• Wallets

  • Payment Terminals

  • Contactless Payments

  • Debit, Prepaid and Credit Cards

  • Payment Solutions

  • Clearing, Settlement & Reconciliation

  • Issuance, Issuing and Acquiring


Payment Security
Because of the imminent implementation of EMV and PCI internationally, many questions arise with respect to certification on EMV level 2 for ATM and POS, PCI, APACS, usage of tokenizers and banking accreditation. T-Biz has extensive knowledge on all these aspects, and is able to provide relevant consultancy. 

Payment Terminals
T-Biz has a strong background in terminal architecture, and has developed soft- and hardware solutions for payment terminals and has extensive technical knowledge of all the components of the SyntiQ-Pay solution, also known as ITA. 

Cash-In Cash-Out
T-Biz is involved in the development, testing and certification of vendor-independent applications on Cash-In and Cash-Out terminals, based on the industry-standard CEN/XFS, Interactive Financial Exchange (IFX) XML specification and Windows 7.

Clearing & Settlement 
Clearing & Settlement play an important role in the Acquiring and Issuing business. Retailers want to get their money in time and customers using their cards want to know exactly what they have spent or what amount has been reserved for a payment done.
Acquirers and Issuers want to match the settlement amounts with the clearing received. T-Biz has extensive knowledge on Clearing & Settlement and is able to provide relevant consultancy. 

Card Payment Transactions 
Card Payment developments are rapidly moving from contact cards, to contactless, mobile and wallets. T-Biz understands Issuance and has detailed knowledge of developments involving card present and card not present transaction handling for both MasterCard and Visa.

Debit, Prepaid, Credit and Wallet 
T-Biz is involved in setting up Debit Cards, Prepaid Cards, Credit Cards and Wallets and arranges the steps from design of the cards, define card profiles, set-up of the personalisation, initiate and follow up certification (e.g. CPV, VPA), end-to-end demonstrations up to piloting.

Monitoring becomes more and more important for Acquiring & Issuing. The out-side world is challenging and monitoring is needed for daily insight on customers using their cards, system performance, fraud, POS and ATM. T-Biz experience is used by setting up monitoring for a Dutch bank to indicate issues that need to be addressed and detect fraud directly on a 24/7 basis. 

Processing migration and new business
T-Biz has been involved and in the lead in succesful migrations in which Issuing (Credit and Debit) and ATM Acquiring was migrated from one processor to the other for different schemes including MasterCard, Visa Inc en Visa EU. A PrePaid card has been introduced successfully for the Dutch market.