PaySphere — our Open Platform for Partners
With over 25 years of experience, PaySphere was developed for self-service right from the start. The sophisticated role and permission model enables technical and commercial NSPs, payment institutions, acquirers and retailers, among others, to work independently with the permissions granted in each case.
With our own terminal application in accordance with the NEXO standards, we offer a complete solution that is perfectly integrated into PaySphere. We don't know anyone who offers such a broad package of services and hardware.
This is what PaySphere offers
PaySphere consists of two components that are very closely interlinked: transaction processing and master data management.
Transaction processing is expected to work in the background and to never fail. That is why it runs in parallel in three data centers in Germany. The system is based on IoT technology and can be scaled as required without much effort.
Master data management is relevant for the user because it represents the interface to PaySphere. We have incorporated our many years of experience to implement all processes as simply as possible. In addition to the graphical user interface “LUI”, all information is also available via an API (“LAPI”).
girocard processing
LAVEGO is one of the most experienced girocard NSPs in Germany. Since 1997, we have been processing the girocard in all possible variants in our own infrastructure.
Credit- and debit card processing
We are connected to a variety of external so-called acquirers. Acquirers process cards issued by the international payment systems such as Mastercard, Visa, American Express, Discover/ Diners Club, JCB or UPI.
Processing of diesel- and fleet cards
As a result of our involvement with gas stations, we also offer billing for many diesel and fleet cards. Examples include DKV, UTA, Novofleet, Roadrunner, Routex.
We provide this service in the form of a Fleet card gateway also for other network operators who do not have the necessary software.
Commercial NSPs
Internationally, commercial network service providers (in Germany: KNB) are also referred to as “ISO” (Independent Sales Organization). We provide KNB with our infrastructure and approvals, which are used independently by the partners.
Technical NSPs
PaySphere was designed in such a way that licensed girocard NSPs can also work with their own tenant and keys on PaySphere - in parallel with LAVEGO. The entire platform is multi-client capable.
Credit card gateway
PaySphere also offers processing of transactions outside the girocard system. Terminal IDs other than the areas provided for the girocard can also be used and terminal IDs can be dynamically mapped.
Integration of other domestic schemes
Only 8 of the 27 countries in the EU run their own national payment scheme. In Germany, this is the girocard, in France Cartes Bancaires or in Italy Pago Bankomat. We are working on being able to process other domestic schemes in addition to the girocard. The internationally recognized NEXO standards (which we fully support) helps us with this.
PaySphere as an open platform
PaySphere was developed from scratch in such a way that all partners involved in card payments can work independently. This includes technical and commercial girocard NSPs, acquirers of international and domestic schemes, payment and e-money institutions, retailers, branches etc.
Own development
We developed PaySphere ourselves from the ground up with over 25 years of experience. We work with PaySphere ourselves and are constantly improving the solution. We are independent of third parties; all know-how is in-house.
Own data centers
PaySphere runs in our three data centers in Germany. All of them are certified for girocard and PCI-DSS. No one has access to your and our data. There is no “vendor lock-in” - if necessary, we can even move during operation.
Flexible permissions and role management
We do not follow a top-down approach (a user sees everything that is below him in the hierarchy), but a sophisticated permission and role management. External service providers can, for example, be integrated in such a way that they work for various retailers and a commercial network operator.
Integrated audit trails
We ourselves and most of our partners must meet a variety of compliance requirements. Every action within PaySphere is therefore recorded in an audit trail and displayed within the graphical user interface.
Dynamic EMV configuration
Hundreds of settings define which cards are accepted at the terminal and how it should behave. These settings are combined to form the so-called EMV configuration. We work with dynamic EMV configurations, which are created individually for each terminal and automatically downloaded to the terminal when changes are made.
Perfect integration of your own terminal application
The providers of POS terminals represented in Germany must connect them to 17 girocard NSPs, which is complex, expensive and prone to errors.
Our NEXO standards based payment application, developed by LAVEGO itself has been optimised for use on PaySphere and is constantly being further developed by us. Feel free to send us suggestions for improvement!
Dynamic mapping and virtual
Terminal IDs
Precisely defined terminal IDs (TID) are provided for the girocard. PaySphere can also map TIDs from other areas dynamically and based on various criteria payments to virtual TIDs.
How can we help you?
Do you have any questions about our products or services? May we make you an offer or do you need support for a project? Contact us!