aurionPro Payments Framework (APF)

Leveraging aurionPro’s extensive Payments experience, the aurionPro Payments Framework (APF) provides a cohesive suite of plug-and-play components aimed to quickly deliver tailored made comprehensive payments solutions to meet diverse needs of payments processors, consumers, and merchants.

Primary Features:

- Merchant On-boarding and Provisioning
- Customer Management
- Secure Transaction Lifecycle Management
- Transaction Batch Processing
- Risk Management
- Fraud Management
- User & Role Management
- Audit Trail

APF Features:

Merchant On-boarding and Provisioning – Payment Framework supports setting up of Merchants into the system along with their configurations that includes, but not limited to:
- Payment Channels
- Processor configurations
- Fraud settings
- Velocity settings
- Fee configurations
- Billing account settings
- Revenue share distribution
Customer Management – Payment Framework has a capability to create and store customers and their CC and ACH account details. It supports creation of recurring transactions (bill payments or payment plans) and one time or recurring invoices.

Secure Transaction Lifecycle Management – Payment Framework supports a wide range of Payment channels and transaction types within each channel.
- Check: Sale, Verify, Force Sale, Void, Refund
- Credit Card: Sale, Pre Auth, Force Auth, Adjust, Void, Refund
- Debit Card: Sale, Return
- Gift Card: Activate, Redeem, Reload, Reversal, Inquire
- EBT (Electronic Benefits Transfer)
Transaction Batch Processing – Payment Framework has optimized bulk transaction processing capability by accepting CC and ACH batch files and generating transactions into the system.

Risk Management – Using Payment Framework the following velocity specific configurations can be set to limit the risk on Merchants for all Payment Channels:
- No of transactions
- Daily, Weekly, Monthly
- Total amount
- Daily, Weekly, Monthly
- Max $$ limit/txn
Fraud Management – Payment Framework has the capability to limit fraudulent attacks with the utilization of following fraud settings:
- Block by IP address
- Block by Country
- Duplicate Transaction Check
- CVV Check
- AVS Check
- Check Verification
User and Role management – Payment Framework implements a highly secured role based user management module. Each role has a predefined set of modules for which access is given to a user associated with that role. Payment Framework creates a default Administrator user with the creation of a Merchant or Reseller in the system. Thereafter Administrators can create their own set of users for that Merchant or Reseller.

Audit Trail – Payment Framework stores the audit history of all events across all the repositories in the database. It provides option to pull out audit trail reports based on various event types.