QPay Processor Core¶

For issuers that want to have full control of the card brand relationship or anyone that wants to become a Issuer Processor QPay offers the means to do it so. QPay abstracts the integration with the card network and the integration with the embosser. This way, the processor only needs to homologate its BINs and worry about managing its services to the Issuers. The card networks protocols are already integrated with QPay, this way the processor can operate on a higher level of Business with less concerns to technical details.

The business model to those working with the QPay Processor Core can vary depending on its needs. It can be used by a Issuer to provide Issuer Processing Services to itself, it also can be used for BIN Sponsoring or it can be used purely as a processor serving another Issuers.

Processor flows on QPay¶

From onboarding to B2B¶

sequenceDiagram

    actor Processor
    participant QPay
    participant Network as Card Network
    participant Issuer

    Processor->>QPay: Requests User
    QPay-->>Processor: User credentials

    Processor->QPay: Integrate QPay Processor Core
    QPay-->>Processor: Integration Complete


    loop For each New BIN

        Processor->>Network: Establish relationship
        Network-->>Processor: BIN guidelines

        Processor->QPay: Register BIN, Template and Layout
        QPay-->Processor: Template created

        Processor->Network: Homologate BIN
        Network-->Processor: Homologation completed

    end

    loop For each new Issuer

        Issuer->>Processor: Request User
        Processor->>QPay: Create User Account
        QPay-->>Processor: User Created
        Processor-->>Issuer: User Credentials

    end