Processing & Switching
Connect transaction channels and payment schemes with configurable routing and processing for cards and account-to-account payments.
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Payments & Digital Commerce
BPC SmartVista
Connect banking, payments and everyday commerce.
BPC’s SmartVista platform supports payment processing, issuing, acquiring, real-time payments, digital banking, payment orchestration and omnichannel fraud management for banks, processors, fintechs and national payment ecosystems.
The business challenge
Why organisations consider this solution.
Payment organisations must connect many channels and schemes, process transactions in real time, launch new services quickly and control fraud without creating friction for legitimate customers.
Core capabilities
What BPC SmartVista
helps you do.
Issuing & Acquiring
Manage card and payment products for issuers, acquirers, processors, merchants and digital financial-service providers.
Real-Time Payments
Support incoming and outgoing instant payments with scheme connectivity, configurable flows and integration to transaction banking systems.
Fraud Management
Apply rules, machine learning, behavioural profiling and case management to monitor transactions across channels in real time.
Reference architecture
See the actual
solution topology.
Orchestrate payment requests across channels, apply issuing or acquiring rules and assess fraud risk before authorising and routing each transaction. The diagram below shows the product's distinct operating model, data paths and enforcement or decision points.
Illustrative reference architecture — final design depends on the customer environment and vendor-supported integration pattern.
Example use cases
Apply the architecture
to a real scenario.
These examples explain the business purpose behind the architecture. Final scope, integrations and outcomes depend on your environment and implementation design.
01Card issuing
Authorise a card transaction
A customer taps a card and expects a secure decision in seconds across multiple systems.
- 1Receive and validate the request
- 2Apply account, card and fraud rules
- 3Route the approval and record settlement data
Expected resultA consistent real-time payment decision across physical and digital channels.
02Real-time payments
Orchestrate an instant transfer
A bank needs to connect customer channels to domestic payment rails and internal ledgers.
- 1Validate the payment instruction
- 2Route through the payment hub and switch
- 3Confirm status to both sender and recipient
Expected resultA resilient, traceable end-to-end instant payment flow.
03Omnichannel fraud
Detect unusual merchant behaviour
Risk signals are spread across card, e-commerce, mobile and POS activity.
- 1Profile activity across all channels
- 2Score each transaction in real time
- 3Challenge, decline or open a case
Expected resultBetter fraud control with a unified customer and merchant view.
Delivery path
From requirement
to production value.
The exact architecture depends on your environment, but the solution typically follows this practical operating flow.
Connect the ecosystem
Integrate banking systems, channels, merchants, processors and local or international payment schemes.
Orchestrate transactions
Validate, route and process each transaction according to the product, institution, scheme and customer journey.
Score risk in real time
Analyse transaction and customer behaviour, then approve, challenge, decline or escalate according to policy.
Operate and expand
Use central operations, reporting and configurable product capabilities to scale into new channels and markets.
Typical use cases
Where it fits.
- Card issuing and merchant acquiring
- National or institutional payment switching
- Instant and real-time payments
- Omnichannel payment fraud management
Expected outcomes
What success looks like.
- Connected payment experiences across channels
- Faster introduction of payment products
- Real-time fraud detection with fewer unnecessary declines
- Scalable processing for institutions and ecosystems
DLAB's role
Technology is only valuable
when it works in your environment.
DLAB helps customers evaluate the fit, define use cases, coordinate solution demonstrations and proofs of concept, plan deployment with the principal and local partners, and establish the support path for production.
Arrange a solution workshop