{"global":{"lastError":{},"locale":"en","locales":{"data":[{"id":"de","name":"Deutsch"},{"id":"en","name":"English"}],"loading":false,"error":false},"currency":{"id":49,"name":"EUR"},"currencies":{"data":[{"id":49,"name":"EUR"},{"id":124,"name":"RUB"},{"id":153,"name":"UAH"},{"id":155,"name":"USD"}],"loading":false,"error":false},"translations":{"company":{"role-vendor":{"_type":"localeString","en":"Vendor","ru":"Производитель"},"role-supplier":{"_type":"localeString","en":"Supplier","ru":"Поставщик"},"products-popover":{"_type":"localeString","en":"Products","de":"die produkte","ru":"Продукты"},"introduction-popover":{"en":"introduction","ru":"внедрения","_type":"localeString"},"partners-popover":{"en":"partners","ru":"партнеры","_type":"localeString"},"update-profile-button":{"ru":"Обновить профиль","_type":"localeString","en":"Update profile"},"read-more-button":{"ru":"Показать ещё","_type":"localeString","en":"Show more"},"hide-button":{"ru":"Скрыть","_type":"localeString","en":"Hide"},"user-implementations":{"ru":"Внедрения","_type":"localeString","en":"Deployments"},"categories":{"ru":"Компетенции","_type":"localeString","en":"Categories"},"description":{"ru":"Описание","_type":"localeString","en":"Description"},"role-user":{"en":"User","ru":"Пользователь","_type":"localeString"},"partnership-vendors":{"ru":"Партнерство с производителями","_type":"localeString","en":"Partnership with vendors"},"partnership-suppliers":{"_type":"localeString","en":"Partnership with suppliers","ru":"Партнерство с поставщиками"},"reference-bonus":{"ru":"Бонус за референс","_type":"localeString","en":"Bonus 4 reference"},"partner-status":{"_type":"localeString","en":"Partner status","ru":"Статус партнёра"},"country":{"_type":"localeString","en":"Country","ru":"Страна"},"partner-types":{"ru":"Типы партнеров","_type":"localeString","en":"Partner types"},"branch-popover":{"ru":"область деятельности","_type":"localeString","en":"branch"},"employees-popover":{"ru":"количество сотрудников","_type":"localeString","en":"number of employees"},"partnership-programme":{"en":"Partnership program","ru":"Партнерская программа","_type":"localeString"},"partner-discounts":{"en":"Partner discounts","ru":"Партнерские скидки","_type":"localeString"},"registered-discounts":{"ru":"Дополнительные преимущества за регистрацию сделки","_type":"localeString","en":"Additional benefits for registering a deal"},"additional-advantages":{"en":"Additional Benefits","ru":"Дополнительные преимущества","_type":"localeString"},"additional-requirements":{"en":"Partner level requirements","ru":"Требования к уровню партнера","_type":"localeString"},"certifications":{"_type":"localeString","en":"Certification of technical specialists","ru":"Сертификация технических специалистов"},"sales-plan":{"ru":"Годовой план продаж","_type":"localeString","en":"Annual Sales Plan"},"partners-vendors":{"ru":"Партнеры-производители","_type":"localeString","en":"Partners-vendors"},"partners-suppliers":{"_type":"localeString","en":"Partners-suppliers","ru":"Партнеры-поставщики"},"all-countries":{"ru":"Все страны","_type":"localeString","en":"All countries"},"supplied-products":{"_type":"localeString","en":"Supplied products","ru":"Поставляемые продукты"},"vendored-products":{"en":"Produced products","ru":"Производимые продукты","_type":"localeString"},"vendor-implementations":{"_type":"localeString","en":"Produced deployments","ru":"Производимые внедрения"},"supplier-implementations":{"ru":"Поставляемые внедрения","_type":"localeString","en":"Supplied deployments"},"show-all":{"ru":"Показать все","_type":"localeString","en":"Show all"},"not-yet-converted":{"ru":"Данные модерируются и вскоре будут опубликованы. Попробуйте повторить переход через некоторое время.","_type":"localeString","en":"Data is moderated and will be published soon. Please, try again later."},"schedule-event":{"_type":"localeString","en":"Events schedule","ru":"Pасписание событий"},"implementations":{"_type":"localeString","en":"Deployments","ru":"Внедрения"},"register":{"_type":"localeString","en":"Register","ru":"Регистрация "},"login":{"_type":"localeString","en":"Login","ru":"Вход"},"auth-message":{"en":"To view company events please log in or register on the sit.","ru":"Для просмотра ивентов компании авторизируйтесь или зарегистрируйтесь на сайт.","_type":"localeString"},"company-presentation":{"en":"Company presentation","ru":"Презентация компании","_type":"localeString"}},"header":{"help":{"_type":"localeString","en":"Help","de":"Hilfe","ru":"Помощь"},"how":{"en":"How does it works","de":"Wie funktioniert es","ru":"Как это работает","_type":"localeString"},"login":{"ru":"Вход","_type":"localeString","en":"Log in","de":"Einloggen"},"logout":{"ru":"Выйти","_type":"localeString","en":"Sign out"},"faq":{"ru":"FAQ","_type":"localeString","en":"FAQ","de":"FAQ"},"references":{"de":"References","ru":"Мои запросы","_type":"localeString","en":"Requests"},"solutions":{"ru":"Возможности","_type":"localeString","en":"Solutions"},"find-it-product":{"_type":"localeString","en":"Selection and comparison of IT product","ru":"Подбор и сравнение ИТ продукта"},"autoconfigurator":{"en":" Price calculator","ru":"Калькулятор цены","_type":"localeString"},"comparison-matrix":{"ru":"Матрица сравнения","_type":"localeString","en":"Comparison Matrix"},"roi-calculators":{"_type":"localeString","en":"ROI calculators","ru":"ROI калькуляторы"},"b4r":{"_type":"localeString","en":"Bonus for reference","ru":"Бонус за референс"},"business-booster":{"ru":"Развитие бизнеса","_type":"localeString","en":"Business boosting"},"catalogs":{"_type":"localeString","en":"Catalogs","ru":"Каталоги"},"products":{"ru":"Продукты","_type":"localeString","en":"Products"},"implementations":{"en":"Deployments","ru":"Внедрения","_type":"localeString"},"companies":{"en":"Companies","ru":"Компании","_type":"localeString"},"categories":{"_type":"localeString","en":"Categories","ru":"Категории"},"for-suppliers":{"ru":"Поставщикам","_type":"localeString","en":"For suppliers"},"blog":{"ru":"Блог","_type":"localeString","en":"Blog"},"agreements":{"_type":"localeString","en":"Deals","ru":"Сделки"},"my-account":{"en":"My account","ru":"Мой кабинет","_type":"localeString"},"register":{"ru":"Зарегистрироваться","_type":"localeString","en":"Register"},"comparison-deletion":{"ru":"Удаление","_type":"localeString","en":"Deletion"},"comparison-confirm":{"ru":"Подтвердите удаление","_type":"localeString","en":"Are you sure you want to delete"},"search-placeholder":{"ru":"Введите поисковый запрос","_type":"localeString","en":"Enter your search term"},"my-profile":{"ru":"Мои данные","_type":"localeString","en":"My profile"},"about":{"_type":"localeString","en":"About Us"},"it_catalogs":{"_type":"localeString","en":"IT catalogs"},"roi4presenter":{"_type":"localeString","en":"Roi4Presenter"},"roi4webinar":{"_type":"localeString","en":"Pitch Avatar"},"sub_it_catalogs":{"en":"Find IT product","_type":"localeString"},"sub_b4reference":{"en":"Get reference from user","_type":"localeString"},"sub_roi4presenter":{"en":"Make online presentations","_type":"localeString"},"sub_roi4webinar":{"en":"Create an avatar for the event","_type":"localeString"},"catalogs_new":{"_type":"localeString","en":"Products"},"b4reference":{"_type":"localeString","en":"Bonus4Reference"},"it_our_it_catalogs":{"_type":"localeString","en":"Our IT Catalogs"},"it_products":{"en":"Find and compare IT products","_type":"localeString"},"it_implementations":{"en":"Learn implementation reviews","_type":"localeString"},"it_companies":{"en":"Find vendor and company-supplier","_type":"localeString"},"it_categories":{"_type":"localeString","en":"Explore IT products by category"},"it_our_products":{"_type":"localeString","en":"Our Products"},"it_it_catalogs":{"_type":"localeString","en":"IT catalogs"}},"footer":{"copyright":{"de":"Alle rechte vorbehalten","ru":"Все права защищены","_type":"localeString","en":"All rights reserved"},"company":{"en":"My Company","de":"Über die Firma","ru":"О компании","_type":"localeString"},"about":{"ru":"О нас","_type":"localeString","en":"About us","de":"Über uns"},"infocenter":{"de":"Infocenter","ru":"Инфоцентр","_type":"localeString","en":"Infocenter"},"tariffs":{"de":"Tarife","ru":"Тарифы","_type":"localeString","en":"Subscriptions"},"contact":{"en":"Contact us","de":"Kontaktiere uns","ru":"Связаться с нами","_type":"localeString"},"marketplace":{"_type":"localeString","en":"Marketplace","de":"Marketplace","ru":"Marketplace"},"products":{"_type":"localeString","en":"Products","de":"Produkte","ru":"Продукты"},"compare":{"en":"Pick and compare","de":"Wähle und vergleiche","ru":"Подобрать и сравнить","_type":"localeString"},"calculate":{"de":"Kosten berechnen","ru":"Расчитать стоимость","_type":"localeString","en":"Calculate the cost"},"get_bonus":{"de":"Holen Sie sich einen Rabatt","ru":"Бонус за референс","_type":"localeString","en":"Bonus for reference"},"salestools":{"en":"Salestools","de":"Salestools","ru":"Salestools","_type":"localeString"},"automatization":{"_type":"localeString","en":"Settlement Automation","de":"Abwicklungsautomatisierung","ru":"Автоматизация расчетов"},"roi_calcs":{"de":"ROI-Rechner","ru":"ROI калькуляторы","_type":"localeString","en":"ROI calculators"},"matrix":{"en":"Comparison matrix","de":"Vergleichsmatrix","ru":"Матрица сравнения","_type":"localeString"},"b4r":{"_type":"localeString","en":"Rebate 4 Reference","de":"Rebate 4 Reference","ru":"Rebate 4 Reference"},"our_social":{"ru":"Наши социальные сети","_type":"localeString","en":"Our social networks","de":"Unsere sozialen Netzwerke"},"subscribe":{"de":"Melden Sie sich für den Newsletter an","ru":"Подпишитесь на рассылку","_type":"localeString","en":"Subscribe to newsletter"},"subscribe_info":{"en":"and be the first to know about promotions, new features and recent software reviews","ru":"и узнавайте первыми об акциях, новых возможностях и свежих обзорах софта","_type":"localeString"},"policy":{"ru":"Политика конфиденциальности","_type":"localeString","en":"Privacy Policy"},"user_agreement":{"ru":"Пользовательское соглашение ","_type":"localeString","en":"Agreement"},"solutions":{"ru":"Возможности","_type":"localeString","en":"Solutions"},"find":{"en":"Selection and comparison of IT product","ru":"Подбор и сравнение ИТ продукта","_type":"localeString"},"quote":{"ru":"Калькулятор цены","_type":"localeString","en":"Price calculator"},"boosting":{"ru":"Развитие бизнеса","_type":"localeString","en":"Business boosting"},"4vendors":{"en":"4 vendors","ru":"поставщикам","_type":"localeString"},"blog":{"_type":"localeString","en":"blog","ru":"блог"},"pay4content":{"_type":"localeString","en":"we pay for content","ru":"платим за контент"},"categories":{"_type":"localeString","en":"categories","ru":"категории"},"showForm":{"_type":"localeString","en":"Show form","ru":"Показать форму"},"subscribe__title":{"ru":"Раз в месяц мы отправляем дайджест актуальных новостей ИТ мира!","_type":"localeString","en":"We send a digest of actual news from the IT world once in a month!"},"subscribe__email-label":{"_type":"localeString","en":"Email","ru":"Email"},"subscribe__name-label":{"en":"Name","ru":"Имя","_type":"localeString"},"subscribe__required-message":{"ru":"Это поле обязательное","_type":"localeString","en":"This field is required"},"subscribe__notify-label":{"_type":"localeString","en":"Yes, please, notify me about news, events and propositions","ru":"Да, пожалуйста уведомляйте меня о новостях, событиях и предложениях"},"subscribe__agree-label":{"ru":"Подписываясь на рассылку, вы соглашаетесь с %TERMS% и %POLICY% и даете согласие на использование файлов cookie и передачу своих персональных данных*","_type":"localeString","en":"By subscribing to the newsletter, you agree to the %TERMS% and %POLICY% and agree to the use of cookies and the transfer of your personal data"},"subscribe__submit-label":{"ru":"Подписаться","_type":"localeString","en":"Subscribe"},"subscribe__email-message":{"_type":"localeString","en":"Please, enter the valid email","ru":"Пожалуйста, введите корректный адрес электронной почты"},"subscribe__email-placeholder":{"en":"username@gmail.com","ru":"username@gmail.com","_type":"localeString"},"subscribe__name-placeholder":{"_type":"localeString","en":"Last, first name","ru":"Имя Фамилия"},"subscribe__success":{"en":"You are successfully subscribed! Check you mailbox.","ru":"Вы успешно подписаны на рассылку. Проверьте свой почтовый ящик.","_type":"localeString"},"subscribe__error":{"_type":"localeString","en":"Subscription is unsuccessful. Please, try again later.","ru":"Не удалось оформить подписку. Пожалуйста, попробуйте позднее."},"roi4presenter":{"ru":"roi4presenter","_type":"localeString","en":"Roi4Presenter","de":"roi4presenter"},"it_catalogs":{"_type":"localeString","en":"IT catalogs"},"roi4webinar":{"en":"Pitch Avatar","_type":"localeString"},"b4reference":{"en":"Bonus4Reference","_type":"localeString"}},"breadcrumbs":{"home":{"ru":"Главная","_type":"localeString","en":"Home"},"companies":{"ru":"Компании","_type":"localeString","en":"Companies"},"products":{"ru":"Продукты","_type":"localeString","en":"Products"},"implementations":{"ru":"Внедрения","_type":"localeString","en":"Deployments"},"login":{"_type":"localeString","en":"Login","ru":"Вход"},"registration":{"ru":"Регистрация","_type":"localeString","en":"Registration"},"b2b-platform":{"ru":"Портал для покупателей, поставщиков и производителей ИТ","_type":"localeString","en":"B2B platform for IT buyers, vendors and suppliers"}},"comment-form":{"title":{"_type":"localeString","en":"Leave comment","ru":"Оставить комментарий"},"firstname":{"en":"First name","ru":"Имя","_type":"localeString"},"lastname":{"en":"Last name","ru":"Фамилия","_type":"localeString"},"company":{"ru":"Компания","_type":"localeString","en":"Company name"},"position":{"_type":"localeString","en":"Position","ru":"Должность"},"actual-cost":{"_type":"localeString","en":"Actual cost","ru":"Фактическая стоимость"},"received-roi":{"ru":"Полученный ROI","_type":"localeString","en":"Received ROI"},"saving-type":{"ru":"Тип экономии","_type":"localeString","en":"Saving type"},"comment":{"_type":"localeString","en":"Comment","ru":"Комментарий"},"your-rate":{"en":"Your rate","ru":"Ваша оценка","_type":"localeString"},"i-agree":{"en":"I agree","ru":"Я согласен","_type":"localeString"},"terms-of-use":{"en":"With user agreement and privacy policy","ru":"С пользовательским соглашением и политикой конфиденциальности","_type":"localeString"},"send":{"ru":"Отправить","_type":"localeString","en":"Send"},"required-message":{"ru":"{NAME} - это обязательное поле","_type":"localeString","en":"{NAME} is required filed"}},"maintenance":{"title":{"_type":"localeString","en":"Site under maintenance","ru":"На сайте проводятся технические работы"},"message":{"ru":"Спасибо за ваше понимание","_type":"localeString","en":"Thank you for your understanding"}}},"translationsStatus":{"company":"success"},"sections":{},"sectionsStatus":{},"pageMetaData":{"company":{"translatable_meta":[{"translations":{"en":"Company","ru":"Компания","_type":"localeString"},"name":"title"},{"name":"description","translations":{"ru":"Описание компании","_type":"localeString","en":"Company description"}},{"translations":{"ru":"Ключевые слова для компании","_type":"localeString","en":"Company keywords"},"name":"keywords"}],"title":{"_type":"localeString","en":"ROI4CIO: Company","ru":"ROI4CIO: Компания"},"meta":[{"name":"og:image","content":"https://roi4cio.com/fileadmin/templates/roi4cio/image/roi4cio-logobig.jpg"},{"name":"og:type","content":"website"}]}},"pageMetaDataStatus":{"company":"success"},"subscribeInProgress":false,"subscribeError":false},"auth":{"inProgress":false,"error":false,"checked":true,"initialized":false,"user":{},"role":null,"expires":null},"products":{"productsByAlias":{},"aliases":{},"links":{},"meta":{},"loading":false,"error":null,"useProductLoading":false,"sellProductLoading":false,"templatesById":{},"comparisonByTemplateId":{}},"filters":{"filterCriterias":{"loading":false,"error":null,"data":{"price":{"min":0,"max":6000},"users":{"loading":false,"error":null,"ids":[],"values":{}},"suppliers":{"loading":false,"error":null,"ids":[],"values":{}},"vendors":{"loading":false,"error":null,"ids":[],"values":{}},"roles":{"id":200,"title":"Roles","values":{"1":{"id":1,"title":"User","translationKey":"user"},"2":{"id":2,"title":"Supplier","translationKey":"supplier"},"3":{"id":3,"title":"Vendor","translationKey":"vendor"}}},"categories":{"flat":[],"tree":[]},"countries":{"loading":false,"error":null,"ids":[],"values":{}}}},"showAIFilter":false},"companies":{"companiesByAlias":{"optimus-fintech-inc":{"id":10818,"title":"Optimus Fintech Inc","logoURL":"https://old.roi4cio.com/uploads/roi/company/Optimus_fintech_Inc_1.jpg","alias":"optimus-fintech-inc","address":"1700 Montgomery St, San Francisco, California 94111","roles":[{"id":2,"type":"supplier"},{"id":3,"type":"vendor"}],"description":"<p>Optimus Fintech offers a comprehensive and technologically advanced solution for financial reconciliation, delivering accuracy, efficiency, scalability, customization, real-time insights, and security to businesses in the financial sector. It is an established organization, committed to providing AI-driven financial reconciliation solutions to industries like banking, insurance, retail, e-commerce, gaming platforms, and more.</p>","companyTypes":["supplier","vendor"],"products":{},"vendoredProductsCount":1,"suppliedProductsCount":1,"supplierImplementations":[],"vendorImplementations":[],"userImplementations":[],"userImplementationsCount":0,"supplierImplementationsCount":0,"vendorImplementationsCount":0,"vendorPartnersCount":0,"supplierPartnersCount":0,"b4r":0,"categories":{"164":{"id":164,"title":"Billing","description":"Billing is a complex set of programs that allows you to calculate the number of services provided, while the calculations are carried out in a variety of units of measurement. Services are charged and as a result, the client receives a ready invoice, which additionally takes into account all promotions and discounts. The billing covers three main functions: settlement operations, provision of information, financial services.\r\nTypes of billing:\r\n<ul><li>Convergent billing is a carrier-class subsystem that provides mutual settlements with the customer of any network and an arbitrary informative application.</li><li>Automatic billing is a broad definition, including a variety of phenomena: from bank statements to making a payment with a plastic card.</li><li>Deferred billing is called billing, in which the calculation is made on the basis of the calls made.</li><li>Using hot billing reduces the delay in debiting funds, i.e. the speed of interaction with the service provider increases.</li><li>Mobile billing (SMS billing) is a method of electronic payment, in which payment for services is made using a telephone.</li></ul>\r\nCurrency calculation unit between the bank and the world payment system is called the billing currency. When the billing currency is different from the currency of the account, automatic conversion of funds occurs at the bank exchange rate.","materialsDescription":" <span style=\"font-weight: bold;\">Billing tasks:</span>\r\nThe main task of the billing is to provide a full account to the subscriber, information about which is available in this billing network. The billing system is responsible for the transfer of funds from the client’s account to the organization’s account for the services provided.\r\nBilling systems allow complete accounting of each consumer’s account.\r\n<ul><li>revenues;</li><li>costs;</li><li>used services;</li><li>personal tariff plans;</li><li>the amount of funds on the balance sheet;</li><li>discounts and promotions;</li><li>other information of an informative plan.</li></ul>\r\nEffective billing is needed to save time for both operators and consumers. With all this, the billing system should be as transparent as possible, that is, the client must know exactly what services he uses and how much he pays for it. The billing system should be as simple and understandable as possible to consumers, but it should take into account all the parameters set by the service.\r\n<span style=\"font-weight: bold;\">Customer billing options:</span>\r\n<ul><li>automated calculation of the cost of services;</li><li>the ability to quickly receive services;</li><li>automatic debiting of funds (monthly fee and/or payment for services);</li><li> instant receipt of bill details;</li><li>the ability to receive timely information about new services, discounts and so on;</li><li>automatic crediting of bonuses and calculation of discounts.</li></ul>\r\nA properly functioning billing system provides an opportunity for employees of an organization using it to quickly receive information about the use of services and automatically invoice consumers. With the help of billing, it becomes easy to serve customers with bills and coupons, get a quick payment for services. The billing also produces an estimate of consumption, based on this information, the organization can draw conclusions about the demand for various types of services. Thanks to billing, providing clients with advertising information about new promotions, services, and tariffs is automated.\r\nMembers of the billing process:\r\n<ul><li>organizations that produce the necessary resources for the billing process - billing providers;</li><li>organizations that are the primary consumer of billing - cellular operators, Internet telephony operators, Internet providers, providers of digital television and so on;</li><li>ordinary users.</li></ul>","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/Billing1.png","alias":"billing"},"769":{"id":769,"title":"Payments processing","description":" Processing - data processing when making payments. Processing is divided into card processing and electronic payment processing. Is the card working? Is there enough money on it to make a payment? Can the card accept the transfer? Processing answers to all these questions. The same data transfer process that allows you to make a payment.\r\nProcessing centers are engaged in processing. It is thanks to the processing that payments are generally made. Plastic card processing allows you to make card payments: when you, for example, pay with a card in the supermarket through a terminal, it is card processing that is responsible for transferring money from your account to the store account. The main processing centers are owned by Visa and Mastercard. These centers operate 24/7, responsible for making payments worldwide.\r\nAcquiring is the process of accepting bank payments. Acquiring is divided into two broad areas: simply acquiring and Internet acquiring. Acquiring and processing are related. Before the payment is processed, someone must accept the data on the payment participants and transfer them to the processing center. This is acquiring.\r\nInternet acquiring is the reception of your payment card data when paying online. Here is the very moment when paying for purchases on the site you are asked to enter data. For online acquiring, your full card number, card expiration date, CVV code (a three-digit security code located on the back of the card) is required. As a rule, this data is enough to make an online payment.","materialsDescription":" <span style=\"font-weight: bold;\">What is acquiring?</span>\r\nAcquiring is the activity of a financial organization (bank or payment provider) in the processing of bank credit or debit cards, which is a sequence of procedures for checking the data entered by the cardholder, debiting funds from his account and crediting funds to the merchant account of the payee organization. Also called merchant acquiring.\r\n<span style=\"font-weight: bold;\">What is internet acquiring?</span>\r\nInternet acquiring is the implementation by the Payment Processing Clearing House of a sequence of cash transactions similar to merchant acquiring, but without identifying the signature of the cardholder and, as a result, with the possibility of canceling the payment &quot;on demand&quot; of the owner.\r\n<span style=\"font-weight: bold;\">Acquiring: tariffs and factors influencing them</span>\r\nThere are two types of acquiring: trading acquiring using POS-terminals, when the card is physically present, and its owner puts a signature on the check (payment marker “Card present”), and Internet acquiring when the card is missing and it is impossible to establish a face making payment (marker &quot;Card not present&quot;). The presence of a card marker in electronic banking transactions is an essential element that determines what kind of acquiring, tariffs, processing rules and opportunities for appeal and cancellation are made.\r\nTo protect cardholders from fraud, the “Card not present” payment processing procedure introduced the possibility of a simplified payment cancellation (Chargeback). In many cases, for this, it is enough for the Cardholder to call his bank and say that the goods were not delivered or the service was not provided properly.\r\nTo minimize the cases of “chargebacks”, VISA, MasterCard and other card regulators imposed strict sanctions on Merchants, which provide poor-quality services, in the form of fines for each case of payment cancellation. And the traders themselves were divided into classes of activity depending on the level of risk of the “chargeback”. Tariff grids have been created that define the basic commission depending on the “Merchant class”. The maximum allowable chargeback levels were also determined - for example, for VISA credit cards this is ~ 2%, and for MasterCard ~ 1%. Moreover, the regulators set a limit on these percentages not for the trading enterprises themselves, but for banks.\r\nIn addition, VISA and MasterCard divided the planet into special zones - acquiring cards of European residents in American processing will cost the recipient more than paying through a European processing or bank. This commission is called the &quot;Interchange rate&quot;. It is believed that it was created to “skim the cream” from online businesses that minimize costs through various offshore schemes.\r\n<span style=\"font-weight: bold;\">Internet acquiring and the issue of canceling payments</span>\r\nA strict restriction on the percentage of “chargebacks” led to the appearance of two types of payment processings specializing in reducing their number:\r\nThe first type is organizations that reduce the number of chargebacks by legal means. Such companies create call-centers for technical support, conduct site audits, logistics and business reorganization consulting. This type of processor is interesting when exceeding the maximum level of “chargebacks” is within 1%.\r\nThe second type is firms specializing in working with shadow businesses with high turnover and a return level of more than 4%. Working in tandem with banks, they arrange “carousels” of fake legal entities and, using delays in processing complaints, manage to withdraw money from accounts before the regulator prohibits transactions and blocks the held insurance interest “hold”. This is “black” acquiring, tariffs in such organizations, of course, are much higher.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Payments_processing.png","alias":"payments-processing"}},"companyUrl":"https://optimus.tech/","countryCodes":["USA"],"certifications":[],"isSeller":true,"isSupplier":true,"isVendor":true,"presenterCodeLng":"","seo":{"title":"Optimus Fintech Inc","keywords":"","description":"<p>Optimus Fintech offers a comprehensive and technologically advanced solution for financial reconciliation, delivering accuracy, efficiency, scalability, customization, real-time insights, and security to businesses in the financial sector. It is an establis","og:title":"Optimus Fintech Inc","og:description":"<p>Optimus Fintech offers a comprehensive and technologically advanced solution for financial reconciliation, delivering accuracy, efficiency, scalability, customization, real-time insights, and security to businesses in the financial sector. It is an establis","og:image":"https://old.roi4cio.com/uploads/roi/company/Optimus_fintech_Inc_1.jpg"},"eventUrl":"","vendorPartners":[],"supplierPartners":[],"vendoredProducts":[{"id":6938,"logoURL":"https://old.roi4cio.com/fileadmin/content/Optimus_fintech_Inc.jpg","logo":true,"scheme":false,"title":"Optimus Fintech","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"optimus-fintech","companyTitle":"Optimus Fintech Inc","companyTypes":["supplier","vendor"],"companyId":10818,"companyAlias":"optimus-fintech-inc","description":"Optimus Fintech is a cutting-edge software solution designed to streamline payment reconciliation and financial analytics for businesses. Leveraging advanced AI and automation, it simplifies complex financial processes, enhances accuracy, and reduces manual workloads. Optimus Fintech provides real-time insights through customizable dashboards, ensuring seamless tracking of transactions and reconciliation across multiple payment gateways. Its robust analytics capabilities offer actionable insights, aiding better decision-making. The platform’s scalability and integration flexibility make it ideal for businesses of all sizes. Additionally, its commitment to data security ensures compliance with global standards, making Optimus Fintech a reliable partner for modern financial operations.\r\n\r\n","shortDescription":"Optimus Fintech is an advanced financial management platform designed to streamline payment reconciliation, analytics, and automation.","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":0,"sellingCount":0,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"Optimus Fintech","keywords":"","description":"Optimus Fintech is a cutting-edge software solution designed to streamline payment reconciliation and financial analytics for businesses. Leveraging advanced AI and automation, it simplifies complex financial processes, enhances accuracy, and reduces manual wo","og:title":"Optimus Fintech","og:description":"Optimus Fintech is a cutting-edge software solution designed to streamline payment reconciliation and financial analytics for businesses. Leveraging advanced AI and automation, it simplifies complex financial processes, enhances accuracy, and reduces manual wo","og:image":"https://old.roi4cio.com/fileadmin/content/Optimus_fintech_Inc.jpg"},"eventUrl":"","translationId":6938,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":769,"title":"Payments processing","alias":"payments-processing","description":" Processing - data processing when making payments. Processing is divided into card processing and electronic payment processing. Is the card working? Is there enough money on it to make a payment? Can the card accept the transfer? Processing answers to all these questions. The same data transfer process that allows you to make a payment.\r\nProcessing centers are engaged in processing. It is thanks to the processing that payments are generally made. Plastic card processing allows you to make card payments: when you, for example, pay with a card in the supermarket through a terminal, it is card processing that is responsible for transferring money from your account to the store account. The main processing centers are owned by Visa and Mastercard. These centers operate 24/7, responsible for making payments worldwide.\r\nAcquiring is the process of accepting bank payments. Acquiring is divided into two broad areas: simply acquiring and Internet acquiring. Acquiring and processing are related. Before the payment is processed, someone must accept the data on the payment participants and transfer them to the processing center. This is acquiring.\r\nInternet acquiring is the reception of your payment card data when paying online. Here is the very moment when paying for purchases on the site you are asked to enter data. For online acquiring, your full card number, card expiration date, CVV code (a three-digit security code located on the back of the card) is required. As a rule, this data is enough to make an online payment.","materialsDescription":" <span style=\"font-weight: bold;\">What is acquiring?</span>\r\nAcquiring is the activity of a financial organization (bank or payment provider) in the processing of bank credit or debit cards, which is a sequence of procedures for checking the data entered by the cardholder, debiting funds from his account and crediting funds to the merchant account of the payee organization. Also called merchant acquiring.\r\n<span style=\"font-weight: bold;\">What is internet acquiring?</span>\r\nInternet acquiring is the implementation by the Payment Processing Clearing House of a sequence of cash transactions similar to merchant acquiring, but without identifying the signature of the cardholder and, as a result, with the possibility of canceling the payment &quot;on demand&quot; of the owner.\r\n<span style=\"font-weight: bold;\">Acquiring: tariffs and factors influencing them</span>\r\nThere are two types of acquiring: trading acquiring using POS-terminals, when the card is physically present, and its owner puts a signature on the check (payment marker “Card present”), and Internet acquiring when the card is missing and it is impossible to establish a face making payment (marker &quot;Card not present&quot;). The presence of a card marker in electronic banking transactions is an essential element that determines what kind of acquiring, tariffs, processing rules and opportunities for appeal and cancellation are made.\r\nTo protect cardholders from fraud, the “Card not present” payment processing procedure introduced the possibility of a simplified payment cancellation (Chargeback). In many cases, for this, it is enough for the Cardholder to call his bank and say that the goods were not delivered or the service was not provided properly.\r\nTo minimize the cases of “chargebacks”, VISA, MasterCard and other card regulators imposed strict sanctions on Merchants, which provide poor-quality services, in the form of fines for each case of payment cancellation. And the traders themselves were divided into classes of activity depending on the level of risk of the “chargeback”. Tariff grids have been created that define the basic commission depending on the “Merchant class”. The maximum allowable chargeback levels were also determined - for example, for VISA credit cards this is ~ 2%, and for MasterCard ~ 1%. Moreover, the regulators set a limit on these percentages not for the trading enterprises themselves, but for banks.\r\nIn addition, VISA and MasterCard divided the planet into special zones - acquiring cards of European residents in American processing will cost the recipient more than paying through a European processing or bank. This commission is called the &quot;Interchange rate&quot;. It is believed that it was created to “skim the cream” from online businesses that minimize costs through various offshore schemes.\r\n<span style=\"font-weight: bold;\">Internet acquiring and the issue of canceling payments</span>\r\nA strict restriction on the percentage of “chargebacks” led to the appearance of two types of payment processings specializing in reducing their number:\r\nThe first type is organizations that reduce the number of chargebacks by legal means. Such companies create call-centers for technical support, conduct site audits, logistics and business reorganization consulting. This type of processor is interesting when exceeding the maximum level of “chargebacks” is within 1%.\r\nThe second type is firms specializing in working with shadow businesses with high turnover and a return level of more than 4%. Working in tandem with banks, they arrange “carousels” of fake legal entities and, using delays in processing complaints, manage to withdraw money from accounts before the regulator prohibits transactions and blocks the held insurance interest “hold”. This is “black” acquiring, tariffs in such organizations, of course, are much higher.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Payments_processing.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]}],"suppliedProducts":[{"id":6938,"logoURL":"https://old.roi4cio.com/fileadmin/content/Optimus_fintech_Inc.jpg","logo":true,"scheme":false,"title":"Optimus Fintech","vendorVerified":0,"rating":"0.00","implementationsCount":0,"suppliersCount":0,"supplierPartnersCount":0,"alias":"optimus-fintech","companyTitle":"Optimus Fintech Inc","companyTypes":["supplier","vendor"],"companyId":10818,"companyAlias":"optimus-fintech-inc","description":"Optimus Fintech is a cutting-edge software solution designed to streamline payment reconciliation and financial analytics for businesses. Leveraging advanced AI and automation, it simplifies complex financial processes, enhances accuracy, and reduces manual workloads. Optimus Fintech provides real-time insights through customizable dashboards, ensuring seamless tracking of transactions and reconciliation across multiple payment gateways. Its robust analytics capabilities offer actionable insights, aiding better decision-making. The platform’s scalability and integration flexibility make it ideal for businesses of all sizes. Additionally, its commitment to data security ensures compliance with global standards, making Optimus Fintech a reliable partner for modern financial operations.\r\n\r\n","shortDescription":"Optimus Fintech is an advanced financial management platform designed to streamline payment reconciliation, analytics, and automation.","type":null,"isRoiCalculatorAvaliable":false,"isConfiguratorAvaliable":false,"bonus":100,"usingCount":0,"sellingCount":0,"discontinued":0,"rebateForPoc":0,"rebate":0,"seo":{"title":"Optimus Fintech","keywords":"","description":"Optimus Fintech is a cutting-edge software solution designed to streamline payment reconciliation and financial analytics for businesses. Leveraging advanced AI and automation, it simplifies complex financial processes, enhances accuracy, and reduces manual wo","og:title":"Optimus Fintech","og:description":"Optimus Fintech is a cutting-edge software solution designed to streamline payment reconciliation and financial analytics for businesses. Leveraging advanced AI and automation, it simplifies complex financial processes, enhances accuracy, and reduces manual wo","og:image":"https://old.roi4cio.com/fileadmin/content/Optimus_fintech_Inc.jpg"},"eventUrl":"","translationId":6938,"dealDetails":null,"roi":null,"price":null,"bonusForReference":null,"templateData":[],"testingArea":"","categories":[{"id":769,"title":"Payments processing","alias":"payments-processing","description":" Processing - data processing when making payments. Processing is divided into card processing and electronic payment processing. Is the card working? Is there enough money on it to make a payment? Can the card accept the transfer? Processing answers to all these questions. The same data transfer process that allows you to make a payment.\r\nProcessing centers are engaged in processing. It is thanks to the processing that payments are generally made. Plastic card processing allows you to make card payments: when you, for example, pay with a card in the supermarket through a terminal, it is card processing that is responsible for transferring money from your account to the store account. The main processing centers are owned by Visa and Mastercard. These centers operate 24/7, responsible for making payments worldwide.\r\nAcquiring is the process of accepting bank payments. Acquiring is divided into two broad areas: simply acquiring and Internet acquiring. Acquiring and processing are related. Before the payment is processed, someone must accept the data on the payment participants and transfer them to the processing center. This is acquiring.\r\nInternet acquiring is the reception of your payment card data when paying online. Here is the very moment when paying for purchases on the site you are asked to enter data. For online acquiring, your full card number, card expiration date, CVV code (a three-digit security code located on the back of the card) is required. As a rule, this data is enough to make an online payment.","materialsDescription":" <span style=\"font-weight: bold;\">What is acquiring?</span>\r\nAcquiring is the activity of a financial organization (bank or payment provider) in the processing of bank credit or debit cards, which is a sequence of procedures for checking the data entered by the cardholder, debiting funds from his account and crediting funds to the merchant account of the payee organization. Also called merchant acquiring.\r\n<span style=\"font-weight: bold;\">What is internet acquiring?</span>\r\nInternet acquiring is the implementation by the Payment Processing Clearing House of a sequence of cash transactions similar to merchant acquiring, but without identifying the signature of the cardholder and, as a result, with the possibility of canceling the payment &quot;on demand&quot; of the owner.\r\n<span style=\"font-weight: bold;\">Acquiring: tariffs and factors influencing them</span>\r\nThere are two types of acquiring: trading acquiring using POS-terminals, when the card is physically present, and its owner puts a signature on the check (payment marker “Card present”), and Internet acquiring when the card is missing and it is impossible to establish a face making payment (marker &quot;Card not present&quot;). The presence of a card marker in electronic banking transactions is an essential element that determines what kind of acquiring, tariffs, processing rules and opportunities for appeal and cancellation are made.\r\nTo protect cardholders from fraud, the “Card not present” payment processing procedure introduced the possibility of a simplified payment cancellation (Chargeback). In many cases, for this, it is enough for the Cardholder to call his bank and say that the goods were not delivered or the service was not provided properly.\r\nTo minimize the cases of “chargebacks”, VISA, MasterCard and other card regulators imposed strict sanctions on Merchants, which provide poor-quality services, in the form of fines for each case of payment cancellation. And the traders themselves were divided into classes of activity depending on the level of risk of the “chargeback”. Tariff grids have been created that define the basic commission depending on the “Merchant class”. The maximum allowable chargeback levels were also determined - for example, for VISA credit cards this is ~ 2%, and for MasterCard ~ 1%. Moreover, the regulators set a limit on these percentages not for the trading enterprises themselves, but for banks.\r\nIn addition, VISA and MasterCard divided the planet into special zones - acquiring cards of European residents in American processing will cost the recipient more than paying through a European processing or bank. This commission is called the &quot;Interchange rate&quot;. It is believed that it was created to “skim the cream” from online businesses that minimize costs through various offshore schemes.\r\n<span style=\"font-weight: bold;\">Internet acquiring and the issue of canceling payments</span>\r\nA strict restriction on the percentage of “chargebacks” led to the appearance of two types of payment processings specializing in reducing their number:\r\nThe first type is organizations that reduce the number of chargebacks by legal means. Such companies create call-centers for technical support, conduct site audits, logistics and business reorganization consulting. This type of processor is interesting when exceeding the maximum level of “chargebacks” is within 1%.\r\nThe second type is firms specializing in working with shadow businesses with high turnover and a return level of more than 4%. Working in tandem with banks, they arrange “carousels” of fake legal entities and, using delays in processing complaints, manage to withdraw money from accounts before the regulator prohibits transactions and blocks the held insurance interest “hold”. This is “black” acquiring, tariffs in such organizations, of course, are much higher.","iconURL":"https://old.roi4cio.com/fileadmin/user_upload/icon_Payments_processing.png"}],"characteristics":[],"concurentProducts":[],"jobRoles":[],"organizationalFeatures":[],"complementaryCategories":[],"solutions":[],"materials":[],"useCases":[],"best_practices":[],"values":[],"implementations":[]}],"partnershipProgramme":null}},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"implementations":{"implementationsByAlias":{},"aliases":{},"links":{},"meta":{},"loading":false,"error":null},"agreements":{"agreementById":{},"ids":{},"links":{},"meta":{},"loading":false,"error":null},"comparison":{"loading":false,"error":false,"templatesById":{},"comparisonByTemplateId":{},"products":[],"selectedTemplateId":null},"presentation":{"type":null,"company":{},"products":[],"partners":[],"formData":{},"dataLoading":false,"dataError":false,"loading":false,"error":false},"catalogsGlobal":{"subMenuItemTitle":""}}