Payment infrastructure
Multi-acquirer middleware
Tarang Software's Middleware is an innovative platform for the POS Acquiring business. It is also known as Middle Host.
The current implementations of POS terminals which do acquiring of card payments is a little clumsy due to the tight coupling between the devices and the switch. This approach creates a situation where the merchant does not have a choice of which Bank to use to process their transactions.
The Middleware platform comes between the terminals and the Bank switch. It accepts payment transactions and can send them to several Banks depending on the defined algorithm. Merchants can choose the switch with the lowest downtime or the Bank with lower rates.
The POS payment App uses a Multi Acquirer model where transactions are routed to different endpoints based on built-in intelligence.
The Middle Host is used in the SoftPOS architecture when SoftPOS terminals send transactions to MADA. The Mobile App sends transaction data to the Middleware server in JSN, ISO, or NEXO format.
A Listener module receives SoftPOS transactions on Port 80 and validates TID/MID. The Middleware decrypts the packet using the key from the HSM.
The decrypted packet is translated from NEXO or JSON to ISO, encrypted again, and sent to MADA.
After a successful transaction, the response returns to the device and the transaction data is saved in the TLM server.
Refund and Void transactions are processed in the same manner as a Sale.
Reconciliation is triggered from the TLM server because the transaction data is stored in the database.
The Middleware server integrates with TMS II. The encryption key is obtained from TMS II and sent to SoftPOS by the Middleware.