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    • Workforce Identity
      Improve the security of your data and eliminate complex passwords in your organization with our PKI systems, smart cards, mobile authentication, qualified electronic signature or eSeal.
      Customer Identity
      Easy-to-use, highly secure solutions for strong customer authentication in your digital channels and applications.
      Citizen Identity
      Our PKI based solutions enable authenticated, secure handling of personal data and other applications of electronic identity in modern digital government.
      Retail Payments
      Sector-specific solutions for acquirers, service providers, payment facilitators, and payment providers.
      Mobility Payments
      EMV card acceptance in public transport and EV charging. Faster check-in, improved convenience and valuable data.
  • Technology
    • Smart Cards
      Chip card applets, proprietary middleware and applications for highly secure identification, authentication and payment processing solutions.
      Secure Mobile ID
      Mobile devices and a variety of connected hardware for strong authentication. Securing the distributed environment of digital banking, identification or logical access scenarios.
      EMV Payments
      Software and hardware solutions for EMV payment card acceptance covering the whole process from your EFT terminal to the processing centre.
      Federated Identity
      Centralized identity security in the distributed environment of various mobile, web or cloud-based business applications.
      PKI
      We apply proven PKI cryptography and symmetrical algorithms, certificate management infrastructure and design a strong security policy, balancing security and business needs of our customers.
      Perso Lab
      One-stop shop for software personalization systems development and complex card issuing services including secure software personalization, flexible physical (graphical) card personalization and logistics.
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Retail Payments

Modular technology stack for card payment processing

Integrated solution for EMV payment acceptance, support or private payment cards (fleet, gift, benefit) for POS terminals, e-commerce or mobile payment processing, including Apple Pay and Google Pay support. Specialized payment solutions like EMV payments in public transport or toll collection. Payment authorization and routing to multiple processors, optimizing functional processes and cost of card acceptance. 

Perfect fit for acquirers, payment facilitators, independent sales organizations, retailers or payment technology integrators.

Benefits and Functionalities

PCI-DSS compliant
Central payment solution for all your channels
Scalable performance
Fast connection to any processing center
HW vendor-agnostic
Flexible business models
Support of specialized closed-loop transactions
White-label or proprietary design option

Functional modules

Our processing platform enables a flexible combination of functional modules into one tailored solution based on your actual needs. The platform incorporates terminal payment applications, terminal management, authorization switch, e-commerce payment gateway, reporting and administration portals and card issuing services.
  • Central authorization system
  • 3D Secure payment gateway
  • POS applications for banking card acceptance
  • POS applications for closed-loop payment schemes acceptance 
  • FARE module for transport solutions
  • EET fulfilment applications 
  • TMS - terminal management system
  • Merchant Web for transaction management
  • Reporting and data export portals
  • Helpdesk Web - system administration for acquirers 
  • Tokenization module

Our Technology

Authorization Switch

  • A central component for the collection of all payment transactions

  • Transaction authorization 

  • Transaction routing via an H2H connection to the selected processing center

  • Ability to connect terminal networks of various partners

  • Terminal network key management (shielded from authorization center keys)

  • Transaction verification and risk management modules that excelled in high-risk environments

  • Resilient, scalable performance (millions of transactions per day)

Terminal applications

  • Terminal payment applications for the acceptance and processing of EMV or closed-loop payment cards

  • Maintenance API for communication with Terminal Management System 

  • HW platform-agnostic, ready to integrate any major platform (PAX, Ingenico, Verifone, FEIG, etc.) 

Terminal Management System

  • Terminal Management System for the monitoring, maintenance and remote management of application parameters 

  • Secure authorization keys management

  • Network communication monitoring

  • Terminal logging

Merchant portal

  • Transaction reporting portal for individual merchants

  • Transaction management via web portal

  • Support of all acquiring services

  • Customizable data exports

  • Intuitive user interface 

Helpdesk web portal

  • Management portal for acquirers - details on transactions, terminals and merchants

  • A fully customized and user-friendly interface

  • Blacklist management

  • Customized export of transaction data via .csv/.xls files, web portal or API

Card Management System

  • Closed-loop payment systems

  • Electronic ticket distribution

  • A combination of banking and private payments

  • Electronic receipt archiving

  • Controlled wallets

  • Reporting and Help portals

White-label Applications

Host Card Emulation application

Transfer your cards into a mobile device - closed-loop payment card virtualization in our white-label HCE application.

Mobile POS application

A mobile phone as a payment terminal for private card acceptance, an effective solution for many small businesses, event organizers, or promoters.

3D Secure Payment Gateway

  • Easy implementation of payment services in e-commerce platforms

  • EMV banking and private card acceptance (fleet, loyalty, benefit)

  • Specialized payment schemes like Apple Pay, Google Pay, Masterpass etc.

  • Multi-merchant, multi-currency system

  • PCI DSS certified environment

  • Modular architecture with optional extensions (tokenization, reporting, webhooks, etc.)

Tokenization Module

  • Payment card tokenization based on applied cryptography and secure key management

  • Improved security for merchants

  • Secure interoperability with third parties

Personalization Services

PCI certified personalization center for banking and private card issuing.
In our PersoLab we provide end-to-end card personalization services including personalization systems development, card design, physical personalization (emboss, indent, thermoprint, and laser engraving), HSM secured software personalization, and final packaging and logistics.
  • EMV private cards
  • Contact and contactless chip cards
  • Magnetic stripe cards
  • Multiapplication and hybrid cards
  • Contactless stickers
  • MicroTAG bracelets
Interested in our payment solutions?
Contact Kamil Hanacek
kamil.hanacek@monetplus.cz

Case studies

MOL Gas Stations
Electronic Payments, EMV Payments, Retail, Petrol

Payments by bank card and fleet card on a single terminal

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