TF Transact

The switch solution framework built for the next era of payments.

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700 transactions per second. Zero compromises.

TF Transact is a scalable, high-performance framework for acquiring and issuing transactions that helps payment businesses launch complex switch solutions in a fraction of the usual time. Industry-proven capabilities are configurable to your market, your channels, and your brand, so you can move quickly without compromising on control. A high-availability architecture processes payments end to end and dynamically routes transactions between merchants, acquirers, and card schemes, absorbing the highest volumes without slowing down. With TF Transact, resilience, agility, and throughput are engineered in from day one.

Key Highlights

Scale without limits at optimal performance

Integrate with virtually any device, system, or card brand

Maximize uptime with 99.99% resilience

Brand, configure, and tune to your business model

How It Works

TF Transact gives payment teams a production-ready foundation for every acquiring and issuing flow, so engineering effort goes into differentiation rather than plumbing.

TF Transact handles the full acquiring and issuing lifecycle — formulating, reconciling, and transmitting transaction data between merchants, acquirers, and issuers — on a single, unified platform.
Plug into virtually any card brand, terminal, or device. TF Transact delivers high-performance processing across the full spectrum of payment transactions, including credit, debit, EMV contact and contactless, ATM, and e-commerce.
From merchant onboarding and fraud management to stand-in processing and BIN management, TF Transact ships with an extensive catalog of industry-proven capabilities. Every feature is configurable, so you can dial in the exact value your business needs.
Dynamic routing, asynchronous queues, and intelligent load handling drive rapid, fire-and-forget responses, even at peak volumes. TF Transact is engineered for throughput without sacrificing stability.
At the core of TF Transact is XCOM, our inter-process communication framework. XCOM enables multipoint communication between APIs, maximizing throughput, reducing complexity, and hardening system stability.
TF Transact is a flexible foundation for any private-label switch solution. With native support for multiple institutions, currencies, languages, and channels, you go to market with a product that is unmistakably yours.
TF Transact is built to the most rigorous industry standards, so your solution is secure, compliant, and certification-ready from the start.

Features

  • Card acquisition, settlement, and processing services across diverse acquiring and issuing flows
  • Support for multiple institutions, currencies, languages, and channels
  • Configurable merchant onboarding, user management, card management, fraud management, stand-in processing, and BIN management
  • Rule-based routing logic, easily configured for BIN-based transaction routing
  • Robust security capabilities, including key management, hardware security module (HSM) integration, and tokenization
  • System and transaction monitoring with custom reports for business analysis
  • Easy integration with third-party platforms via standard API libraries

Benefits

  • Reduce development costs and reach the market faster
  • Meet rising demand for seamless, omnichannel payments
  • Strengthen security with built-in fraud management
  • Configure features precisely to your target market
  • Cut processing times and maximize throughput
  • Accelerate certification with a compliance-ready solution

Enterprise-grade, from the ground up

USE CASE

Merchant service providers

Accelerate merchant onboarding and deliver a frictionless user experience.

Large retailers

Consolidate transaction channels to gain end-to-end visibility across processing and monitoring.

Payment processors

Add value to every switched transaction while minimizing modifications and speeding up certification.

Security & Compliance

  • Certified to EMV and 3DS 2.0 standards
  • Built on PCI-SSF and PCI-S3 standards
  • Certified with major card brands, including VISA, Mastercard, AMEX, JCB, CUP, and DINERS
  • Multipoint communication over a secure, dedicated channel
  • 3DES encryption and decryption with additional custom security layers
  • Two-factor authentication enabled by default

Technical Info

Transaction types, protocols, and channels
All standard transaction types over TCP/IP and HTTPS, with channel support for ATM, POS, MPOS, web, virtual terminal, kiosk, and wallet
Operating system and application server
AIX 5.2+, RHEL/Ubuntu, Windows 2012+, Windows IIS 10.0+, embedded Apache Tomcat 9.0.39
Database server
Oracle 11g+, SQL Server 2012+, portable to MySQL and Postgres
Caching and middleware
Redis 6.2.6, XCOM 2.0
Centralized logging
Elasticsearch, Logstash, and Kibana (ELK Stack)
Deployment options
Azure, AWS, and private cloud (PaaS), or on premises as a packaged turnkey product

By the Numbers

700+

transactions per second

99.99%

resilience with 24/7 availability

<25 milliseconds

data retrieval from database

Launch a switch solution that is secure, scalable, and certification-ready

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