eMcREY Payment Gateway & EFT Switching

Overview

eMcREY offers a high-performance, flexible Payment Gateway and EFT Switching platform designed to power the modern digital economy. Whether you’re an online merchant, fintech, or enterprise, eMcREY enables seamless payment flows covering issuing, acquiring, transaction authorization, settlement, and reconciliation across local and international markets.

Key Features & Capabilities

1. Modular & Scalable Architecture

• Highly scalable for transaction volume growth, accommodating businesses from startups to global enterprises.

• Modular design allows firms to adopt specific components (issuing, acquiring, switching) or a full-stack solution based on their needs.

2. Dual-Mode Issuing & Acquiring

• Full support for card issuing (debit, credit, prepaid) and merchant acquiring through one unified system.

• Enables businesses and banks to issue payment products and process merchant transactions via a centralized platform.

3. EFT Switching

• Robust EFT Switch engine to route, authorize, manage, and switch transactions among banks, acquirers, processors, and networks.

• Compatible with standard financial messaging protocols, enabling interoperability with card networks and interbank switches.

4. Authorization & Routing Engine

• Supports real-time authorization, transaction routing, validation, and switching based on custom business logic.

• Enables dynamic routing between acquirers or processors and supports integration with loyalty or risk scoring engines.

5. Settlement, Reconciliation & Dispute Handling

• Built-in settlement and reconciliation modules streamline batch processing and funds distribution.

• Integrated dispute and chargeback management features simplify compliance and reduce operational friction.

6. Fraud, AML & Risk Management

• Embedded fraud prevention, AML screening, and transaction risk scoring tools help detect and prevent payment abuse.

• Includes real-time filters, velocity controls, and behavior profiling to address chargebacks and evolving fraud trends.

7. Tokenization & Mobile Payments Readiness

• Supports tokenized payments, NFC, and mobile wallet integrations for contactless and in-app transactions.

• Ideal for SoftPOS, digital wallets, mobile commerce, and secure browser-based payments.

8. Open Banking & Non-Card Payments

• Enables Open Banking capabilities, Banking-as-a-Service models, and integrations with SWIFT, IPS, and RTGS systems.

• Supports QR-code payments, bank transfers, e-wallets, and non-card rails, expanding reach beyond traditional card networks.

9. Deployment Flexibility & Compliance

• Available in both on-premise and cloud (SaaS) deployment models to meet various IT and regulatory requirements.

• Fully compliant with PCI DSS, EMV, and local regulatory standards; validated by major card networks.

10. Back-Office & Middleware Integrations

• Seamless integration with enterprise systems such as ERPs, CRMs, and middleware through APIs and standard connectors.

• Offers back-office capabilities like detailed reporting, KPI dashboards, audit logs, and job schedulers.

Who Should Choose eMcREY

• Regional banks and fintechs looking for a unified system to issue cards and acquire merchants

• Digital merchants and PSPs that need real-time transaction authorization, risk scoring, and routing flexibility

• Public transit systems and city services seeking to deploy open-loop payment acceptance and integrated back-office tools

• Enterprises replacing legacy EFT switching systems with modern, API-ready infrastructure

• Government and development programs distributing financial aid through compliant, traceable channels

Technology Stack & Certifications

• ISO 8583-compliant EFT switch engine with routing and session management

• Token vault for secure, network-compliant tokenization and mobile transaction handling

• Customizable fraud and AML rules engine with blacklists, velocity checks, and behavioral scoring

• API-first design for integration with mobile apps, websites, ERP systems, and third-party services

• Certified solutions under Visa Ready and Mastercard Engage partner programs

• Includes tools for issuing, reconciliation, SoftPOS, tokenization, and chargeback automation

Regional Presence & Support

• Headquartered in Riyadh, Saudi Arabia, with operational offices in Dubai, Cyprus, Lebanon, and Canada

• Active presence across the Middle East, Africa, Europe, and North America

• Supports clients operating in regulated markets with strong localization and compliance services

Implementation & Support Services

• Full project support from discovery to go-live, including deployment, integration, and training

• Tailored configurations to meet local compliance, settlement rules, and currency requirements

• Post-implementation services including upgrades, maintenance, and SLA-driven support

• Enables smooth migration from legacy platforms and accelerates time-to-market for new products

Why eMcREY Stands Out

1. All-in-one solution for issuing, acquiring, switching, fraud prevention, and settlement

2. Flexible architecture adaptable to multiple payment use cases and market conditions

3. Recognized by global card schemes for compliance and ecosystem interoperability

4. Built for the future of payments — supports Open Banking, QR codes, SoftPOS, mobile commerce

5. Strong regional footprint for better support, faster delivery, and regulatory alignment

Real-World Use Cases

• A fintech startup launching a mobile wallet with tokenized cards and fraud controls

• A transit authority upgrading fare collection with open-loop contactless and QR payments

• A PSP managing dynamic routing between acquiring banks and overseeing dispute resolution

• A government agency delivering prepaid disbursement cards with full reconciliation oversight

• A telco bundling mobile payments and top-up features via a custom-branded e-wallet

Conclusion

For businesses seeking a secure, scalable, and modular payment infrastructure, eMcREY is a robust solution. Its powerful gateway and EFT switching capabilities serve diverse use cases — from card issuing and mobile payments to fraud mitigation and financial inclusion programs. Backed by global certifications and regional presence, eMcREY is ideal for businesses ready to modernize their payment systems and expand across geographies.