Case Study

Integrated Acquiring Acceptance Solution for
leading ISO



A US based ISO providing credit, debit, and ACH services to merchants specifically to Government agencies and financial institutions had a strategic vision to move into new verticals expanding its coverage of the marketplace, and believed that a robust and reliable payment processing platform would be crucial to compete effectively in these markets. The ISO tried engaging a third-party payment processing service to ensure uninterrupted operations, but the new vendor and its systems turned out to be incompetent and incapable of meeting expectations.

This led the company to plan a new payment processing platform that would benefit customers by refining and extending functionalities including split funding for convenience fee processing, to ensure seamless execution.

RS Software was selected as the payments specialist for building this platform. A dedicated payment solutions provider to global payments players for well over two decades, RS Software has a proven track record of delivering solutions that meet and exceed client expectations.

An integrated solution from RS Software

We proposed our proprietary omnichannel solutions RS MerchantEdgeTM and RS iFinSwitchTM respectively, for merchant acquiring and payment processing. A contextual view is presented below.


The solution supports multiple acceptance channels such as Terminals, POS, mPOS and e-commerce. The switching platform (payment gateway) can be hosted in AWS/Azure, and caters to both card present and card not present scenarios. Merchant management includes merchant boarding, merchant reporting and automated underwriting.

To support card transactions, the platform provides REST APIs to clients who communicate using JSON message format. The platform is developed based on microservice architecture that primarily uses an open source technology stack for application software, database, and middleware.


  • Transaction orchestration and time-out processing for assured transaction response
  • Routing (using pluggable format adapters)
  • Card Present (CP) and Card Not Present (CNP) environment
  • Payment Methods – MSR, Chip (contact and contactless)
  • Logging, Optimized reports and audit trails
  • Tokenization for storing PII data
  • Configurable Batch close to merchants
  • Recurring Payments
  • Merchant Boarding
  • Merchant Reporting
  • Merchant Dashboard
  • Terminal application on Ingenico and VeriFone to connect to payment gateway
  • Terminal Management
  • Estate Management
  • Hosted Payment Page
  • Virtual Terminal
  • Fraud Prevention and Detection using Kount

Value Delivered

The ISO now owns a fully functional API first, scalable, cloud enabled payment gateway, complete with terminal application, estate management and the capability of splitting convenience fees. This reduces the total cost of ownership as there is no longer any dependency on any third party. The APIs exposed have drastically reduced both complexities of integration as well as integration times with merchants and third parties. Merchant boarding time in particular has reduced substantially with 70% improvement in efficiency. Since the solution is horizontally scalable with no single point of failure, the ISO can customize the solution and support more transactions in a cost effective manner to cater to changing merchant needs.

Why RS Software?

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RS Software is a leading, vertically integrated, custom software development, testing and implementation company for the payments industry. With more than 25 years of experience in this industry, we have helped create, test and implement products and services that have transformed the marketplace.