Financial Transaction Processing for cEMV E-Tickets

Financial transaction processing for a cEMV-based e-ticketing system: secure and continuous handling of card payments according to international card scheme rules, including acceptance and processing tasks for retail, transit (with debt recovery), and VPOS transactions. The scope includes master data management for validators and sales points, transaction authorization (with high-level real-time and near-time fraud prevention), clearing, settlement and payment processing, and reporting to authorities, card schemes, and the contracting authority. A payment and settlement model supporting aggregated, delayed, and merchant-initiated transactions (MIT), debt recovery, and capping logic is required. The service must ensure high availability, low response times, and continuous operation (SLA), covering risk management, fraud prevention, and chargeback procedures. Provision of account updater services, integration support for the contracting authority and subcontractors (Transit Processor), and integrated reporting functions are expected. Processing of cEMV-based Visa and Mastercard transactions (physical and digital, contactless, debit and credit cards) for card-present transactions, as well as card-not-present transactions (debit, prepaid, and credit cards, digital wallets like Apple Pay, Google Pay, Samsung Pay) is part of the scope. The service must support the specific characteristics of public transport (transit model) in accordance with Visa and Mastercard manuals, including real-time and delayed transaction processing, low or zero-value pre-authorizations, processing of aggregated settlement data, offline operation during temporary connection outages, automatic re-attempts for failed transactions, handling of refunds and reversals. EMV Level 3 (L3) certification for all payment terminals and transaction types is required. Expected total transactions: 75,928,731 units, of which 62,160,069 units are POS-like PAYG transactions (card-present) and 13,768,662 units are VPOS-like transactions (card-not-present). further items as per the tender documents.

Tender documents

Additional details