Quantum Cloud Banking

We provide solutions for banks and fintech companies: acquiring, payment systems, and consulting. Reliability, security, and scalability are our foundation.
Solution
The QCB solution complies with global payment standards for chip, contactless, and other cards. It meets PCI PA DSS, PCI-DSS Level 1, and Visa PIN Security standards. P2PE compliance simplifies PCI DSS certification for merchants.
Our solution offers transaction routing, terminal network management, real-time monitoring, remote updates, and data exchange with the processing centre. It also supports payment functions across various terminal brands.
Beyond traditional on-land payments, QCB offers robust solutions for eCommerce, enabling secure online transactions. Our remittance services facilitate fast and reliable money transfers across borders. Furthermore, our core banking solutions provide comprehensive tools for managing daily banking operations. The on-land payment infrastructure, accompanied by the multi-banking payment gateway for banks and financial institutions, includes both the best-in-class hardware and bespoke software.

QCB solution is certified to work with the following processing hosts

POSLine ISO8583 Interface
Transmaster Interface Specification for POS Terminals on ISO8583:1993 (E) Hypercom POS to Tieto HPT Host interface (Card Suite)
ISO 8583, OpenWay POS dialect (Way4 Host) ISO 8583, OpenWay POS dialect (for Transaction switch)
TranzWare ISO8583 Terminal Protocol
SmartVista front end ISO8583 POS Trickle Feed
PKK Payment System
PKK Payment System
Key functionality
Centralised management of the device fleet
Automated management of encryption keys
Integrated monitoring in real-time
Decentralisation of EFTPOS terminals distribution
Multi-banking feature support
Multi-merchant function support
Multi-hosting support
Analytical reporting
Transactions flow recognition
Work with equipment from different manufacturers

Infrastructure as a Service (IaaS)

The QCB solution complies with global payment standards for chip, contactless, and other cards. It meets PCI PA DSS, PCI-DSS Level 1, and Visa PIN Security standards. P2PE compliance simplifies PCI DSS certification for merchants.

Architecture

The system supports standard functionality on EFTPOS terminals as PCI by implementing additional features for Visa, lowering hardware and service software infrastructure operating costs, thus increasing revenue.

Our Payment Gateway solution was developed in compliance with international payment system requirements for servicing chip-based, contactless, and other types of cards.

The solution meets international card security standards such as PCI PA DSS, PCI-DSS Level 1, and the PIN Security Programme. The software solution is P2PE compliant, greatly simplifying the process of PCI DSS Level 1 certification for merchants.

On-Premise
Deployment

QCB offers development, implementation, and support of solutions dedicated to payment card acceptance and management of a POS terminal network. The system is developed for administration and control of EFTPOS terminal networks and transaction delivery, as well as real-time monitoring of transactions and technical features of payment terminals.

Our solution meets the requirements of the following international payment systems: VISA International, MasterCard International, American Express, China Union Pay, Diners Club, etc. It also supports the maintenance of local payment systems and other non-payment instruments.

Hardware

HSM
Hardware security modules (HSMs) provide encryption processing and protection for the keys and applications that underlie your critical security processes. Thales HSMs are easy to integrate with your systems and applications. They are also flexible and scalable. That means they can meet your evolving encryption and compliance needs.
Smart POS Terminals
Smart POS terminals allow you to process payments on the spot, only printing receipts when needed, and best of all, access to all the useful apps you need to help you accelerate your business.
Credit Card Machines
A wide range of payment card machines including countertop, mobile, and portable solutions. Launched on Linux or traditional operational systems.
Consulting

Banks face an imminent need to upgrade their payments infrastructure.

Rising end-user expectations, alternative payment networks, and evolving developments such as the UK’s New Payments Architecture, RTGS renewal for higher value payments, and increased adoption of the ISO 20022 standard, driven by governments, central banks, regulators, or banks’ networks, compel these upgrades.

Compelled by competitive and disruptive forces, it would be shrewd for banks to take this opportunity to build payments platforms grounded in the future.

Compelled by competitive and disruptive forces, it would be shrewd for banks to take this opportunity to build payments platforms grounded in the future.

Infusing innovations like cloud, digital currency, biometric authentication, and AI into these platforms will enable modern, compliant, and more secure payments that meet buyers’ expectations.

We assist banks in modernising their payments platforms. By going higher and doing more, they can create efficient clearing and settlement systems that enable open, innovative, and secure payments experiences.

About Us
QCB was founded in 2018. Today, our main activity is the development of software for managing the fleet of POS terminals and routing transactions.

We are experts in acquiring and payments, operating as a Terminal Service Provider (TSP) in the EU. We provide outsourcing services for acquiring networks in different countries and consulting for organisations engaged in acquiring activities.

Within our TSP activities in the EU, QCB annually meets the compliance requirements of the PCI DSS Level 1 international standards and the Visa PIN Security certification.

Core banking solutions for comprehensive management of daily banking operations
Technical and business consultations for companies engaged in acquiring activities
Development of solutions for alternative transactional systems
Acquiring network
outsourcing