Overview

eKassir® - System is a complete high efficiency payment acceptance software solution. eKassir® Software System consists of:

• Payment acceptance server;
• Server for monitoring sales network;
• Gateways for payees;
• Software for end users – payment acceptance kiosks, cashier workplaces, POS terminals, mobile and other devices;
• Dealer's cabinet module;
• Payer's cabinet module;
• Royalty computing module .

The system can be used both by bank and any legal entity involved in payment collections from the public. The system is designed to accept payments from individuals through:

• Self-service payment kiosks;
• Cashier-operated payment acceptance points (automated cashier workplace - Cashier AWP);
• Gateway from other payment systems;
• Mobile devices;
• POS-terminals;
• Bank cashier's desk and Internet Bank system for individuals (for payment acceptance effected by banks);
• Other channels.

The system allows to accept payments for:

• Mobile communication;
• Various utility services;
• Credit repayments;
• Top-up of bank accounts and bank cards;
• Education;
• Tax and fine payment;
• The Internet and Pay-TV;
• Purchase of scratch checks and PIN;
• Other services ( tickets, transportation cards, lottery and so on).

Advantages and Specifics of еКassir® System

We are often asked: "What advantages does your system have in comparison with other payment acceptance systems? What is your differentiation?"

In our opinion, our main advantages are the following:

eKassir® System is practically the only system in Russia being developed as a separate independent commercial software solution for payment acceptance.

Our company is involved solely in the development of the software for payment acceptance system. We develop our software solutions as a commercial product, and we are highly professional at that. Other players in this market can be grouped as follows:

Manufacturers of Payment Kiosks

A number of manufactures of payment kiosks offer their own software to be used on kiosks in order to promote their hardware. Quite frequently such software is offered free of charge (to be exact, the price of the software is included in the price ofkiosks). The basic problem here is that sale of kiosks for these manufacturers is primary, whereas software and its maintenance is secondary. That means that such software does not always meet the market requirements and is suitable only for simple cases. Besides, (no matter what the manufactures say) such software is designed to work solely with this manufacturer equipment. Thus, the customer is bound to stick to this equipment and experiences difficulties in adding hardware produced by other manufactures.

Developers of Bank Software Solutions

Pursuing the market demand some developers of automated bank systems (ABS) and other bank systems include in their product line software solutions for payment kiosks integrated into the bank payment system. However, such option for the bank system developers appears to be very insignificant and necessary only to keep their clients away from searching other developers. Such software fails to compete with the software solutions of the leading payment systems. Similar situations occur when software designed for ATM machine is being adjusted to apply to payment kiosks. Software for ATM machines and software for payment kiosks are two different products, so attempts to interpret them as one business process may cause hazardous results.

Payment Systems in Operation

Apart from their main activity to accept payments some companies - payment system operators, in order to increase their revenue, sell their payment processing software to other entities wishing to collect payments. Such software is quite good and at large meets market requirements (otherwise the given payment system could not compete with other payment systems). But there are some points here, which need to be discussed:

• Such software has been developed to support a certain operation model used by this payment system (i.e. it lacks competitive advantages that one could rely on when entering the market, for instance utility charge payments may be missing). It is impossible to change the operation model in this software;
• The software is developed to support the needs of a certain customer and cannot be easily modified to meet other customers' needs (as a rule such modifications are costly or impossible) and the seller itself is not interested in such modifications;
• Proper technical documentation is missing. The operating company does not need it since its programmers know their own software well enough, and the process of writing detailed documentation slows down software development. Besides, practically no agreements on writing source codes are being followed in the process of the software development. If this is the case you cannot transfer this software for further development or upgrade to other team of developers outside the company;
• Seller's programmers are primarily concerned with their company operation; problems of the customers having purchased their software product are only their secondary concern (this circumstance, just like lack of the required technical documentation has an equally adverse effect on the quality of customer software maintenance service).

How Does It Differ from Standard Ways of Payment?

Superior Technical Features of Our Solution

Our customers – users of eKassir®, software for the purpose of payment acceptance have to compete with payment acceptance market leaders, such as CyberPlat, OSMP, ePort and others. This is why we are continuously involved in sustaining a remarkably high quality of our software product, either catching up with, or in some features being even superior to the market leaders. This is crucial; otherwise business of our customers (and hence ours) won't be able to cope with tough competition in the market.

Flexibility, Easy Set up and Customization

Nearly every eKassir® installation is accompanied by some software modifications. It stands to reason, because every customer wishes to carry out its own unique competitive advantages or specific purpose of the project. This is why we developed eKassir® system to be extremely flexible and customizable. Customers can perform the biggest part of the software modification on their own (if they like) or order it from us. Since the system has initially been developed in view of possible modifications, such customized changes and settings to tailor to specific needs of the customer won't take much time or effort.

Multi-vendor Policy

An important feature of eKassir® software is that it is not tied to any equipment manufacturer. The system can incorporate a wide range of peripheral devices, including those present in the hardware of most self-service kiosk manufacturers. The list of peripheral devices capable of working with our system keeps growing.

Documentation, Technical Support and Training

These are very important components of the software business project. We do our best to approach them with utmost professionalism. It is next to impossible to successfully implement payment software system ordered by a client without technical documentation having been written with due competence and being regularly updated. The quality of the product support and maintenance may have a serious impact both on the time of the system installation and on the customer's business prospects to accept payments following the installation. Customers planning to develop big projects based on eKassir® system need training. We treat all mentioned aspects of the software development, installation and maintenance with utmost care.

Technical and Business Consulting

It is another significant component of successful implementation. Customers at times have incomplete or superficial knowledge of the payment acceptance business. So, while working out the project they can make mistakes, which are obvious for experts. It is crucial for us that the project of our Client should be successful. We always provide advice to the Clients at the stage of the project discussion and implementation to help them prevent standard errors and launch the project as quickly as possible. Apart from that, we are ready to give to our partners templates of various documents, regulations and other necessary materials.

Scaleable to the Project

eKassir® has experience in implementing both small-scale systems integrating a few dozens of kiosks and major payment systems processing up to hundreds of thousands payments per day.

eKassir® software has lots of other advantages. In any case, while choosing a complicated software system it is advisable to rely on your own experience. That is why please test our free eKassir® system demo version with complete functionality (limits are applied only to the number of payment acceptance points).