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In this day and age, the electronic payment mode is the most international and globally extended. It comprises complex systems through which the financial intermediary provides a complete monetary service for both ends -- the payment service that is provided to the card titleholder, and the collection service that is provided to the merchant.

Since 1987, Indra has been the leader in the area of Payment and Exchange Systems, offering first-rate references such as the National Electronic Clearing System (SNCE: Sistema Nacional de Compensación Electrónica), a system through which Spanish Financial Entities perform the exchange and liquidation of a variety of payments. Indra has knowledge of the automated processes and transmission modes for the complete treatment of inter-bank operations in the SNCE. It also has experience in the SNCE's operational scheme, which is structured around various clearance subsystems: checks, transfers, indebtedness certificates, bills of exchange, travellers checks and fuel payment checks, and a variety of operations.

For the electronic information exchange, telecommunications lines are used between banks and Iberpay, and it is done through a common SNCE proprietary software that is installed in the associated entities. Since 2008, the SEPA Credit Transfer Exchange is performed from Iberpay's "Common Services Node," both between national entities as well as between the various European Clearing Houses.

This extensive experience in payment exchange systems has given us the ability to address both the Financial Payment System (International Clearing Houses such as those of Argentina and Peru, Financial Entities, etc.), as well as the Non-Financial Payment System (Transportation, Hotel Sector, Security Companies, Healthcare Compensation Centers, Airline companies, etc.). In summary, anything that entails an electronic exchange of operations, clearance, settlement and liquidation of operations with a clearing entity.

Solutions and Services

• CardPlus: its primary objectives are to resolve all of the problems derived from the management and administration of Cards, Titleholders and Establishments, as well as the exchange and settlement procedures between the various protagonists. CARDplus allows to:
  • Decentralize operations into the offices.
  • Centralize, in the Payment Methods Department, all of those functions that require special treatment due to their complexity.
  • Control all of the existing operations and documents, providing the necessary information for the business tracking.
  • Optimize the administrative steps (on-line transactions and process automation).
  • Joint operation of different types of cards (bank, private, affinities, cobranding), allowing for the incorporation of new card brands and new services related to the medium.
  • On-line resolution of credit operations, through the corresponding connection with the entity's authorization system. 
• SGI (Incident Management System): global solution for the management, control, and resolution of incidents related to the means of payment, regardless of the payment method chosen, both on the issuing side as well as on the merchant side.
• SISMA Authorizing Center: a combination of rules, procedures and structures through which the payment is processed, guaranteed and consolidated, by means of a goods and services card, at any time and anywhere. In this manner, all of the problems derived from accepting cards as payment methods for purchasing goods and/or services are resolved.
• EDItran Communications Platform: this is the market standard for the Spanish financial sector in the area of communications. It comprises an exchange architecture between heterogeneous environments for data networks and the Internet. It is the only product homologated by BDE (Central Bank of Spain) for the transmission of Official Reporting.
• Cadet Plus: a solution developed by Indra that resolves all of the management derived from the exchange of inter-bank operations between financial entities for their clearance through an entity associated to the National Electronic Clearing System (SNCE). Some of its primary functionalities are:
  • Introduction of operations into the System via communication with the entity's corporate applications through interfaces with standard AEB formats or the entity's own formats, graphic interfaces with help and validations that facilitate data acquisition, and the acquisition, storage and management of electronic images, and document magnetic strip reading.
  • Generation of operations files to be exchanged through the entity associated to the SNCE, in accordance with Iberpay formats and regulations and adapted to the formats required by the associated entity.
  • Validation and control of the operations files received from the associated entity.
  • Integrated management of operations returns.
  • Preparation of reports and consultations.
  • Access control of the system and of the options available in the application by assigning user profiles in which the rights and permits of each user are defined. 
     
• SICLO: Operations Exchange, Clearing and Liquidation System. This solution, which facilitates the implementation of electronic clearing systems in its centralized mode through a multilateral clearing house and a liquidating entity, has the following characteristics:
  • It enables the electronic exchange of financial documents and other payment documents in an efficient and secure manner.
  • It encompasses processes from the introduction of the operation by the submitting participating entity, until after it is communicated to the receiving participating entity, it is liquidated and converted to a balance that is settled in the accounts of both entities.

Downloads

• Editran plataform form communications. Pdf (160.67KB) (160.67 KB)
• Netplus Payment Gateway. Pdf (168.45 KB) (168.53 KB)