Services & solutions

Payment processing

Consumer solutions

Consumer solutions at Dinit are always designed with the scope to make shopping faster and easier with more security and safety. As consumer journey is changing, new solutions in collaboration with our clients are developed, Consumer Finance being one of the latest.

Consumer cards

  • Wide range of consumer card types (charge cards, revolving cards, prepaid cards, supplement cards,..).
  • Wide range of payment possibilities: Sepa DD, manual payment, e-invoice, etc.

Consumer finance

Consumer journey has been changing constantly driven by digital revolution. Lending industry is adapting to this new environment and proposing new financing related services as a way to further stimulate card spending and thus to improve both card payment-related as well as repayment-related revenue streams. At Dinit we developed a standalone solution that supports a variety of consumer finance products such as instalments and consumer loans. It is designed in a way that it can be applied to both issuing and acquiring.

Supported Instalments modality types are:

  • Merchant POS terminal,
  • Cardholder pull action or Cardholder token (thru web portal, Chatbot engine, SMS),
  • Issuer push action (triggered SMS / text message).

Loyalty and co-brand solutions

Loyalty programs for co-brands includes:

  • earning and redemption process management  (couponing, vouchers etc).
  • special spend promotion loyalty engine, which tracks the target spending (defined per account) and informs customer of achievement status (% of the target spending achievement)

 

Co-brand solution includes:

  • Account partner definitions
  • Brand share profit / fees definitions
  • Rewards definitions

Payment processing systems

At Dinit we are using payment processing systems that seamlessly support all corporate and consumer solutions we are developing in cooperation with our valuable clients.  Our processing systems provide reliable, modular and customizable end-to-end processing framework that manages a full range of issuing and acquiring needs and offers scalability as your business grows.

Card Management System

Our CMS has been designed specifically as a card management system able to support end-to-end issuing and acquiring processing. Its modular multi-tier application architecture, seamless integration with other supporting systems and comprehensive entitlement rights for users allows high customization options to tailor CMS to suit client needs and requirements as well as allowing scalability as your business grows. CMS modules: issuing, co-brand, loyalty, acquiring.

Key benefits

Authorisation System

Dinit’s Authorisation system is a product of our own expert development team for managing credit card authorizations. It can accept transactions from any payment channel, map these into different formats, authorise and authenticate them, and then route them to any endpoint. It is designed to be robust and reliable, yet providing maximum flexibility to suit client’s specific needs and requirements. It features flexible connectivity and easy boarding and is a user-friendly tool due to its intuitive interaction design.  We adhere to security requirements; EMV compliance, fraud detection and stand-in processing without service disruption in cases when partner systems are out of service.

Key benefits