer in-house deployments supported by training electronic videos and content.

This installation, training and deployment process are driven and managed by our central Work flow management and CRM systems to record, drive, track and manage the process through the entire cycle and assure successful roll-out and deployment of any project by the support of our easy to use  Cloud Dashboard Central System. 

Paypoint provides 24-hour, 7-day a week, 365 days a year, help desk support via our Cloud CRM (Customer Relationship Management and Help Desk) system. This central back-office system forms part of the Integrated systems that are utilised to monitor and support the different remote POS terminal estates via access to device data telemetry, software and hardware health analytics,  history and trade information regarding any customer’s remote fintech device and terminal.

The first step for support and maintenance is the on-line process. Our help desk TEMS makes it possible for our support staff to connect real-time to a remote fintech device in the field and display all relevant telemetry and information relating to its hardware, software applications and data. TEMS Central help desk allows support technicians to remotely link to terminals and run the necessary diagnostics and analytics. This quick and cost-efficient remote troubleshooting function eliminates the need to dispatch field service technicians or to recall devices.  After troubleshooting, our engineers can service and repair devices and terminals remotely. This functionality is invaluable for our Helpdesk and Technical Support function, as it provides unparalleled troubleshooting capabilities, when problems arise at any device, in any estate or merchant site. This powerful diagnostics tool enables problems to be identified and solved as soon as they appear in the field.  Remote resolution means decreased device down-time and increased uptime, trade and profitability.

Support Architecture – Central Cloud CRM and Central TEMS Systems

Paypoint operational team offers Managed Services to its clients and service providers for Estate device and merchant deployment supported by our skilled and experienced project managers and business analysts. 

A direct marketing and sales strategy are utilised to deploy Fintech device estates to the merchant target market. The deployment process is supported by a project plan and our work flow system and methodology.  

Territories are divided in regions that is “latticed” to cover all cities, towns and especially rural areas. The grid methodology bounds areas populated by responsible deployment agents who target merchant outlets and traders, offering the Fintech device and product suite in their area. 

To assure merchant onboarding integrity, KYC, AML, Merchant Screening and relevant checks is performed automatically with the Merchant Onboarding Module of TEMS Back Office System, for final merchant approval.  After the screening and vetting process, a Merchant agreement is signed as part of the onboarding proses together with the opening of a settlement bank account with relevant banking partners.

All device deployment, installations, training and device performance and telemetry are recorded in the central Paypoint Dashboard Manager and TEMS (Terminal Estate Management System) to monitor all phases of a estate deployment and management. 

The digital world of payments is constantly under thread by unwanted attacks by highly skilled cyber criminals.  

The hardware and software engineers of PayPoint and its manufacturing environment are daily managing the integrity of the hardware and software payment applications, to assure the product suite are compliant with the international regulatory world of EMVCo (Euro, MasterCard and VISA Company) and PCI (Payment Card Industry Data Security Standards).   

All the hardware that PayPoint supply to its end customers is PCI-PTS, EMV Level 1 and EMV Level 2 compliant.  

The payment software applications of PayPoint, is designed and build under the prescribed cyber security regulations of PCI-DSS, PA-DSS and EMV Level 3 and has to comply with all these regulatory standards and full certification and sign-off before the systems are put into production to operate into the VISA, MasterCard, Diners-Discover, AMEX and Union Pay card association Eco system and environment. 

Furthermore, all transactional data are encrypted with the latest DUKPT (Derived Unique Key Per Transaction) encryption and P2PE (Point to Point Encryption) to ensure and safeguard all sensitive payment data such a card and pin data and transactional information. As an additional measure to secure the payment eco-system, all our communication networks are PCI-DSS compliant and remote transactions function over a secure APN networks and communications gateway.  

After payment software development, functionality is tested by the PayPoint technical testing team by utilising one of the industry leading Security testing tools UL Suite.  The toolset provides functionality and tools to stress test all payment software, data and transactional functionality against any security compromises to assure the applications performs