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CENTERFIRST BUSINESS

The payment operating system for modern financial institutions.

CenterFirst handles routing, settlement, reconciliation, disputes, and reporting. Everything that happens after a payment is initiated.

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CenterFirst Dashboard
THE COMPLETE PAYMENT LIFECYCLE, AUTOMATED, END TO END

From tap to settlement — automated.

Payment lifecycle: Payment Initiated, Authorised, Settlement Initiated, Settlement Reconciled, Merchant Payout
FEATURES & MODULES

From acceptance to settlement, one platform.

Accept and Acquire
01 / ACCEPT & ACQUIRE

Omni-channel payment acceptance, all in one place.

Stop managing separate systems for POS, QR, online, and mobile payments. CenterFirst brings every channel into a single unified platform: one dashboard, one integration, one source of truth.

Payment Gateway POS Application Soft POS QR Payments AePS & Micro ATM Digital Wallet
Process and Route
02 / PROCESS & ROUTE

Intelligent transaction processing with dynamic routing.

Every transaction is validated, fraud-checked, and routed to the optimal network in real time. Approval rates maximised, interchange minimised, automatically across every channel.

Payment Switch Txn. NAC Fraud Risk Management Dynamic Routing Dynamic Switching Payment Bridge Business API Engines CF Switch
Settle and Reconcile
03 / SETTLE & RECONCILE

Automated settlement and four-way reconciliation.

Eliminate manual settlement matching. CenterFirst reconciles across Visa, Mastercard, RuPay, and Amex automatically. GL integration, chargeback management, and merchant payouts are built in.

Network Settlement GL Integration Four-way Reconciliation Payout Management Back Office Management Reports & Analytics Chargeback Management
TECHNICAL SPECS

Built for enterprise. Ready for scale.

Cloud-native architecture with enterprise-grade security, high availability, and the certifications your institution requires.

Security & Encryption

PCI-DSS v4.0, covering data in transit and at rest
DUKPT encryption for all transactions
AES and session key encryption at rest
Tokenisation of cardholder data (UUID)

Platform Architecture

Cloud-native with elastic scaling & HA
CI/CD pipeline for continuous delivery
HA proxy with redundancy & disaster recovery
99.9% uptime SLA, guaranteed

Integration Options

API: RESTful JSON system-to-system
SDK: Android and iOS mobile
APK: direct Android application
Payment Bridge: ECR/POS/ERP connect

Deployment Models

PaaS: CredoPay hosted, fully managed
SaaS: Bank hosted, subscription model
Licensed on-premises: CAPEX model
White-label: fully branded option

Certifications

PCI-DSS v4.0 Level 1 certified
ISO 9001:2015 Quality Management
ISO 27001 Information Security
CERT-In RBI SAR, RBI compliant

Fraud Risk Management

Multi-phase FRM, terminal-level validation
Velocity checks & pre-transaction limits
Real-time case manager & alert system
Configurable rules per merchant / channel
SUPPORTED NETWORKS

Connect to every major scheme, globally.

CenterFirst supports all major international payment schemes and local networks across every market we operate in.

GET STARTED

Ready to see CenterFirst in action?

Talk to our team. We will show you how CenterFirst can work for your institution.

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