Processing Center (LProc) is a suite of software modules designed to provide full-scale processing of bank payment cards

Automatic loading and synchronization of up-to-date merchant outlet and terminal data from your core system. Dynamic management and real-time application of acquiring fees.

Instant transmission of information to the Front Office and continuous loading of financial transaction flow data, ensuring maximum responsiveness and keeping data up to date.

Full-cycle processing of acquiring transactions, with automatic preparation of data for clearing and subsequent settlements. Analysis and management of transactions and batches (reversal creation and adjustments).

Support for all major card types, payment systems, and transaction types. Up-to-date maintenance of bank and payment-system BIN directories.

Automatic generation and export of all required reports for payment systems (PS), the National Bank of the Republic of Belarus (NBRB), as well as detailed business statistics.

Receipt and processing of authorization requests from devices (POS terminals and ATMs) using the POS Terminals ISO 8583:1993 protocol, and from virtual terminals and Internet acquiring systems using the Native ISO 8583:1993 protocol.

Maintenance of a unified database of banking equipment with online data synchronization with the Back Office acquiring module.

Automatic routing of card authorization requests for cards issued by other banks to the processing center via secure communication channels.

Use of certified HSM (Hardware Security Module) equipment for cryptographic operations.

Instant calculation of acquiring fees in accordance with the individual terms and conditions applicable to each merchant during authorization.

Online interaction with the Back Office acquiring for processing financial transactions, ensuring that data remains up to date and settlements with merchants are performed promptly.

Provision of role-based and web interfaces to enable secure operation by support, monitoring, and administrative personnel.

The module provides centralized registration and management of customer profiles, agreements, accounts in various currencies, including multi-currency accounts, as well as card accounts and cards through an intuitive web interface. The system supports flexible configuration of parameters such as credit limits, minimum balances, and minimum available balances.

Synchronization with the Core Banking System is performed via SOAP (JSON) for the management of customers, agreements, accounts, and cards, as well as for online crediting and debiting of funds, ensuring high-speed data exchange.

The module supports all card types (primary, supplementary, and corporate) and prepares data for card embossing: it automatically generates card numbers, creates EMV parameters, and exchanges data with the personalization module.

The system retrieves account holds (authorizations) from the Front Office issuing module and provides tools for automatic and manual transaction matching, release of holds, and flexible rule configuration.

PC/RI enables detailed configuration and calculation of a wide range of issuer fees, both financial (for transfers, cash withdrawals, etc.) and non-financial (for PIN changes, balance inquiries, etc.). It also maintains centralized directories of locations and partners, enabling a flexible pricing policy.

The module automatically loads and processes clearing files, exports transactions to the Core Banking System for posting to customer accounts, and facilitates settlement processing.

The system supports the loading and management of the issuing bank’s foreign exchange rates and transmits them to the Front Office for use in authorization holds.

The module automatically generates and emails account and card statements to customers and produces a comprehensive set of operational issuing reports for analysis.

Flexible management of automated process execution. Scheduling chains can be configured with various scenarios and execution conditions.

The module processes authorization request flow in accordance with the ISO 8583 standard, receiving them directly from the Belkart Payment System in accordance with the “Belkart Intercenter Data Exchange Technology. Message Structure” (“Native Host-to-Host”) procedure.

Each transaction is protected by cryptographic verification using a certified Hardware Security Module (HSM).

Customers who subscribe to the service receive SMS notifications.

The system provides detailed transaction control through flexible configuration of restrictions and limits for each card, including customer-specific rules, and performs real-time checks against up-to-date online stop lists and blacklists.

PC/ISSAU performs online holds for issuer fees, including cumulative fees. It provides continuous online interaction with Back Office modules to obtain up-to-date customer and account data.

Dedicated web interfaces are provided for Card Center personnel, Call Center staff, and administrators. The system automates customer communications by instantly sending SMS notifications of completed transactions.

Automatic processing of incoming authorization request flow in ISO 8583 format via REST API, including both approved and declined transactions. Transaction amounts are converted into a unified currency (FAS amount) to ensure consistent analysis.

Creation and management of dynamic attribute lists – MCCs, merchants, cards, countries, and time zones. Time intervals are taken into account to detect anomalous customer behavior and build individual risk profiles.

Instant approval or decline of authorization requests, or card blocking, based on predefined rules. Investigation cases are created and reports are generated for a selected period, with email notifications sent when rules are triggered.

Create flexible scenarios to automate responses to events — track conditions, store data, perform step-by-step actions, and set financial results as required. Ideal for fine-tuning processes and responding rapidly to incidents.

Intuitive interfaces for configuring rules, uploading lists, managing cases, and working with statistics. Role-based access control ensures secure system administration.

Interactive dashboards featuring charts, diagrams, and alerts for prompt monitoring and analytics.

The microservices approach lets the system adapt easily to growing loads — you can scale individual components without affecting the platform as a whole.

Built on Apache Kafka, the system keeps running even during temporary service outages, ensuring “catch-up” processing of data once the affected services recover.

Active Directory support lets your staff work with a single sign-on, while administrators can flexibly configure access rights.

Full integration with Zabbix gives the IT department early visibility into potential issues and enables a fast response to incidents.

The optimized Spring Boot and PostgreSQL combination guarantees minimal interface response times and fast request processing.

Built on leading Open Source technologies, the platform eliminates costly licensing fees — you pay for results and system development, not for the right to use third-party software.

LProc is a fully domestic solution. The system guarantees independence from foreign vendors, eliminates the risk of service blocks, and fully complies with import-substitution requirements.