ApplePay has introduced the concept of tokenisation, as it applies to card-based transactions, to mainstream audiences. Friends that had never heard of tokenisation prior to ApplePay […]

Payment switches and the surrounding infrastructure are usually considered critical systems, where any failure involving data loss or down-time can result in lost revenue, lost customers, […]

It has now been 5 years since EFTlab wrote the first line of code for the Babylon Payments product line. This is a good opportunity to […]

Heartbleed bug seemed to shake world of security, but what about core banking? All EMV is based on RSA certificates (X.509) being employed for SDA, DDA […]

This article has been written to provide a brief introduction to fee calculation, the impact on transaction processing and of settlement handling. Often we work in […]

The technology that lies behind EMV both contact and NFC transactions is to some extent a black box that just does what it does and when […]