Major processors
Support for all major processing centres of leading payment systems.
JoinPSP · Payment pre-processingMore connections.
More connections.
More possibilities
for payments.
Accept payments through multiple processing centres. Connect terminals, apps and websites in a payment architecture that fits your business.
Developed by MST Company · Part of the Join ecosystem
Pre-processingJoinPSP
Payment architectureMultiple processors
Terminal · App · WebsitePayment form integration channels
Multiple processing centresRoom to grow your payment network
JoinPSP + JoinPAYPre-processing and payment analytics
Key benefitsYour connections.
Your connections.
Your growth strategy.
JoinPSP gives you freedom to choose services, work with providers and build the commercial model for your payment network.
The role of JoinPSPFrom the payment point.
From the payment point.
To processing centres.
Select a channel to see where JoinPSP fits in the payment workflow. This diagram explains the interaction; integration details are defined for each project.
TerminalPayments wherever
Payments wherever
your customers are.
Embed a payment form in your terminal workflow. JoinPSP enables payment acceptance and connections to multiple processing centres.
Goods and services at the payment point
Terminal networkPayment form
Interaction↕
JoinPSP
Pre-processing
↙Processor connections↘
Processor 01Processing centre
Processor 02Processing centre
AppA payment workflow.
A payment workflow.
Inside your app.
The JoinPSP payment form can be integrated into a mobile app. Payment methods and connections to processing centres are defined during solution design.
Mobile channel payments
Mobile appPayment form
Interaction↕
JoinPSP
Pre-processing
↙Processor connections↘
Processor 01Processing centre
Processor 02Processing centre
WebsiteFrom product selection
From product selection
to payment.
Add a payment form to your website for goods and service invoices. Define the required workflow, payment channels and processing connections together.
Goods and service invoices
WebsitePayment form
Interaction↕
JoinPSP
Pre-processing
↙Processor connections↘
Processor 01Processing centre
Processor 02Processing centre
Services and commercial modelYour services.
Your services.
Direct connections
to providers.
Work with national providers through direct gateways. Create direct gateways to regional companies and add your own services.
Manage pricing independently. Build a service mix for your business without mandatory bundles.
Discuss your services →National providers
Support for direct gateways to national service providers.
Regional companies
Create direct gateways to regional service providers.
Your own services
Add services and manage pricing independently.
More context in every paymentPayment information.
Payment information.
With data from
your business.
JoinPSP can be used in acquiring payments, enriching payment information with additional data.
Define the data your workflow needs. This gives payment interactions the context your business requires.
Discuss data requirements →
Transaction foundationPayment information
+
Additional data
Defined by your integration workflow.
JoinPSPA payment with business context
JoinPSP + JoinPAYPayments go through.
Payments go through.
Insights stay with you.
Integrated with JoinPSP pre-processing, the JoinPAY merchant portal becomes a tool for comprehensive analytics of cash and cashless transaction flows.
Use data to understand payments and make business development decisions. We will agree the reporting and analytics scope for your project.
Explore JoinPAY ↗
CashlessTransaction flow
CashTransaction flow
Payment data
JoinPAYMerchant portal
The complete transaction picture
Illustration of the role of analytics, not an interface screenshot.
For your projectWhen your payment network
When your payment network
becomes more complex.
We will discuss JoinPSP in the context of your infrastructure, payment participants and customer interaction channels.
Developing payment
acceptance
You need multiple processors, direct provider gateways and independent pricing management.
Discuss connections →Payments wherever
where customers need it
You need a payment form on a terminal, in a mobile app or on a website, with requirements for each workflow.
Explore channels →See more than
a completed payment
You need to analyse cash and cashless transaction flows using JoinPSP and JoinPAY together.
Explore the connection →
Interaction within the platformJoinPSP connects
JoinPSP connects
your payment ecosystem.
From devices and bank processing to transaction storage, business applications and JoinPAY customer services.
Channels and devices
Web interface↔
Self-service kiosks↔
Mobile devices · SoftPOS↔
POS terminals · Validators↔
QR payments↔
JoinTMSPOS terminal network management
↔
JoinPSPPre-processing
Payment acceptance
and payment interactions
External connections and data
↔Bank processing
↔Cloud servicesFiscalisation · BaaS and more
→Transaction storagePostgreSQL · MongoDB
↔ Component interaction
→ Transactions sent to storage
Transaction data
Transaction storage
PostgreSQL · MongoDB
JoinPAY platform layer
Business applications
Shared layer
↕
Business application APIBy industry
↕ JoinPAY B2C mobile app
Industry web modules
- Public transport ERP
- Cashless payments on board aircraft
- Online cash register · Acquiring · Internet acquiring
- Vending machines and kiosks
- Other businesses that need payments
JoinPAY platform servicesMobile app.
Mobile app.
The B2C customer experience.
App services connect to industry business application APIs. They form a separate customer layer in the platform diagram.
Interaction diagram based on MST Company materials. JoinPSP handles pre-processing; storage, business applications and B2C services are separate JoinPAY platform components.
From requirements to configurationLet’s start with your
Let’s start with your
payment architecture.
To prepare a meaningful proposal, we need to understand the participants, channels and project requirements.
Understand the task
Channels and devices, processing centres, service providers and your own services.
Agree the integration
Direct gateways, additional payment data, interaction interfaces and JoinPAY analytics.
Prepare a proposal
Solution scope, workload and launch approach based on agreed requirements.
Have an infrastructure diagram or technical specification?Let’s discuss it
The Join ecosystemFrom terminal applications
From terminal applications
to payment data.
Each product has a different role. Select the components for the right layer of your payment infrastructure.
Questions answeredA clear role.
A clear role.
A specific project.
We will help define where JoinPSP fits in your payment infrastructure.
What is JoinPSP pre-processing?+
It is a solution for payment acceptance and connections to multiple processing centres. This page explains its role in the payment architecture; specific connections and workflows are agreed for each project.
How does JoinPSP differ from JoinPAY?+
JoinPSP provides pre-processing and connections to processing centres. JoinPAY is a fintech platform with separate data, business application and customer service layers. Integrating the JoinPAY merchant portal with JoinPSP enables analysis of cash and cashless transaction flows.
Can the payment form be used on a website and in an app?+
Yes. The JoinPSP payment form can be integrated into terminals, mobile apps and websites. Requirements for each channel are defined during project preparation.
Which processing centres and providers are supported?+
JoinPSP supports all major processing centres of leading payment systems. It supports direct gateways to national providers and the creation of direct gateways to regional service providers. We will agree the connections for your project.
Can we add our own services?+
Yes. JoinPSP lets you add your own services, manage pricing independently and work without a mandatory service bundle.
Can additional data be sent with a payment?+
Yes. JoinPSP can enrich acquiring payment information with additional data. The data set is defined by your integration workflow.
What determines the project cost?+
An estimate requires details of payment channels, processing centres, integration and analytics needs. These let us define the workload and prepare a proposal.
Let’s discuss your needsConnect technology
Connect technology
with business plans.
Tell us about your payment network and processing centres. We will discuss how JoinPSP can fit into your architecture.
- 01Payment acceptance channels
- 02Current and planned processor connections
- 03Integration and analytics requirements
Loading the contact form…