Service Guide
The CLOWD9 platform delivers a number of discrete services to facilitate payment transactions.
Depending upon your use case and requirement your product may utilise one or more of these services.
CLOWD9 operational status for these services is available on the CLOWD9 Service Status page of the main website.
| Service Name | Description | Audience |
|---|---|---|
| 3D Secure | An online payment security protocol designed to reduce fraud and enhance security for card transactions made over the internet. | Program Managers |
| On Ledger | An On Ledger configuration is where the CLOWD9 platform acts as the financial system of record (the accounting ledger) and makes the final financial decision whether an authorisation request should be approved or not. The CLOWD9 Ledger holds account balance and available balance and financial transactional information. | Program Managers |
| Off Ledger | An Off Ledger configuration is where a 3rd party platform acts as the financial system of record (the accounting ledger) and makes the final financial decision whether an authorisation request should be approved or not. The 3rd party platform is deemed to be the ledger, holding account balance and available balance and financial transactional information. Account lifecycle and authorisation request/response and messages must be routed between CLOWD9 and the 3rd party platform. | Program Managers |
| Dynamic Data Stream | Dynamic Data Stream (DDS) is the set of messages that form the basis for an Off Ledger interface | Program Managers |
| DPAY Tokenisation | The CLOWD9 DPay solution, provides functionality to tokenize a Virtual and/or Physical Primary Account Number (PAN) via the Schemes and Wallet Providers, such as Apple Pay and Google Pay. | Program Managers |
| Secure Frame Work | CLOWD9 Secure Frame Work supports the transmission of sensitive card information such as the Primary Account Number (PAN), Expiry Date and 3 digit Card Verification Value (CVV) from the CLOWD9 platform to the end user securely. Using the Secure Frame Work solution means that all of the data is encrypted and can only be decrypted by the end users application. | Program Managers |
| Card Bureau and Fulfilment | CLOWD9 supports a number of different personalisation card bureaus to facilitate personalising and preparing physical payment cards, identification cards (or similar) for distribution to your end users. | Program Managers |
| Sandbox | The3 CLOWD9 sandbox is a controlled environment where your developers can test code, APIs, or integrations without impacting live systems. | Program Managers |
| Fraud and Transaction Monitoring | The default Transaction Monitoring solution offered by CLOWD9 will allow you to track, analyse, and manage payment transactions as they occur against predetermined rules. The Transaction Monitoring tool’s primary goal is to identify and prevent potential fraudulent activity and to maintain compliance with regulatory requirements. | Issuers Program Managers |
| Mastercard | Mastercard is a payment scheme which operates a payment processing network, facilitating electronic funds transfers worldwide. Mastercard works with financial institutions to issue and acquire transactions made on Mastercard branded credit, debit, and prepaid cards. | Issuers Program Managers |
| Visa | Visa is a payment scheme which operates a payment processing network, facilitating electronic funds transfers worldwide. Visa works with financial institutions to issue and acquire transactions made on Visa branded credit, debit, and prepaid cards. | Issuers Program Managers |
| Discover | Discover is a payment scheme which operates a payment processing network, facilitating electronic funds transfers worldwide. Discover works with financial institutions to issue and acquire transactions made on Discover branded credit, debit, and prepaid cards. | Issuers Program Managers |
Updated 26 days ago
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