AurusPay ®

Engage with consumers wherever, whenever and however.

AurusPay

AurusPay ® Advantage

One platform to handle all merchant transactions regardless of the channel, sales process or processor. PCI P2PE certified and patented secure payments platform with continuously maintained certification and compliance. Out-of-the-box integrations with industry-leading devices, systems and providers in the payments ecosystem provide the flexibility for the merchants to work with the best-in-class technology and partners.

Multi-Channel

Aurus Multi channel
  • Support for complex cross-channel use cases
  • Innovate with new consumer engagement
  • Accept payment on COTS devices

Multi-Channel

Regardless of where, how and when consumers want to engage with the merchant, we unify the payments processing into our single platform. Brick & mortar, mobile, eCommerce, consumer app, or call center channels are common channels that we support.

"Buy anywhere, Return anywhere", BOPIS, BORIS, BYOD and "Pay anyway", Order online, and curb-side pick-up are some of the sales process that we help merchants enable for their business.

Secure

Secure
  • Secure Transactions
  • PCI-DSS, PA-DSS, P2PE, SRC, 3DS 2.x, GDPR and CCPA compliance
  • PCI CPoC/MPoC

Secure

Secured with patented and industry compliant technology. We ensure that our PCI-DSS, PA-DSS, P2PE, GDPR and CCPA certifications are continuously up-to-date so the merchant can focus on innovation.

We are at the forefront of SRC & 3DS 2.x to provide better CNP security. Transmission of transaction data is secured using dedicated MPLS circuits into dedicated computing resources. 24x7 monitoring using industry-leading tools to detect transaction and network trends and anomalies.

Reliable and Scalable

Reliable and Scalable
  • Supporting your daily operations with plenty to spare
  • Grow your business, we can handle the growth
  • Scale with new breed of Vayu™ payments

Reliable and Scalable

Active-active, multiple rails and store-and-forward mechanisms are designed into our platform to achieve the reliability that is required for payments processing.

We built our platform for scalability from day one using world-class datacenters, dedicated network and computing resources sized for growth. Our engineering resources can be quickly mobilized to deliver feature functionality in compressed timelines.

Cost of Ownership

Cost of ownership
  • Predictable cost model
  • Lean cost of ownership
  • Payment without terminals

Cost of Ownership

We make the cost of ownership of payment processing as predictable and as lean as possible with our flat fees, buffet menu pricing, no per transaction fees, reduced operation cost and revenue optimization.

Interchange rates with processers are monitored and reviewed periodically to make recommendations how optimize processing costs. Any hardware required for the payments solution is passed through costs with no markup.

Innovative/Modern

Innovative/Modern
  • Provide consumers the best experience
  • Payments as competitive advantage
  • No wires/cable – go contactless on existing mobility devices

Innovative/Modern

We have worked with merchants to make their vision of their Store of the Future a reality. Innovation is second-nature to us as evidenced by the multiple patents we hold for our secure payments platform.

Alternative payments, multi-channel buying and returning processes, order ahead, curb-side pickup, and BYOD pump activation are some of the innovative payment processes and mechanisms we support with our platform.

Flexibility of Choice

Flexibility of Choice
  • Your choice of best-of-breed solutions
  • Be agile with your consumer experience
  • Repurpose any phone or tablet to accept payments

Flexibility of Choice

Merchants have the flexibility to choose best-of-breed solutions for their payment processing ecosystem with our platform. Our worldwide processor certifications, device agnostic approach, multi-lingual implementation and multiple out-of-the-box integrations with leading POS systems allow for this flexibility.

Our agile engineering team can quickly deliver customizations should it be necessary to extend the base product.

Ease of Migration

Ease of Migration
  • Quickly capitalize on new opportunities
  • Agility to leap frog competition
  • Existing integrations seamlessly transition to Vayu™

Ease of Migration

Migrating from one payment system to another could be complex and challenging. Our years of experience has honed our tools, processes and engagement teams to quickly and easily tackle the challenge.

POC emulators, no-touch installation process, dedicated onsite coordination resources and support and our focus on operational excellence are some of the facets that enable us to migrate merchants with ease.

Trusted Partner

Trusted Partner
  • Work with a seasoned partner
  • Advice backed by 20 yrs. of experience
  • Patents keep you out of PCI scope with Vayu™

Trusted Partner

Our 20 years of experience in the payments processing industry has allowed us to develop our payments expertise and have become a trusted partner to many merchants, processors and device manufacturers.

Merchants have looked to us for guidance and thought leadership. We engage our merchants in regular dialogs to better understand their needs and to help steer their payments processing strategy for competitive advantage.

Products

Aurus Shield

AurusShield
  • Secure transactions
  • Easy PCI, PCI-DSS, PA-DSS and P2PE compliance

Aurus Shield

Our technology limits the merchants' PCI scope to a minimum keeping the merchants' cost of compliance low. The consumers' payment information is processed in a patented and secure payments component.

We keep our PCI, PCI-DSS, PA-DSS and P2PE certification current to keep up with the latest industry specifications keeping the merchants' compliance up-to-date.

Aurus Vayu

Vayu
  • Repurpose existing mobility hardware to accept payments
  • Device agnostic – Use any Apple or Android device with SCRP

Vayu

Vayu™ Lite is CPoC-certified for Android devices making it the most versatile and convenient payment solution on the market. With Vayu™ Lite, businesses can complement traditional POS terminals by offering consumers additional choices for checkout. AurusPay® Vayu™ Lite is an avant-garde payment platform that allows enterprise merchants to repurpose existing mobility hardware. With Vayu™ Lite, businesses can accept all major contactless credit, Apple Pay, Google Pay and QR-code based wallets on phones or tablets with Android 10+ worldwide.

Vayu ™ Enterprise uses SCRP devices to accept Swipe/Tap/Scan with PIN making it a full P2PE implementation

Aurus Yantra

Vayu
  • Reduce Payment Testing Schedules
  • Increase Payment Testing Coverage

Aurus Yantra

Payment Test Automation easy to integrate with POS set ups

Pre-built test cases, which can be further configured

Integrated with Aurus Store place for transaction analysis

Supports automatic and manual modes of testing

USB Powered and Compact Rack mountable design

Very less wear and tear as the card mux hardware has no mechanical movements

Aurus DigitalSDK

Aurus DigitalSDK
  • Unified checkout experience
  • Platform and Technology agnostic

Aurus DigitalSDK

The Aurus Digital SDK is the conduit between the Merchant’s retail ecosystem and the AurusPay® X-Switch facilitating a multi-channel consumer checkout experience. It supports all retail scenarios with a multi-lingual interface and dynamic UI to accommodate specific branding and form-factors across payment terminals, mobile apps, and web browsers.

The merchant’s platform is kept out of the PCI scope with tokenization and two-factor authentication. Aurus Shield securely captures the consumer’s payment data and tokenizes it. Unified APIs and UI Components enable easy integration of Aurus Digital SDK across various merchant applications for different channels.

Aurus StorePlace

Aurus StorePlace
  • Make well-informed decisions quicker with centralized data
  • Know the status of your payment estate in real-time

Aurus StorePlace

StorePlace is a centralized portal to access all transactions in real-time regardless of channel or processor. Reconciliation of transactions becomes easy with centralized access to transactions and a 3-way reconciliation module for the treasury or finance departments.

Keeping track of the real-time status of devices in the merchants' estate is expedited by the Asset Software Lifecycle & State Management modules with reports showing device details throughout its lifecycle and configurable alerts for specific device events. Business decisions can be made quicker and more accurate with access to real-time transaction and estate data through StorePlace.

Aurus X-Switch

Aurus X-Switch
  • Flexibility to choose best-of-breed
  • Scalability for your growing business

Aurus X-Switch

The X-Switch is integrated and certified with multiple processors providing merchants the flexibility to choose the right processors to meet their needs worldwide. It is also device agnostic and is integrated to the leading payment devices giving the merchants the freedom to select best-in-class payment devices.

Regardless of the transaction channel - eCommerce, In-Store, Mobile, X-Switch unifies the payment processing into one dedicated payment infrastructure capable of scaling to meet the merchants' present and future payments processing needs.

Aurus PayGuard

Aurus PayGuard
  • Lower the risk of loss
  • Customizable loss prevention engine that learns

Aurus PayGuard

PayGuard lowers the merchants' fraud risks whilst lowering the cost of fraud prevention by employing a machine-learning based decision engine that learns as it is making decisions.

30+ out-of-the-box fraud rules makes it quick and easy to get started. Extensibility tools such as a rules workflow simulator enable merchants to enhance the decision engine to further improve loss prevention.

Aurus TokenVault

Aurus TokenVault
  • Protect consumer data
  • Reduce your PCI scope

Aurus TokenVault

Tokenization reduces the PCI scope for the merchant making PCI compliance easier and quicker to attain. Our token vault enables the merchants to run loyalty and CRM programmes without having to worry about storing sensitive consumer data.

Payment data is tokenized and stored securely in the token vault. The only data shared with the merchant is the token. The token can then be used in any merchant channel where the consumer engages with the merchant making the consumer multi-channel experience easy and secure.

Aurus AssetPulse

Aurus AssetPulse
  • Field maintenance made easy
  • Secure terminal diagnostics

Aurus AssetPulse

AssetPulse allows field personnel to quickly diagnose device issues through a self-diagnostic feature without exposing system level menu items and features. Quick determination of the payment device and the transaction health in the field is enabled with AssetPulse's monitoring feature.

Aurus eSetu

Aurus eSetu
  • A Unified Payments Platform for e-commerce
  • Enhanced frictionless consumer experience with Security & Fraud Prevention

Aurus eSetu

Aurus eSetu empowers online businesses by enabling secure, seamless payments across various channels like Website, Mobile App, OMS, IVR, and Customer Care. By leveraging tokenization and two-factor authentication, Aurus eSetu ensures the merchant ecosystem remains outside the scope of PCI compliance. Acting as a secure intermediary, it processes transactions efficiently while providing a frictionless consumer experience.

Aurus Quantum

Aurus Quantum
  • Real time Executive Dashboards for Transaction Insights
  • Provides a concise and comprehensive visual representation of key computing metrics and analytics

Aurus Quantum

Aurus Quantum offers merchants with advanced transaction monitoring dashboards that deliver real-time insights allowing for trend identification. Merchants can leverage these insights to make informed decisions, effectively tracking and analysing business performance and progress. The platform offers comprehensive analytics, including Sales Trends, Tender Share and Channel-Wise Reports, providing an in-depth view at market behaviour and customer interactions across multiple channels.