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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Available as SaaS PaaS On-Premises White-label

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Performance

55.55 Peak TPS

330ms average processing time

Reliability

99.98% Uptime

Network availability, trailing 12 months

Top Issuers

Issuer A

2,413

Issuer B

2,020

Issuer C

1,899

Issuer D

1,203

Issuer E

503

THE COMPLETE PAYMENT LIFECYCLE, AUTOMATED, END TO END

From tap to settlement, automated.

Payment Initiated

Customer pays via POS, QR, Soft POS, or Gateway

Validated & Routed

NAC validates, FRM checks fraud, dynamic routing selects the optimal path

Authorised

CenterFirst Switch routes to Maal, Jaywan, Visa, Mastercard, RuPay for real-time authorisation in milliseconds

Settled & Reconciled

Four-way automated reconciliation, payouts, GL entries, reports generated

Monitored & Managed

Ops team monitors every transaction and terminal from a single portal

FEATURES & MODULES

From acceptance to settlement, one platform.

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 Digital Wallet

Accept payments via POS, QR, mobile, and online channels, all managed from a single platform
Merchant onboarding with TID/MID lifecycle and scheme enrolment managed end-to-end
Unified dashboard with real-time transaction visibility across every acceptance channel
Integrate via REST API, Android/iOS SDK, direct APK, or ECR/ERP Payment Bridge

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.

Dynamic Routing Dynamic Switching Dynamic Settlement CenterFirst Switch Payment Bridge Fraud Risk Management Payment Switch Network Access Control Business API Engines

Sub-100ms authorisation with intelligent failover routing across 21+ payment networks
Dynamic switching that selects the optimal network by cost, approval rate, and availability in real time
Multi-phase fraud scoring: velocity checks, terminal-level rules, and behavioural pattern limits
Configurable business rule engine for custom routing logic per merchant, card type, or region

03 / SETTLE & RECONCILE

Automated settlement and four-way reconciliation.

Eliminate manual settlement matching. CenterFirst reconciles across Maal, Jaywan, 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

Automated T+0 to T+2 settlement across Maal, Jaywan, Visa, Mastercard, RuPay, Amex, and all supported networks
Four-way reconciliation: scheme files vs. bank records vs. merchant ledger vs. GL, automated daily
Exception handling with configurable auto-resolution rules and full exception reporting
Complete chargeback workflow: dispute intake, retrieval requests, case tracking, and resolution

TECHNICAL SPECS