ARKOS

Payment Acceptance Framework

Arkos is a universal payment acceptance framework.

Arkos simplifies secure electronic transactions acceptance whatever the context and the constraints (operational, environment, system architecture, platforms, devices).

Leveraging the Arkos framework allows Amadis to build any EMV L3 payment acceptation solution with a minimum number of adaptations, reducing costs and risks for clients.

The Arrkos framework conforms to nexo standards, ISO 20022 for card transactions, EMV, and payment networks specifications.

Targeted
Users &
Applications

Acquirers, Processors, Gateway operators, Payment networks, Retailers, Vendors (Terminal Manufacturers)

Retail, Transit, Petrol, Vending, Travel, Hospitality, Banking, Healthcare

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Pros

Benefits

01.

Open

Arkos allows full interoperability with external systems by removing unnecessary dependencies. It natively supports universal protocols and standards for the interfaces between Acquirer, TMS and Sales Systems.

02.

Agnostic

Arkos is defined at a global level so that there is no hypothesis made on the type of merchants using it, the type of platforms running it, the surrounding physical architectures, and the business andregulatory contexts (technologies, regions, security schemes, business processes, …)

03.

Secure

Arkos is compliant with PCI requirements and leverages on PCI-PTS to reduce the PCI-DSS scope and cost.

04.

Extensible

Arkos offers a flexible architecture and a set of open interfaces that ease the development from the simplest payment systems to the most complex server-based payment systems.

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Technical Specification

Specs

Environment

Card Present (Attended, Unattended, Kiosk, MPOS...)
Card Absent (MO/TO, Virtual Terminal)

Terminal Types

Classic POS, Smart POS, mPOS

Payment Services

Payment, Refund, Cancellation, Pre-authorization, Cashback, Cash Advance, Deferred Payment...

Additional services: Currency Conversion, Split Payment, Recurring, Tip, Aggregation, Merchant Instalment, Issuer Instalment, Voice Authorization, Card Acquisition, Loyalty

Technologies

Contact, Contactless, Magnetic Stripe

Key Benefits

Accept payments whatever the context and the constraints with a minimum of adaptations and by reducing costs and risks.

TargetedUsers &Applications