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    beampay

    Foundational product · 01

    Processing.

    Modern card processing for banks, acquirers, and PSPs ready to move beyond legacy infrastructure.

    A cloud-native ISO 8583 message switch. Connect your systems, configure routing for your acquiring relationships, and keep access to the transaction data behind every decision.

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    Inside the transaction

    ISO 8583

    Your terminals

    Card-present channel

    Your systems

    API integration

    BeamPay Processing

    Message switchingRouting rulesTransaction data

    Acquiring
    connection A

    Acquiring
    connection B

    Connections and routing are configured for your acquiring relationships.

    Who it's for

    For organisations that operate or want to operate their own switching.

    Acquirers

    Move off legacy mainframe infrastructure without rebuilding from scratch. Gain control over routing logic, reduce per-transaction costs, and get the data depth modern operations require.

    PSPs and payfacs

    Operate your own switch instead of routing through third-party processors. Capture margin currently lost to intermediary hops. Differentiate on transaction data and operational control.

    Banks

    Modernise card processing infrastructure without disrupting existing scheme relationships. Cloud deployment, hybrid integration paths, regulator-friendly architecture.

    What it does

    A complete switching platform.

    ISO 8583 message switching.

    Full-protocol support across the dialects that matter — Visa, Mastercard, regional schemes. Configurable per acquirer relationship.

    Scheme routing.

    Intelligent routing across multiple card networks with per-transaction routing rules based on cost, performance, and scheme attributes.

    Cloud-native architecture.

    Deployed on modern cloud infrastructure rather than on-premise mainframe. Scales with transaction volume. Maintained and updated centrally without estate-wide rollouts.

    API-first integration.

    Clean APIs for connecting your systems, your terminals, and your reporting tools. No legacy file drops or batch reconciliations unless you want them.

    Real-time transaction data.

    Full access to enriched message data — exchange rates, response codes, fraud signals, scheme attributes — for the analytics and operations layer above.