PowerCARD-Merchant is an optimum tool intended to Merchants acquirers and payment gateway processors for the management of traditional and virtual Merchants. PowerCARD-Merchant provides a robust and extremely rich set of functionalities for the acquiring and accounting management of an acquiring institution (including telecom operators network).

PowerCARD-Merchant is a comprehensive merchant acquiring and merchant account management solution. The acquiring consists of authorization processing, routing, risk management, transaction management and merchant settlement. The rich functionality of PowerCARD enables to accept e-transactions in a full multi-currency environment. It enables cross border acquiring as well.

The PowerCARD system maintains a rich merchant database built on multi level : chains, merchants outlets and point of sales.

The PowerCARD system provides a full range of acquiring functions:

	Data capture: on-line real time or batch load,
	Management of merchant contracts: contract printing, etc.
	Management of different types of addresses, including temporary addresses,
	Follow-up of the outlets' equipment, including POS inventory, etc.
	Management of merchant's complaints, including automatic action allocation, etc.
	Monitoring of merchant's behaviour: deposit monitoring, charge back activities, etc.
	Settlement with merchant: multi level settlement, multi currency, etc.
	Calculating merchants commissions: dynamic rates according to interchange indicators, etc.
	Calculating merchants fees: large and flexible fees generation module, etc.

The openness of PowerCARD enables the system to handle several multi-currency merchant accounts, to communicate in multi-lingual mode according to merchant preferences for statements, letters, etc.

By interfacing with our Payment Gateway, PowerCARD has the capability to process transactions coming from different channels like Internet, Mobile phones, etc.