About Product

Self-service payments management system

Payments.iQ

Payments.iQ – is a full-featured software solution for:

  • Settlement of payments (for utilities, taxes, penalties);
  • Selling all kinds of electronic services (e.g. tickets, recharge codes, vouchers, utilities, etc.);
  • Retail banking automation;
  • ATM and kiosk network management.

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    Brochure
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    Technical Requirements
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    Video

    Payments.iQ video presentation

    Functions and Advantages

    A solution that includes all the functions
    System management

    System management

  • Administrator, operator, technologist and tax inspector workplaces (roles) that allow dedicated system management.
  • Flexible mechanism of user rights management.
  • Replenishment mode support; various methods of collectors‘ identification.
  • Possibility to quickly enter new service provider or payment template.
    • Hardware

    Hardware

  • Enables cash / cards payments using ISO8583 and NDC/DDC protocols.
  • Unified communications protocol allows collecting payment data from a variety of self-service devices – ATMs, kiosks, SID, EFT-POS terminals, etc.
  • Possibility of quick adding the new terminal device.
    • Functional

    Functional

  • A unified user interface for all types of devices from any vendor.
  • Registration, routing and processing of payment information.
  • Accepts payments in cash / cards / bank transfer.
  • Various methods of payer’s identification (by card number, phone number, payer’s data from service provider’s database, etc.).
  • Possibility to install a flexible system of commission tariffs for each individual service provider.
    • Analytical

    Analytical

  • Terminal equipment monitoring (cash level, receipt paper left, protective sensors, etc.).
  • Generation of reports, consolidated and analytical statements on system functioning and transactions.
    • Omni-channel

    Omni-channel

  • Possibility to make any payment (for utilities, goods and services, budget, repayment of loans) either in cash or with a bank card using self-service devices (ATMs, terminals, electronic cashiers), POS terminals, cash registers and mobile gadgets.
  • Various payer's authentication methods at self-service terminals (PIN code, NFC passport, biometric data, customer's code in the goods and services vendor system, etc.).
  • Billing system and payment gateway integration with BIS.
  • Possibility to develop large-scale cooperation projects between banks, payment systems, Telecom operators, cell phone manufacturers, various services providers, online stores, etc.

    • Certifications and Awards

    Security

    Payments.iQ complies with the PCI PA-DSS (Payment Application Data Security Standard) Level 1 requirements.

    Best Banking Solution

    2012/2013 Best Banking Solution Award from Wincor Nixdorf.

    NDC/DDC Protocol

    Enables international and local payment transactions in cash as well as with bank card. In the latter case, the funds are debited from the account using the NDC/DDC protocol that is used by the majority of bank ATMs.

    ISO 8583 Protocol

    Payment transactions for international and local payment systems using ISO 8583 protocol that describes transmission as well as financial messages formats (transactions) from payment cards data processing systems.

    ProTopas

    ProTopas Suite / Web-Extensions software module designed by Diebold Nixdorf allows secure usage of the majority of Web programming tools on ATMs. 

    Solution Scheme

    Payments.iQ working progress

    1. Possibility of cash and cashless payment for services or products.
    2. Omnichannel payment infrastructure: cash registers, EFTP POS terminals, ATMs, payment terminals, mobile devices, etc.
    3. Automated workplaces for an Administrator, Operator, Tax inspector (Auditor, Controller) and Technologist. System monitoring.
    4. Creation of payments registry, operative calculation of commissions.
    5. Collaboration with external systems: processing center, switching center, automated banking system, etc.
    6. Omnichannel billing system.
    7. Service providers / Merchants.

    Existing Implementations

    Bank

    Bank

    The scheme of implementation on ATM extends the equipment’s basic functionality for receiving payments for various services. Possible to integrate with any processing center.

    The Insurance Company

    The Insurance Company

    Payments.iQ for sale of insurance policies on selfservice devices of the insurance company. Self-service terminal accepts both cards and cash.

    Loan Repayment

    Loan Repayment

    Payments.iQ solution’s implementation for bank and non-banking credit organization in order to provide customers with the opportunity of self-service loan repayment on unattended devices. The solution is integrated in bank’s BIS and in credit organization’s processing center.

    Smart Intelligent Deposit

    Smart Intelligent Deposit

    Payments.iQ software solution adapted to control various SIDs (Smart Intelligent Deposit) expands the equipment’s basic functionality and offers additional services to customers, who are now able to independently, without the help of bank employees, use the device to deposit cash.

    Integral Clearing Center

    Integral Clearing Center


    1. Enables cash as well as cashless payments for services and products.
    2. Omni-channel access to make payments using a variety of devices: payment terminals, ATMs, EFT POS terminals, cash registers, mobile devices, etc.
    3. Automated administrator, operator, technologist, tax inspector workplaces. System monitoring.
    4. Payments log generation and commission percentage setting.
    5. Integral clearing center.
    6. Service providers.

    Mobile Payments.iQ New!

    New opportunities for payments
    Mobile Application
    The Mobile Payments.iQ extension allows to make payments using mobile banking. It requires no additional costs to the bank, as all payments available in Payments.iQ are linked automatically. All Payments.iQ structural and payment options‘ changes are immediately viewed in Mobile Payments.iQ.


    Mobile Payments.iQ functional is defined by Payments.iQ functional and usually includes:

    • Telecommunication bills payment

    • Utility bills payment

    • Budget payments

    • Repayment of loans (leasing companies)

    • Tuition costs payment

    • Children's institutions (kindergarten, nursery) bills payment

    • Medical / SPA treatment payment

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