paylight.de

Solution for

Global Transaction Processing

and Payments

powered by 360° view of master data

Language Study made simple.

Integrated One-Stop-Shop Solution for Language

courses, accommodation and leisure activities.

Solution for Electronic Health Professional

Cards (eHBA) for qualified eSignatures

Integrated One-Stop-Shop

for healtcare professionals.

paylight.de Healthcare Solution ehealth360de

Solution for

Global Transaction Processing

and Payments

powered by 360° view of master data

Language Study made simple.

Integrated One-Stop-Shop Solution for Language

courses, accommodation and leisure activities.

Solution for Electronic Health Professional

Cards (eHBA) for qualified eSignatures

Integrated One-Stop-Shop

for healtcare professionals.

Build Your Organization Hierarchy

Define hierarchy to manage products, reseller commissions, payments and receivables with partners.

Configurator allows you to define simple to complex organization structure involving contracting, servicing and partner entities. While contracting entities are responsible for managing end customer contracts, independent service organizations provide additional services to meet the business goals.

Define Your Product and Services

Use our domain specific product hierarchy template to define your products and services offering.

Capture texts, images, videos and maps of products and services which will appear in your shopping cart. Configurator allows you to capture recurring schedules for courses and events. Achieve operational ease by defining fees and commission at group levels in the product hierarchy which gets applied to the leaf level products. You may choose to adopt one of our payment, education and healthcare hierarchies or extend the existing ones as per your needs.

Configure Fees & Commission

Define commissions, forex markup, per transaction fees, periodic and one-time fees.

Contract templates helps you to define multi-dimensional criteria to choose fees and commissions. Define peak season pricing, promotions, VAT (standard, product and zero), partner wholesale price for gross / net computation.

Define Promotions, Fee & Commission: Allows definition of per transaction fees, periodic fees, account level fees, commissions, forex markup and many others powered by multi-dimensional fee criteria.

On-board Your Customers and Merchants

Allows you to left shift by enabling self-service to your end consumers like merchants and customers to onboard themselves.

Your end consumers use our one stop shop solution to buy services and products. Our order process workflow captures only needed information to setup the basic top-level customer. While merchants in payments may undergo KYC checks, students in education solution may enter lesser data to complete their on-boarding.

Maintain Accounts

Allows Sales Representative, Customer Service Agent, Sales Manager, Operations Manager, Finance and Admin within your own or partner organization to maintain their merchant and customer information.

Employees of your partners may also be on-boarded to perform actions on data restricted to the specific partner data access rights.

Finance Automation and Order Management

Your Finance team may take decisions based on near real-time postings and balances at various levels.

At checkout periodic orders are tracked as services while rest are posted as one time AR fees. Configure payout methods to incur least transfer cost across payout channels. Drill down balances for resellers, payment aggregators, direct customers and products at various lifecycle stages for commissions / settlement and AR entries.

Mission Control

Our solution works in serverless event driven environment, where most of the jobs run as event driven processese. Mission control provides a dashborad for the run status of these event driven jobs.

This oversees the event driven cloud native processing - which is the core processing of the system always working on the background.Rerun processes and view processing status using this mission control monitoring.

Our Product Features

Configurator

Global Meta Data

The solution is deployed with a template which lays out the foundation for the data types, business elements, discrete domains and composite types (entities) that are inherent to the business. You may use our template or enhance based on your business need.

Legal Entities & Multi-Tenancy

You start by defining the contracting entity that is the key legal entity in your country of operations. Subsequently you attach servicing entities with your contracting entity that help you to provide full service towards network settlements.

Partners

External financial institutions who are partner to your business may also be defined and configured here along with their Teams

Teams

You frame your teams by assigning various roles to team members. Team members are your employees and external individuals attached to your business. We allow uploading of your organization data in Configurator for team definition.

Products and Services

Once you define your Servicing Entity the channels and product hierarchy is automatically associated from the template. You may add in new products and delete existing products as needed by your business. You may navigate to fees and commissions to define the fees structure that will apply to all your service that you offer to your merchants.

Role based Function Access

Your employees configured to access the system inherits two types of access – data access and function access. Function access associated with a specific role for logged in user entitles them to access specific functions e.g. view, edit, approve Merchants and related information.

Data Access Control in Multi-Tenancy

Solution offers built in feature for separate physical data storage for different tenants.

Legal Entities, Partners and Team definition determines the automatic data access controls over your merchant and their related data. Your team associated with your Contracting Entity have access to all information related to direct merchants or ones related to your partners. However, teams under your Partner will only be able to view their respective Merchant data. Self-logged in Merchants have access to their own profile only.

A super-admin will be able to access all Contracting Entities in the deployment and their associated direct Merchants and Partners.

Business Calendar

You may configure our solution to address multiple or single legal entity under same deployment. Maintain your business calendar for each entity which determines when specific events are triggered.

Fees and Commission

Fees & Commissions

You define hierarchical rules that does the computation of per transaction fees, periodic accounting fees, event driven fees or fees that are related to equipment renting.

Contract Templates

As the name suggests these are basket of fees and commissions that are attached to your merchant contracts. You may define multiple templates. Some of which you may choose to apply globally with any merchant or with a product or customised for some specialised merchants. As the name suggests these are basket of fees and commissions that are attached to your merchant contracts. You may define multiple templates. Some of which you may choose to apply globally with any merchant or with a product or customised for some specialised merchants.

Forex Markup

Define rules where to apply markup fees for foreign currency conversion based on various posting currencies and transaction currencies.

Sign Up, Onboarding and Self-Serve

Sign-up

Your service consumers and Merchants will be able to do a self-signup, fill-in their basic information for their account creation. Our product catalogue helps you to configure shopping cart experience for your consumers to pick and choose the service during their self-sign-up.

My Profile

Allows your customers and merchants to view and maintain their own profile data – addresses and bank details

My Orders

Allows your customers and merchants to view all orders placed by customers and merchants from one-stop shop. Depending on the nature of your configured shopping cart customers and merchants may confirm their orders after booking.

My Transactions

Allows your customers and merchants to view all transactional data posting, balances and pay-outs and invoices

Accounts Maintenance

Custom Views based on Access

Your employees, external individuals and partner employees will be offered with a data view that is legitimate to their access. Employees that are associated with your own legal entities will be able to view all your direct merchants and merchants connected with your Partners. Whereas employees from your partners will only be able to access their own merchant.

360° view for your Consumers

Due to inorganic growth of business, it’s hard to get a single view of your customer across all your entities. This feature provides your employees to access an unified view of your customers and merchant information spanning across your entities governed by their data and function access rights.

Account Creation

Allows your customers and merchnats to create their own account during checkout with their addresses, bank and product selection.

Finance Automation

Near Real Time Access To Your Financial Data

An event driven workflow enables you to view near real time balances for your merchants, compute fees and commissions on the fly on transaction posting versus waiting for the end of day batch to run.

Solution empowers you to configure near real time settlement pay-out provided interfaces outside the platform are capable of accepting it and you are comfortable with your financial risks.

Our processing is parallelised granularly. For example merchant settlement runs in multiple threads for various merchants. Similarly packets of transaction posting happens in parallel.

At the end we believe in pay as you go. So in a off-peak season you pay less for less transaction volumes.

Settlement typically have two legs – network settlement and merchant settlement. Our event driven back-ground processing allows complete workflow implementation for is an automated back office tool to provide services like automated Transaction Posting, Settlement Initiation and Funding and Reconciliation has a dedicated facility to overview Merchant Balance and it's payment forecast. Additionally it acts as an repository for all Payout Bank Accounts and it's Statements. It also helps to drive the selection of payment Account using Bank Payout Rules.

Transaction Capture & Posting

Web-hooks and Transaction Batches - Solution offers APIs aka web-hooks for your transaction capture channels and gateways. Ask for our developer guide for web-hooks or request for Paylight professional service to develop your interfaces. For transaction generated from your legacy systems where web-hook integration is difficult we accept multiple transaction batches. Processing is triggered when batch file arrives. Inherently both approaches utilises same micro-service running in parallel.

What happens with your transactions - On acceptance of a transaction the merchant information is validated against the master data, enriched, fees computed and posted against each transacting merchant.

Who receives the payouts - While posting gets registered with a transacting MID, you may define your pay-outs to be paid at a MID or a higher level e.g. top level customer or your payment facilitator / aggregator.

What happens to my multi-currency transactions - Currency conversion is applied to your transactions depending on the transaction currency, settlement currency and currency option configured. While like for like may choose a bank account with same currency without any conversion, whereas all to one may trigger a currency conversion if the transacting currency is different from the settlement currency. Fees are always computed and posted in settlement currency. System picks up daily exchange rates from feeds for the currency pair.

Where can I see my transactions – You may view all transactions under posting menu based on your data access. It's provides you a consolidated view of transactions along with the fee details for each transaction posted. You may do manual adjustment or put some transaction on hold to stop further processing of transactions.

Merchant Payouts

Your will be able to view the merchant payouts once your transactions moves for merchant settlement. Your configured payout rules are applied to identify the debit bank account of your Contracting Entity.

Merchant Balance

You may view near real-time view of merchant balances. Balance amounts may be drilled down in various dimensions. Balance amounts are segregated into multiple buckets based on the transaction status.

Order Management

Order Management allows you to monitor your orders which are created at checkout, track its status until fulfilment. The products are invoiced into yours account and the services provide service to you once approved.

Mission Control

Our business process workflow is implemented using event driven processing. Mission control allows you to monitor success and failures for these event driven processing. In case of failure or partial success you may re-process or rerun the processing after necessary corrections.

Start accepting Alternate Payments using ASTROPAY CARD

Start accepting Alternate Payments using BANCONTACT

Start accepting Alternate Payments using BITPAY

Start accepting Alternate Payments using COAST

Start accepting Alternate Payments using OASIS

Integrated One-Stop-Shop Solution for Global Transaction Processing, Card and alternative (non-card) Settlement and Payments powered by 360° view of master data and meta data driven decision making.

If you are an acquirer, reseller, payment aggregator/facilitator, ISO or a company who helps merchants to accept payments using various payment channels and eCommerce solutions then our Payment solution is build for you.

Pay360.io can be used to replace complex issuing & processing solutions or parallelized with existing systems

Multi-Tenancy and country setup, individual branding and white label support for Partner and Verticals

Define your POS and ECOM products, you want to sale to your merchants

Allow them to accept various CARD payment acceptance, Alternate Payments and Wallets

Define various pricing and offers for your products and services

A one-stop shop with your own branding will get ready for you to sale your products & services

We reduce hassles by on-boarding your merchants when they buy from your branded one stop shop

Our self-serve facility enables your consumers to manage their profile and transaction data

Finance automation empowers you with flexible Partner commissioning / billing and settlement

Automated billing (VAT) settlement (AR/AP) and funding to Merchants and Partner

In today's world collaborating with your partners are very common. While your partner allows you to quickly market newer products and services, it brings in the additional hassles in settling commissions, payments and receivables with them. You may also agree to setup a wholesale price with your partners where as for your direct merchants the price for your products may be different. Our fees and commissions capability backed by financial automation will help you to achieve all with one time setup and no daily manual hassles.

Join Our Global Partners today - we have collaborated with some of the best international schools imparting world class education in areas of your interest.

Connecting the world through language study abroad or online, Integrated One-Stop-Shop Solution for language courses, accommodation and leisure/events powered by 360° view of graphQL master data.

If you are a school or an agent providing world class education to young students or adults our education solution is right choice for you. Using this solution

Define flexible bundle/packaging of products and services, offers and seasonal pricing

Configure offerings to appear in your one-stop shop with a competitive pricing

Define source market / target school related pricing and bundling

Choose to define offers, promotions and seasonal pricing

Define courses you offer from your various schools.

Offer accommodations, airport transfers and other student services.

A built in Class and Event / Activity scheduler which helps you to view course and event schedules with one click booking.

A self-serve facility for your students to maintain their own profile and data.

Allow student to participate in local events going on in the town

Multi-Tenancy and country setup, Individual branding and White label support for Agencies/Schools.

Our solution is unique in offering a back-office payment solution to manage all the payments and receivables

from agents and students in a completely automated way.

Our healthcare solution is a vertical market approach in the eHealth/NHS sector for a one stop shop that offers health-care products / ID card to the doctors along with protection and payment solutions.

This solution is fully build on pay360.io solution, to demonstrate the capability for different verticals and segments, combining vertical products with payment products and processing services.

We support the partner and actors in the sphere of public health by the conception and implementation of innovative, digital products and platforms. Our partners choose our solution to cross and up-sell of digital health products for the development of the telematics infrastructure in Germany. Combining digital health vertical services and products with payment services and acceptance.

Support the future of healthcare with:

Digital transformation of the public healthcare sphere

AI in health – transforming pharma and clinical insights, data flow and mitigating provider shortages.

Hospital at home and remote patient monitoring – reaching new frontiers of virtual care, the evolution of care programs and what patients want from remote health devices.

A new decentralized clinical trial model – setting a new standard in traditional research modalities with easier monitoring and faster, more diverse results.

Integration and Custom Solutions

Partner Ecosystems

Our payment solution allows delegated administration all of your Partner who are resellers and/or aggregators of our products. You may be able to create independent login for your partners and they will be able to view manage their own merchnats using our solution.

Professional Services

We understand that situations may ask for a complete custom build of solution to cater to your business requirements. We offer professional service to build and maintain custom solution.

Enterprise Datawarehouse & Information Management

The biggest challenge in finance back-office is to mange paybles and receivables across all your partners, merchants and customers. Our solution allows you to view balances at various levels - mapping them with receivables and paybles. You will also be able to view your liquidity position.

Know More >

Resources

Guides

Guides...Coming Soon..Put Content here

Request for Demo

Request for Demo...Coming Soon..Put Content here

Contact Sales

Contact Sales...Coming Soon..Put Content here

Become a Partner

Become a Partner...Coming Soon..Put Content here

Company About Us

Paylight was formed in 2019 when its founders and leadership team identified a growing need for a better master data management and transaction processing system, our goal was to unlock the potential of portfolios using master data and transactional data.

Paylight professional services arm delivers expert, insight-led assignments across all channels and payment types. This ranges from traditional cards and online banking to emerging omni-channel, crypto and cross border, mobile and cloud based payments. Delivery of projects that include everything from Board-level company strategies, M&A due diligence, supplier selection, cost optimisation & IT transformation programmes, to product definition and go-to-market planning.

Paylight’s pay360.IO Payment Platform adds commercial and economic value by nurturing meta-data driven information maintained over a connected graph. The architecture inherently facilitates easy multi-dimensional decision making, flexible business element introduction for a master data repository, product's and financial performance and customer segments within a portfolio. It then helps an organisation to operationalise this data to inform pricing practices that optimise business volumes and revenues.

We believe this opportunity exists in all transactional-based environments, focusing initially on the B2B, cross border and card/ non-card based payments market. Our solution can be deployed as Platform as a Service, SaaS on prem/cloud in multiple languages. Build using API first approach makes it easy to operate as native cloud or APIs legacy systems.