ERP for Acquirers

B-Cephal proposes a suite of applications dedicated to support Commercial Acquiring players:

  • Scheme funding reconciliation
  • Merchant payout
  • Merchant billing
  • Merchant collection
  • Accounting & End of month closing
  • Internal reporting & Analytics
  • Merchant reporting

A non-invasive solution rapidly integrating data from multiple data sources: core systems, CRM, native scheme clearing & settlement files, processor files,…

Function 1 : Scheme funding

  • Clearing & settlement reconciliation
  • Settlement and financial movement reconciliation
  • Liquidity management

Function 2 : Merchant payout

  • Merchant pricing management (IC++, blended,..)
  • Merchant settlement (net, gross, pseudo gross,…)
  • Merchant exception handling (no transaction, …) 
  • Merchant payout reconciliation with financial movement

Function 3 : Billing, collection & End of month closing

  • Merchant billing
  • Funding accounting movements
  • Merchant payout accounting movements
  • End of month closing

Server & client environment 

  • Require following components
    • ETL Server (Java)
    • Core B-Cephal server (Java)
    • Billing module (Java)
    • Reconciliation module (Java)
    • Messenger module (Java)
    • B-Cephal client (.net)
  • Installation available on site or in SaaS mode

Technical DB

  • The default DB is PostgreSQL


  • Multi user 
    • Native authentication and log in function
    • Possibility to integrate corporate Single Sign On protocol
  • Archive and purge
    • Native archive function to schedule DB back-up
    • Native purge function to reduce DB size without impacting business operations

Merchant acquirer Case


ATM acquirer Case


BIN sponsor Case


See all modules

Clearing & Settlement Reconciliation

Payment Reconciliation

Scheme Cost Analytics

ERP for Acquirers

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