Services & Solutions
Solutions provided by OneTimePay are developed in house and can broadly be defined in the following categories:
CENTRAL ISSUANCE
OneTimePay provides complete solutions for personalization and post issuance management of single and multi application smart cards
where information gathered from a number of locations are collected at a central point along with personalization and development for distribution to the cardholders. Our central issuance solution allows banks to take full control of the issuance through in house personalization supporting multiple databases and allowing data retrieval, image capture, card issuance and reporting facilities
BRANCH INSTANT ISSUANCE
The branch issuance solution enables EMV compliant smart card issuance instantly from bank branches following successful registration as well as instant replacement of lost or stolen cards in less than one minute. Being EMV compliant also means that high security levels are ensured through encryption using key management schemes (Master Session, DUPKT and RTKS) and EMV data remains in the central server accessed only by authorized bank staff upon request. OneTimePays’ secure pin pad can be used to allow card holders to enter their pin or alternatively an IVR can be used.
MPOS
Retailers are now seriously considering mobile POS solutions to address challenges and opportunities in the new connected world. OneTimePay help merchants on the way from Channel to Customer eccentricity Payments, CRM, Loyalty, Mobile and POS technology providers are extending their offerings to enable integrated shopping experience MobiSwipe is the most convenient Mobile Payment Service that enables merchants to accept credit debit card payments anywhere and anytime by using their android mobile or tablet
loaded with the MobiSwipe Application that gets connected to EMV L1 L2 PCI PTS Certified Card Reader
EFTPOS
OneTimePay EFT POS application processes all types of payment cards through real time authorization in a secure payment environment using key management systems such as Master/Session Key, Racal Transaction Key Scheme and Derived Unique Key interacting with any payment service provider Certified by ADVT and TIP, it supports EMV cards and is
able to perform multiple host routing The fast paced deployment of private cards, gift cards and phone top up cards ensures minimized transaction queues for users
NANOSWITCH ATM
A secure online solution for ATM/POS transactions optimizing the management of ATM/POS activity providing transaction routing,
authorization host, settlement and management reports The solution complies with strict EMV standards and is certified by major payment labels including VISA and MasterCard The monitoring system of NanoSwitch ATM allows in depth supervision of ATMs providing clients with detailed information on the ATM activities at any given moment with the number of ATMs in service, out of order, without connection and more A measurement system generates analyses of each ATM performance using stored data and offers both standard and customized reporting capabilities which can be utilized at any time
CARD MANAGEMENT SYSTEM (CMS)
OneTimePay CMS can help you offer cutting edge services and maintain the highest customer service levels The CMS is a complete EMV certified system that manages both issuing and acquiring functions for private and international banking cards including card and merchant functionalities, payment authorization, account clearing and settlement All approved authorizations can be controlled and monitored with the CMS and instant transaction reports can be generated demonstrating statistics for all transaction activity
NANOPERSO
OneTimePay provides EMV NANOPERSO Card Personalization solutions that comply with strict EMV security and design standards ensured by host security module The software contains magnetic stripe encoding and chip encoding as well as contact/contactless encoding
AUTHORIZATION AND SETTLEMENT
OneTimePay EMV Authorization Host determines whether a transaction is accepted, rejected or referred to a card authorization organization by card issuers such as VISA, MasterCard, and JCB etc The approval process is based on account number validation in combination with an expiration date or authorization schemes such as hot card to ensure the cardholder’s account is activated and that the card has passed various security checks and is activated when sales transactions are made in POS machines/devices The system can be configured to a variety interfaces, ATM terminals, POS machines/devices, host systems, credit card networks and switch networks using customized authorization settings to determine the relevant authorization issuer and monitors card usage by product type, volume, time, location and usage limits if applicable
TERMINAL MANAGEMENT SYSTEM (TMS)
This is a flexible, easy to use system for Ingenico/OTP POS terminals that provides a full suite of facilities to control POS terminals and their software as well as allowing users to define, configure and update POS parameters and tasks The TMS is also equipped with two auditing levels the User Activity log which logs all users’ activities such as login/logout and screen access and the Audit Log which generates database level log report for all tables as well as a link to more detailed screen specifying the values for the updated fields
before and after update The TMS is comprised of three components POS Master, Connection Services and Monitoring
DIGITAL BANKING SOLUTIONS
OneTimePay enhances its Digital Banking portfolio by introducing Instant Account Opening and Card Issuance Kiosk, Digital Wallet, QR Code Payment and Biometrics to provide hassle free and convenient banking services through alternate delivery channels to customer by leveraging technology
E-WALLET SOLUTIONS
OneTimePay new generation of E-wallet solutions supports all common sets of protocols for entering information into online forms and POS terminals agreed upon by all major players in the industry It works with all web security software as well as all POS terminals and enables E wallets to automatically extract customer information into payment forms of participating merchants Our E wallet is stored on servers controlled by the bank or other service providers whose software manages the exchange of information with
merchants’ website and can stand alone or be integrated with existing financial products and networks
MANAGED SERVICES
OneTimePay Managed Services provides banks with onsite teams to manage Terminal and POS services, POS Network Services, ATMs, Remote IT Infrastructure and Digital Payment Solutions The new APAY Managed Services has no ownership costs for banks and financial institutions and provides 24 7 skilled onsite or offsite manpower It provides them with a cost effective alternative along with the benefits of smoother card production in order for the banks to achieve better customer satisfaction Banks can now avail of the advanced technology to their full capacity with technical staff that provide services to the banks with PCI compliance standards
BEYOND BENEFIT
Benefit Beyond is a multi loyalty scheme which has a redeeming model application available on every clients touch point Benefit Beyond is a Business to Business to Consumer (B2B2C) program which would help collect and analyze a wide spectrum of customer data, such as customer information, transaction details, information about intermediaries ( dealers, sales agents etc responses to marketing campaigns and promotions and many others The program includes issuing Loyalty Cards, Prepaid Cards, Gift Cards and Retail Suite
• Loyalty Application B2B2C (Business to Business to Consumer) loyalty programs are a great way to encourage loyalty among your B 2 B clients and at the same time connect with your end customers The uniqueness of this program is the fact that they encourage more sales and profitability, while providing effective means for reaching your end customers This loyalty program will help businesses across a range of verticals and sizes to provide numerous benefits to customers The greatest advantage is that customers
can avail of points across multiple outlets including airlines, supermarkets, entertainments and many others In addition customers are not restricted to redeeming points within the same store or chain of stores This solution is built on the OneTimePay network of terminals deployed in the market
• Retail Suite: The Retail Suite helps retailers using any CRM with customer data while linking its services and providing a mobile friendly application to work on social media It reduces cost and improves profitability It represents an ecosystem of web portals and Windows, Android application It is a scalable and open platform with straightforward model for integration with leading ERP systems ( Navision, Axapta, Oracle) which can be deployed on the Cloud or onsite
ECR INTEGRATION
OneTimePay offers clients a unique user friendly and secure integration tool that integrates various software and hardware components with EFTPOS residing on an IP based LAN or wireless infrastructure enabling the management of external peripheral devices such display screens, printers and keyboards that may be required The solution allows for automatic routing of transaction from user’s POS terminal to the authorization server securely through the secure key management scheme by Pin Pad The Pin Pad performs the Request and Response Block MAC calculation and verification and generated pin block while the ECR initiates the payment authorization request, sends the response back to the pin pad and finally generates a receipt
OneTimePay PETROL SOLUTIONS (OPS)
OneTimePay Petrol Solutions, OPS specializes in end to end system solutions for the petrol industry including complete station automation, outdoor payment terminals and convenience store management The OPS system includes advanced loyalty and digital payment solutions based on contactless vehicle identification. OneTimePay works both directly and through its network of strategic world class partners with a customer database including major pioneers in the industry throughout the Middle East and Africa
RFID
OneTimePay is the ultimate answer to easy and secure RFID automated refueling based on a vehicle’s identification device By adding the OPS at petrol stations, dealers and oil companies, they offer an advanced service for fleets and private motorists. This also acts as a convenient and easy loyalty tool .OneTimePay is an integral part of the Vehicle Identification, VID, station automation and can be incorporated simply through a small antenna reader attached to the nozzles for contactless reading of the FuelOpass device installed in the vehicle, however for the convenience of clients, the VID can also be integrated into other station automation systems, The OPS station infrastructure can also be used for tracking personnel activity and attendant shift management by reading the attendants contactless tags to authorize the pump for FuelOpass refueling The system covers all the refueling stages including identifying the vehicle in need of fuel, releasing the pump according to the correct fuel type and logging the transaction
E-HEALTH
E-Health is changing the way providers can deliver improved Healthcare at reduced costs It improves quality of care, reduces administrative and medical errors and provides a better patient experience The e Health revolution is now accelerating, offering more innovative connected solutions at the point of care with Healthcare providers getting remote and real time access to patient
information (Electronic Health Record), issuing electronic prescriptions and electronic transfers to Healthcare insurance institutions. OneTimePay provides health cards that hold important information of the bearer including demographics, brief medical history, blood type, allergies and health insurance policy details that may save an individual’s life It can also act as an e purse to allow bearers to pay for medical treatment
E-INSURANCE
OneTimePay E-Insurance solution allows for all insurance procedures to be completed electronically including providing customers with policy information, allowing customers to complete and submit insurance claims as well as provide policy makers with audit guides. The E-Insurance cards hold important information for customers including basic medical information related to the bearer, insurance policy details and medical outlets covered under the insurance policy Security is also ensured for both the policy makers and the customers with the integration of personal pin codes biometric based security mechanisms to avoid unlawful use of stolen or lost cards E insurance offers prompt and secure verification of entitlement based on prior configurations or set rules via a central, high availability system
E-REMITTANCE
OneTimePay service provides you with peace of mind by minimizing paperwork and reducing the risk of error E remittance enables you to send your remittance contributions directly to us via our secure transactional Web site and even make payments using the account collection service available on most financial institutions’ Web sites Advantages of using E remittance
• Makes managing your remittance payments easier
• Speeds up transmission of data
• Processes contributions to member accounts faster
OneTimePay is an easy solution to minimize paperwork and reduce the risk of error E remittance enables the user to send remittance contributions directly to via a secure transactional Web site and even make payments using the account collection service available on most financial institutions’ Websites
E-PAY
Electronic payments are payments that are made directly to payee from your bank accounts using security features over the Internet to process the transactions Most financial institutions offer electronic payments online directly from their website to the payee. OneTimePay offers access to set up electronic bill payments through financial software for easy payment and clear transaction
M-PAY
M-Payment is emerging worldwide, moving payment lines and creating a new ecosystem for all merchants OneTimePay proposes ubiquitous white labelled enterprise level mobile agnostic solutions addressing all merchant needs
• Full range of mobile acceptance devices with the highest market standards
• Long standing expertise in local payment apps in more than 125 countries connected to more than 1 000 acquirers
• Providing mobility solutions to large retailers
• Payment secured solutions and EMV requirements everywhere
• Addressing new verticals such as deliveries
• Extending market to external contractor
• Mobile POS solution
• From card acceptance device to gateway
MOBILE E-TOP UP SOLUTION
OneTimePay Mobile E-Top Up Solution acts as an intermediary between service providers are retail outlets generating E Vouchers with a 12 digit pin number for customers to instantly top up their credit balances or E Top Up where the recharge amount is directly credited to a customers’ phone followed by SMS Notification The centralized processing service and integrated CRM solution manages each merchant and terminal and users are given advance reporting options with in depth logs that provide accurate analyses of all prepaid activities The unique multifunctional solution also manages e ticketing, fund transfers, coupon generation, discount generation, gift card generation and prepaid card generation
EID
EID encompasses a large array of identity documents national e IDs, civil servants credentials, services cards, transit passes or even enterprises access cards. OneTimePay has structured our offering to fit the needs of four major segments administrations and companies’ internal uses, government offices, mobile solutions for public officials and personal solutions for citizen
PARKING SOLUTION
OneTimePay along with digital payment solution partner ( provides unattended terminals and payment applications for acceptance of cards as a mode of payment while parking The solution offers quick and easy payment of parking fees with hardware and software that will allow payment through credit and debit cards
E-VOUCHER
Our E-Voucher system is a comprehensive solution targeting the distribution of value added electronic payment solutions for multi channel prepaid services creating and managing electronic vouchers for services such as telephone, internet, transportation, events, etc The E Voucher can be printed via POS systems in online or offline mode and are securely stored in encrypted format to be printed upon demand In addition to the E Voucher code, providers may opt to print other information on the E vouchers such as service provider information, user instructions, product barcode, usage terms and conditions as well as marketing and advertising material. The E-Voucher system supports Ingenico hardware and has been developed with the latest encryption/decryption technology, a flexible database and a web friendly interface with powerful tools to efficiently and effectively manage providers’ business and distribution networks The user friendly web based server is equipped with cutting edge management tools to control, configure and supervise distribution of services at all levels and offer users the ability to view reports and maintain data The structure comprises of a three tier architecture providing present authorization and system control levels
ASSET MANAGEMENT SYSTEM
Asset Management System provides technological solutions to Asset Managers so that they can create flexible investment relations to their clients This solution will turn data into insight, ensures compliance and operate with scale The Asset Management System helps in avoiding audit related fines and penalties, unnecessary purchases and overspending With this solution, clients are provided with a modern user experience to view their current assets, request new assets and services, collaborate with other users and resolve issues in a single place Hence it is a box of information and tools to optimize performance and maximize the return of investment
BUSINESS INTELLIGENCE MODULE
OneTimePay BI and Analytics platform are able to fulfill a broad set of BI requirements within the organization It analyses the business on a variety of criteria, from portfolio capabilities, sales and marketing strategy, financial performance, product strategy, geographical coverage, organizational strength and customer feedback OMA Emirates’ BI will help the end user to improve and optimize decisions and performance
PAYMENT GATEWAY
BB Payment Gateway enables merchants to accept mobile and online payments, facilitated with customizable payment checkout, sophisticated payment API, recurring payment management and the three tier defence strategy to identify fraudulent activity and high level MIS
BILL PAYMENT SOLUTION
Bill Payment Solution is a platform for easy bill payment that promises your customers a hassle free experience This is a desirable alternative to cash and online payments, placing more emphasis on customer convenience and transaction security This payment platform can be integrated to the POS, kiosks, online websites, ATMS and any other payment channels
CALL CENTER SOLUTION
OneTimePay Call Centre Solution is a product that solves the specific need for customer relationship management This module has the queue management system, real time monitoring system, complaint management system, escalation management system, dual customer interaction module, backend integration module, intra voice response system and the SLA management system
SMS and EMAIL CAMPAIGN MANAGEMENT
OneTimePay sophisticated SMS and Email campaign management solution allowing the end user to organize complex marketing campaigns with ease Our large scale infrastructure and backend system ensures fast delivery at the best delivery rates Using the solution the user can manage your SMS and Email marketing on the same platform Create integrated, cross channel campaigns with personalized, rich content
WPS SOLUTION
OneTimePay WPS solution is a payroll solution to improve the salary disbursement process, in compliance with the directives of the Ministry of Labour. OneTimePay provides a secure and convenient salary disbursement solution for all business It facilitates timely and easy salary withdrawal for workers and employees without any hidden costs or charges Besides, workers can leverage a wide range of exceptional services including worldwide money transfers, credit cards bill payments and many more, all under one roof
E-REMITTANCE
OneTimePay E-Remittance is a comprehensive solution with advanced integration engine that allows seamless connectivity with agents and banks for managing the remittance operations at the branch level The product has an interface with SWIFT and can be integrated with E Trade, enabling customers to send and receive remittances within the country and overseas E Remittance gives you the cutting edge technology needed to serve customers in the best possible manner, while simultaneously ensuring that the front office operations are efficient It has the following modules such as Processing Management, Disbursement Management, Booking Management and High End Security module
STUDENT’S ATTENDANCE & TRACKING MANAGEMENT SYSTEM
OneTimePay student attendance and tracking management system is a powerful program, able to check students in and out with no more than a click This software can even keep track of tardies allowing teachers to know if specific students are frequently late to class Students can be tracked on their every moment, right from entering the school bus until they exit This is especially useful in case of an emergency to know exactly who needs to be accounted for quickly The solution can be integrated with biometric, NFC and RFID readers