The Girmiti team has in-depth understanding, field experience in architecture, design, developing, testing, Automating and supporting various facets of an Acquirer Platform. We help our customers in developing the core platform, integrate with payment schemes, deploy and implement different protocols for their partners along with customization, integration to third parties and certifications.


Our experience and expertise cover the architecture, designing, developing, integrating, maintaining and testing the following key features of the Acquirer systems:

  • Merchant Boarding, Setup, Fees, Commission and Payout

  • Terminal Management, Merchant Category Management

  • Interchange Management, Multi Currency Support

  • DCC Online Interfaces for PoS, Payment Gateway and ATM

  • Interfaces with Payment Schemes and Processors

  • Online Transaction types from varied channels

  • Retail, Restaurants, Lodging, Petro, Transit and other segments

  • Purchase, Pre-Auth, Refund, Reversals, Settlement

  • Mobile, PoS, PG and ATM, ONUS and OFFUS Processing

  • Beginning and End of day processes – batch processing, payment scheme files

  • Clearing and Settlement

  • Key Management and interfaces with HSM

  • Chargeback and Dispute Management – as per VISA and MasterCard processes

  • Support for mPOS, Online, mCommerce & Traditional POS

  • Certifying with Processors, PNOs and other third party payment systems in other regions like APAC, EMEA, US and Canada.

  • Risk and Fraud

  • PA-DSS and PCI compliance

We have relevant experience to have the Acquirer Platforms certified with the Card Payment Schemes and processors. We implement and support ISO 8583, ProtoBuf, 7816, ISO 14443, APACS 70, EPAS, NDC, D912, Nexo and proprietary message packets to interfaces from front-end channels, gateway and processors.

We bring relevant experience to help our customers and partners to have the Acquiring Platforms certified by Card Payment Schemes/PNOs, processors with respect to their business segments.

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