Merchant Acquiring & Processing
Resilient. Realtime. Innovative.
Overview
Infinite Cards & Payments Practice brings extensive domain and functional expertise to solutioning, integrating, and implementing merchant services worldwide across various industry segments. Our comprehensive suite of merchant services equips businesses with tools to efficiently and securely manage payment processing. By leveraging our offerings, merchants can enhance operational efficiency, improve customer satisfaction, and drive business growth. Our end-to-end consulting, solutioning, integration, implementation, and support services empower businesses to seamlessly accept and process payments from customers across Channels
Transforming Merchant Acquiring & Processing with Infinite Capabilities
Payment Processing
We empower merchants to accept payments through cards, digital
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We empower merchants to accept payments through cards, digital wallets, and alternative methods, whether in-store, online, or via mobile and enterprise ERP systems. Our solutions include QR codes and NFC-based payment processing, encompassing payment gateways and online integrations.
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Instore Payments: Point of Sale (POS) Systems
We provide Comprehensive POS solutions that combine payment
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We provide Comprehensive POS solutions that combine payment processing with inventory management, customer relationship management (CRM), and other business functions. Also, we provide solutions for Traditional POS Terminals and Mobile POS Systems. Less
Online and Mobile Payments integrating with Payment Gateways
We facilitate Secure Payment Transaction Processing between
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We facilitate Secure Payment Transaction Processing between the merchant’s website, mobile, enterprise systems, and payment processors. Also offers Multi-Currency Support and Fraud Prevention Tools. Less
Managing PFAC/PSP Merchant Accounts and Integration Services
We help Payment service Providers with designing and implementingMore
We help Payment service Providers with designing and implementing custom solutions for lead generation and merchant onboarding. Also, we provide capabilities to support Fraud & Risk Management, Payment Acceptance, Smart Routing, Recurring Billing, Subscription Management, e-invoicing, Settlement and Funding. Less
Payment Factory Model: Integration and Implementation Services
We deliver repeatable integration and implementation servicesMore
We deliver repeatable integration and implementation services at scale for merchants, banks, fintech, and payment service providers, with our Domain driven accelerators and frameworks enabled for faster rollouts.
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Cloud Implementation & Testing Services
We provide comprehensive solutions and implementationMore
We provide comprehensive solutions and implementation services to modernize clients’ cloud strategies. Our offerings include pre-built frameworks, accelerators, best practices, and simulators to streamline testing and certification for all payment processing services.Less
Challenges & Solutions
To address the challenge of insufficient data for effective reporting in sales, inventory, and order management for merchants, we implemented a robust Extract, Transform, Load (ETL) process. This process extracts relevant data of merchants, transforms it, and loads it into a powerful Business Intelligence (BI) reporting dashboard, enabling actionable insights.
To enhance merchant onboarding, we implemented a sophisticated white-label omnichannel application. This application efficiently manages syntax, logical, and functional validations, allowing seamless data flow for digital KYC, underwriting, and auto-approval rules. As a result, merchant accounts are instantly activated, streamlining the onboarding process.
Considering the scale of merchants, the implementation and integration work, the need for faster rollouts, time-to-market constraints, robust validation, and certification, as well as the lack of expertise on the merchant side, a payments factory model effectively addresses these critical requirements. Infinite, leveraging its robust payments capabilities and nearshore factory, can deliver this at scale.
To reduce reliance on a third-party product, we migrated complex business processes to the client’s core system. Leveraging a reusable framework and templates, we automated the generation and distribution of dynamic invoices and statements across internal and external systems, resulting in improved efficiency. 
We created a robust integration service component that translates payloads to meet the specific requirements of regional payment gateways. This solution enabled the migration from a legacy platform to a modern system across all payment channels, supporting diverse payment methods. The solution is designed to handle high connectivity and significant transaction volumes in a rapidly growing environment. Additionally, the solution offers extensive scalability and configurability, seamlessly adapting to various regional specifications.
We have developed a next-generation PED/Terminal app on the Android operating system, ensuring seamless integration with leading enterprise cloud POS solutions. The app also supports multiple gateways to facilitate a multi-currency wallet, providing a robust and versatile solution for modern payment processing needs.
Insights & Resources
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Card Issuing & Processing
Card Issuing & Processing
Our expertise empowers businesses to innovate in Card Issuing & Processing, elevating customer experiences. Furthermore, we enable clients to deliver highly adaptable and scalable card-issuing solutions.
Instant Payments
Instant Payments
Our capabilities enable Financial Institutions to adopt Instant Payments, facilitating transactions that can be initiated, cleared, and settled within seconds, available 24/7/365.
Payment Hubs
Payment Hubs
Our Payments 2.0 consolidates domestic, card, non-card, and cross-border payment systems into a unified ecosystem. It streamlines payment processing, ensuring efficient validation, decision-making, smart routing, and monitoring.