NTT DATA Payment Services: Secure, Scalable, and Comprehensive Gateway Solution

NTT DATA Payment Services is a global leader in providing complete payment solutions for businesses of all sizes. As part of the NTT DATA Group’s strategic acquisition of Atom Technologies and GHL Systems, this platform serves as a single, future-ready payments infrastructure. It is designed for both online and offline commerce in India and other important Asian markets.

What Is NTT DATA Payment Services?

NTT DATA Payment Services, previously called Atom Technologies, offers a payment gateway solution that simplifies digital payments. Its services cover various channels and technologies, making it a trusted partner for businesses that need secure, fast, and smooth transactions.

As a PCI DSS-certified organization, the provider ensures the safe handling of sensitive cardholder data. It uses strong encryption methods and fraud prevention tools while fully complying with regulations.

Key Features and Capabilities

1. Multi‑Channel Payment Acceptance

NTT DATA Payment Services enables merchants to accept payments through over 100 methods, including:

• Credit and Debit Cards: Visa, MasterCard, Rupay, Diners, Maestro

• Net Banking: Integrated with 50+ major Indian banks

• UPI (Unified Payments Interface)

• Bharat QR and QR code-based acceptance

• Mobile Wallets

• EMI Options

• Payment Links

• IVR Payments

• POS Terminals

This extensive portfolio ensures businesses can serve a wide array of customer preferences, both online and offline.

2. Flexible Integration Options

NTT DATA Payment Services supports a range of integration models to suit different business needs:

• Hosted Payment Gateway: Redirects customers to a secure hosted page for transactions. This is ideal for quick integration and simplified compliance.

• API-Based Integration: Offers complete customization and control over the payment experience, suitable for businesses seeking a seamless checkout process.

• Direct Post/Self-Hosted: Keeps the payment flow entirely on the merchant’s website, offering brand continuity while maintaining transaction security.

• Mobile SDK: Enables native mobile application payment integration for iOS and Android platforms.

• Bharat QR: Supports QR-based payments, ideal for physical stores, deliveries, and remote billing.

3. Robust Security Infrastructure

Security is at the core of NTT DATA Payment Services’ value proposition:

• PCI DSS and PA-DSS certified

• Advanced fraud detection tools

• AES-128 encryption

• Tokenization and data masking

• OTP-based authentication

• Third-party validation support for sensitive industries

• Zero card data storage policy

These features work together to protect businesses and customers from fraud, chargebacks, and unauthorized access.

4. High Performance and Reliability

The payment gateway is built for reliability and scale, offering:

• High transaction success rates

• Intelligent routing to reduce payment failures

• Low downtime with redundant infrastructure

• Real-time transaction processing

• Instant and scheduled settlements

Businesses benefit from operational continuity and consistent customer experience.

5. Advanced Reporting and Analytics

NTT DATA Payment Services provides a powerful merchant dashboard with features such as:

• Real-time transaction tracking

• Success and failure rate analytics

• Refund and chargeback management

• Settlement reconciliation

• Customer behavior insights

• Downloadable reports for financial audits and business planning

These insights empower businesses to optimize payment operations and improve customer satisfaction.

Industry-Specific Solutions

E-commerce and Retail

For online businesses, NTT DATA Payment Services offers:

• Fast checkout experiences

• Payment button and plugin integration for popular platforms

• Multi-device compatibility

• Email and SMS-based payment links

• Coupon and voucher handling

Brick-and-mortar stores can leverage QR code and POS solutions to ensure quick and secure transactions at the counter or in the field.

Financial Services and Stock Broking

NTT DATA Payment Services is equipped to handle high-volume, time-sensitive transactions for stock brokers and financial services providers. It supports:

• Real-time net banking

• Third-party validation

• Secure data exchange

• Seamless integration with back-office systems

Subscription-Based Businesses

Recurring billing is enabled through:

• Tokenized card storage

• Automated retry logic

• Renewal reminders and expiry notifications

• Billing cycle configuration

These features are ideal for SaaS, OTT, and membership-based businesses.

Education, Healthcare, Hospitality, and More

NTT DATA Payment Services customizes its solutions for:

• Educational institutions (tuition payments, admission fees)

• Hospitals and clinics (consultation and procedure billing)

• Travel and hospitality providers (ticketing, booking engines)

• Government services and utilities

This flexibility ensures a tailored payment experience regardless of industry.

ADAPTIS: Unified Payment Ecosystem

NTT DATA Payment Services is part of the ADAPTIS suite, an integrated payment ecosystem developed by NTT DATA. ADAPTIS brings together:

• In-store and online payments

• Lending and financing solutions

• Value-added services such as loyalty and rewards

• Business management tools

This allows merchants to scale seamlessly, access new markets, and manage payments from a unified platform.

Conclusion

NTT DATA Payment Services is more than just a payment gateway. It is a complete payments ecosystem designed for performance, trust, and growth. Whether you are starting an e-commerce store, managing a high-volume trading platform, or running a subscription business, this solution provides the flexibility, security, and reliability you need.

With strong integration options, solid support, and a focus on innovation, NTT DATA Payment Services is a future-ready partner for businesses working in the fast-changing world of digital commerce.