Financial Transaction Processing for cEMV E-Ticket System

Financial transaction processing for a cEMV-based e-ticket system: secure and continuous handling of card payments according to international card rules, including acceptance and processing tasks for retail, transit (incl. debt recovery), and VPOS transactions. The system must support aggregated, delayed, and merchant-initiated transactions (MIT), as well as debt recovery and capping logic. Services include master data management for validators and sales points, transaction authorization with real-time/near-time fraud prevention, clearing, settlement and payment processing, reporting to authorities and card organizations. Both card-present and card-not-present payments are processed, with credit to specified bank accounts. Support for high-volume real-time transaction processing and specific operational characteristics of the mass transit model in accordance with VISA and Mastercard guidelines. Provision of risk management, fraud prevention, and chargeback management. Guarantee of high availability, low response times, and continuous operation (SLA). Provision of account updater services, integration support, and integrated reporting services. Processing of cEMV-based Visa and Mastercard contactless cards (physical/digital) for card-present transactions, as well as card-not-present transactions for Visa, Mastercard, and digital wallets (Apple Pay, Google Pay, Samsung Pay). Forwarding of card restrictions. Support for settlement logics adapted to public transport, including real-time and delayed transaction processing, aggregation of settlement data, offline operation, automatic re-attempts for failed transactions, handling of refunds/cancellations, and timely settlement. Cooperation with Transit Processor, auditability, data security, and standard compliance. All EMV certifications are required, including EMV Level 3 (L3) for all payment terminals and transaction types. Expected transaction volume over the framework agreement duration: 75,928,731 financial transactions, of which 62,160,069 are POS-like PAYG (card-present) and 13,768,662 are VPOS-like (card-not-present) transactions. Further items as per the tender documents.

Tender documents

Additional details