PayOp
PayOp is a powerful terminal and payments operational system which comprises traditional terminal management functions, such as device firmware updates, along with advanced features including asset tracking, transaction analytics and providing operational insight.
PayOp allows you to establish independence from terminal manufacturers. Here are 10 compelling business reasons why this is important.
Terminal management
- Live view of terminal status
- Remote software updates
- Organise devices into groups for easy management
- Perform bulk operations on groups of devices
Meet P2PE requirements
- Asset tracking for device chain-of-custody
- Validate terminal serial numbers and firmware versions before allowing payments
- On-demand terminal validation
Choice and flexibility
- Device and vendor agnostic
- Centrally deployed for maximum control
- Simple API for cross-system integration
- Easy to use, modern web UX
Payments is a critical component of any merchant’s business and any disruption to service will have a direct impact on their business and their end customers. Once a payments solution goes live, merchants or service providers have the responsibility to make sure it stays up-and-running and up to date. They require an easy to use operational toolset that proactively manages payment applications and terminals thereby helping to prevent downtime. This includes dealing with routine maintenance operations like updates as well as unforeseen circumstances.
PayOp is a Java Enterprise (J2EE) database-backed application which is typically installed on a central server. Deployed alongside STS’ G8 software, PayOp can provide the latest terminal and system status information. Using a web front-end, solution and service providers can administrate all aspects of payments-related configuration, track terminal usage and spot potential problems in real-time. Its simple, but comprehensive, API allows integration with other business systems, making it the must-have operational tool for managing complex payment solutions.
Core Features
Terminal reporting
- Estate-wide real-time view of status of terminals
- Query terminal connection information, e.g. IP address
- Query terminal firmware/software versions
Remote terminal update
- Push down terminal software updates remotely
- Update terminal keys remotely
- Reduce costly on-site engineer visits
- Schedule terminal updates and other activities at a specific time of day
- Allow an integrated EPOS to trigger updates, at the merchant’s convenience
Web user interface and API
- Administrate terminal estate from easy-to-use web based interface
- User access control and privilege levels, ideal for operations and business teams alike
- RESTful API for easy integration from other systems, such as monitoring tools and dashboards
Security
- Designed and developed to industry best practice
- Secure connections between server and agents
- User authentication and authorisation
- Complete audit trail of user and system interactions
Batch processing
- Group terminals for easy administration
- Perform terminal operations in batches
- Pilot new software/settings with specific terminals first
Offline agents
- Agents can operate offline from PayOp server
- Agents cache jobs and changes pulled down from PayOp server for later use
- Agents buffer local data for later feeding to PayOp server
Additional Features
Terminals with P2PE
- Manage keys and whitelists
- Ensure terminals are authorised to work at a specific location
- Allow terminals to be moved around within a store without hassle
- Reset terminals on a daily basis for self-integrity check
Asset tracking
- Record physical location of assets
- Assign terminals to “authorised” locations before accepting payments
Notifications
- Receive notifications in web app, by email, or SMS
- Choose events to be notified of
Payment configuration
- Configure payments-related settings centrally
- Propagate configuration changes to entire estate
STS software
- Works seamlessly with other STS software
- Remotely update G8, Touchlink or Emvelink
- Enable log collection remotely for easy system troubleshooting
Third-party applications
- Works in a generic way to support other payment applications and other software
- Perform administration of the general till system
Smart Features
PayOp Insight allows system maintainers to stay ahead of the game by anticipating problems and spotting discrepancies automatically. Using a wealth of data collected from the PayOp agents, combined with state-of-the-art analytical techniques and STS’ extensive payments knowledge yields interesting and useful insights into the workings of a payments solution.
Historic terminal data
- Collects data about all terminal interactions, including simple connections/disconnections
- Track terminal usage, such as transaction volume and number of card swipes/insertions
Historic transaction data
- Gather payments-level information about individual transactions
- In-depth transaction timing information and even a breakdown within a transaction
- No PCI sensitive data collected
Insight from offline agents
- Enhanced agents which are capable of buffering this extra terminal and transaction data when offline from PayOp server
- Apply specific analysis to terminals which have been offline for fraud/tamper detection
Terminal insight
- Observations about terminal age, usage and wear
- Advise on terminal swap-outs for preventative maintenance
- Spot terminals which may be tampered
Transaction insight
- Spot trends in payments types, cards and customer behaviours
- Analyse transaction times and highlight bottlenecks
- Accurate reporting of online authorisation times
- Alert to unusual behaviour; spot frequently declined transactions
System integrity checking
- Continually monitor and check software versions, connection details and usage
- Comparisons with expectations to spot rogue terminals or compromised devices