Modern Switching Solutions – the time is now and BP-Switch is ready!



Payment front ends have gotten a lot of media attention. Now, the back end systems that make everything possible are also starting to get the attention they deserve. We noticed an interesting question about payment switching solutions on Quora. You can read our thoughts about it below.

We also have an update on the latest EFTlab’s BP-Switch 2.0.011 release for you.

Good reading!


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  • Quora Query on Payment Switching Systems: The following question was posted on Quora: "With ACI Base 24 Sunset limitations and the FIS still maintaining legacy platforms, will the banking industry change the existing ATM and POS switching systems to modern solutions? What options do they have?" At EFTLab, we are glad to see this kind of question because it demonstrates that people are looking for the solutions we offer. Here is how we would reply:

    Clearly, change is coming to the payments industry. Today's businesses are growing frustrated with the rigidity of the large payments players, who run payments to suit their legacy switching platforms and charge dearly for any customization or change request.

    The most commonly used switching platforms, Base24 and ISO8583, lack the flexibility to meet the increasing number of new security standards and the requirements of new payment products. The workarounds needed to try to address this deficiency only serve to increase the complexity of these bitmap-based formats. The size of the bite taken out of merchant profit margins by large payment networks is another sore point, leading merchants to experiment with alternate payment methods and options.

    A new generation of payment switching solutions is needed to enable businesses to react quickly to customer demands, new security requirements and payment trends. This new generation of payment switching solutions will have a foundation built on the latest flexible technologies such as JSON, ISO20022, and Docker, and will be highly scalable and expandable—a bit like LEGO – allowing switch owners the freedom to quickly roll out their own custom solutions in real-time and with minimal effort.

    These payment switching solutions will also natively interface with each other in a P2P way -- forming a number of closed payment systems, where payment processing fees will become much less important or may even become another source of income, providing additional value to the switch owner.

    BP-Switch is just such a new generation switching solution and it is available NOW. For more information on BP-Switch, see our website. >>

  • BP-Switch 2.0.011 release: This month the BP-Switch team has focused on the little things that make life easier. To name but a few: Extra monitoring from Zabbix by default; better navigation within the user interface; more drop-down choices instead of text boxes; extra tracing for SSL negotiation. On the larger scale, we’ve put together a new implementation proposal and specification for Tokenization, where there is support for both the EMV standard-- enabling products like Apple Pay to work --but also a more friendly framework for mapping many tokens from many entities to a single identifier where this is required (for example big data solutions). We’re also preparing for next month’s PA:DSS audit and so have been tightening up the BP-Switch documentation to ensure it is easy to deploy PCI:DSS compliant versions of EFTlab’s software.

    Learn more about BP-Switch >>

  • BP-Sim 15.10 release highlights:

    • BP-HSM: Added verification options for SSL connection handling
    • BP-Sim: FIX: Server instances taking 100% CPU after disconnect
    • BP-Sim: FIX: ZKA MAC verification not using correct algorithm

    Learn more about BP-Sim >>

  • BP-Tools 15.10 release highlights:

    • BP-CCALC: Key combination screen now prints KCV for each component
    • BP-CCALC: Added support for PVKI values 0-9
    • BP-HCmd: Added verification options for SSL connection handling

    Learn more about BP-Tools >>

Coming Next Month

  • Visa Cloud-Based Payments Contactless Key and Cryptogram Creation for BP-Tools

  • BP‑Switch PA:DSS audit update


BP-Tools is a set of freeware applications for EFT testing, benchmarking and transaction service development.

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The Babylon Payments Simulator (BP-Sim) is a family of highly efficient regression and stress testing tools, designed for deployment in development and pre-production environments. BP-Sim allows users to perform an extensive range of tests across the chain of payment services.

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The Babylon Payments Processing Suite(BP-Processing) is a suite of EFTlab's products for realtime payment transaction processing and authorisation.

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