• Electronic processing of credit cards, debit cards, gift/loyalty cards, ACH (wire-transfer) / E-check and electronic benefits transfer/food stamps (EBT)
• Retail, Mobile / Wireless, E-Commerce, Mail and Telephone Order electronic payment processing with state-of-the-art performance, reliability, security and privacy
• Widely certified with major U.S. payment processors and banks
• Lower cost of ownership
• High reliability and outstanding performance
• Easy to integrate Web Services API and platform-independent SDK
• Strong security; Meets VISA CISP requirements
• Patent-pending Virtual Terminal supports peripheral devices like PIN-pads, check readers, etc.
• Easy upgrading, deployment and administration

Security and Privacy

SPS is committed to being secure by design, secure by default, and secure in deployment. SPS protects your payment processing environment as well as safeguarding the privacy of your customers with:

• Strong encryption: Strong Triple DES encryption and asymmetric PKI to protect your sensitive data.
• Compliance with VISA CISP: SPS is compliant with the VISA’s Cardholder Information Security Program and does not store any sensitive data as outlined in the CISP guidelines.
• Multiple layers of security: Supports multiple layers of access. control /authentication methods using both form authentication and Kerberos.
• Two factor authentication: Supports two factors authentication using Smart Card.
• System wide IP filtering: Supports IP filtering across the whole system.
• User-based IP filtering: Supports IP filtering based on each individual user in addition to the system wide IP filtering.
• SSL: Supports SSL with the strongest key length to protect all traffics to and from the payment server.
• Clustering security: SPS clustering supports Kerberos authentication against the back end database and supports Internet Protocol security (IPSec) between all the servers in the cluster and the database.
• Instant alerts: Detects intrusion attempts and immediately alerts administrators via email or SMS/pager.
• Role-based security: SPS supports role-based security using ASP.NET
• Elimination of buffer overflow exploits: SPS is built using managed .NET code and eliminates many forms of buffer overflow exploits (the majority of Internet security threats out there).
• Real-time blocking of intrusion attempts: When an intrusion is detected, the payment server can automatically block all traffic from that particular IP address to thwart the attacks.
• Country blocking: Ability to block traffic based on the incoming IP address’ country of origin. You can grant access to a super-user (who has access to reports and refunds, etc.) to come in only from a trusted country, and assign a user with limited functionalities (who can only perform credit card authorization, etc.) to allow shopping carts from any country except those on your black list.
• Privacy protection in web services and browser-based virtual terminals: All sensitive data such as card number, expiration date, etc. are masked on the receipt as well as the report.

Reliability and Scalability

SPS is built for enhanced reliability and scalability of the IT environment. These capabilities include:

• Certified for Windows Server 2003: SPS has passed stringent compliance testing requirements on reliability, security and maintainability set by Microsoft in their Application Specification for Windows Server 2003.
• High Scalability: You can increase the SPS cluster’s computing power by simply adding more processors or nodes. This allows you to start small and scale up or out on demand. SPS supports TPI Software Load Balancer, Windows Network Load Balancing or an external load balancer. SPS supports an unlimited number of nodes, thus eliminating the need for expensive hardware to handle heavy traffic loads.
• High Availability: Multiple SPS nodes can be clustered together to achieve very high availability and eliminate single point-of-failure. Transaction processing can be distributed over more than one SPS node to achieve a degree of parallelism and failure recovery, providing more availability. SPS supports TPI Software's Load Balancer, which automatically redirects traffics to failover to the next available node. Windows NLB, Microsoft Cluster Service, external hardware load balancers are also all supported.
• Automatic error reporting: SPS can automatically alert the system administrator when a critical system error occurs.
• Automatic memory management: SPS is built using .NET and has eliminated memory leak and buffer overrun issues.
• Automatically eliminate deadlocked process: SPS supports automatic ASP.NET process recycling to eliminate the possibility of memory being consumed by deadlocked processes.
• Supports database replication: SPS database supports real time and offline replication to achieve high availability at the data tier.

Performance

Consolidate and centralize your payment processing servers and realize a greater return on your IT investments with the performance gains in SmartPayments™ Payment Server.

• Industry grade performance: SPS is multithreaded to provide a highly scalable solution that can scale to support millions of transactions per hour.
• Parallel processing using clustering technology: SPS supports parallel processing using clusters with multiple nodes.
• Separation of OLTP and OLAP: SPS separates the transaction processing database from the report database, thus allowing fine tuning of the database backend to achieve even higher performance at the data tier.

Manageability

• Browser-based management console: SPS provides a powerful browser-based management console, allowing you to manage the server, merchants’ accounts, and users remotely. 
• Flexible logging: SPS supports flexible logging and error reporting. Real time events can be logged to console, rolling file, Windows Event Log, database, SMTP mail server, MSMQ, UDP datagrams multicast and SNMP.
• Web based Report: Web based reporting engine provides easy auditing and transaction analysis.
• XML report and data export: SPS supports data export to delimited format or XML format.
• Web Service report API: SPS provides a powerful set of report API through Web Services.

Extensibility

• Flexible: By using industry standard transport protocols, such as XML and SOAP, SmartPayments™ Server can be used in virtually any environment.
• Extendable: By using the SmartPayments™ Server SDK, businesses can easily integrate their existing applications into the SmartPayments™ Server.
• Integration: SPS has already integrated into over 150 shopping cart solutions for ecommerce. SPS has also been integrated into many retail POS applications.
• Standard protocols: SPS can accept payments from any device over a LAN, WAN, VPN, Wireless and the Internet using standard TCP/IP transport.
• Modular Architecture: SPS is built using modular architecture which allows data and application logic to be distributed across multiple servers (or even multiple datacenters). A distributed network implementation creates an application that can handle a virtually unlimited transaction load at 99.99% uptime.
• Syndication: Syndication support allows resellers to private-label SPS as their own custom solution.

Cost Effectiveness

• Eliminate costly recurring gateway fees: SmartPayments™ Server is a secure alternative for businesses to process ePayment transactions via the Internet without the extra costs of using a third party gateway.
• Eliminate costly proprietary hardware: Using integrated POS application, mobile phone or browser-based terminals, merchants can now process transactions at any time, from anywhere, and using any device.
• Support virtually any network: SPS uses standard TCP/IP network and supports virtually any network. SPS can leverage your existing broadband connection, wireless phone line or traditional land line.
• Consolidate phone lines: SPS allow you to consolidate multiple phone lines used for multiple hardware terminals into one line and save on costly monthly phone line and minutes usages.

Support of All Major Payment Methods

• Supports credit cards, debit cards, gift/loyalty cards and electronic benefits transfer/food stamps (EBT).
• Supports electronic check services, including verification, guarantee, conversion, eCheck, ACH (wire-transfer) and image capture / retrieval.
• Supports signature capture and retrieval.