Our secure payment and withdrawal authorization network operates 24/7, with very high resilience and 99.999% availability. It supports CB and international card schemes (Visa, Mastercard, etc.).
Card Network
Used daily by millions of consumers to withdraw cash, make in-store purchases, pay online or via mobile both in France and internationally, our network is the benchmark platform for processing CB, Diners Club, JCB, Mastercard and Visa card transactions in France.
Our card network routes authorization requests and responses, round the clock, 365 days a year.
These operations comply with extremely strict security protocols, including the use of secure applications or digitally signed and sealed responses.
To support our clients’ transactions abroad, our network is connected to gateways with the international card schemes.
Card System Partners
Routing
Our network supports 3 different routing methods:
- Issuer routing based on PAN ranges
- Acquirer routing, which uses the destinations defined by the Acquirer
- Technical routing, linked to a transport BIN
We can process 37 different transaction types, including client-specific transactions for private use, to meet the full range of card processing needs.
Our routing tables are designed to support all major card schemes, including, of course, token-based routing: CB, Mastercard, Visa…
Routing is governed by rules that ensure service continuity through load balancing and fallback mechanisms.
Issuer Services
- Two routing options: by cardholder number or by recipient (transport BIN)
- Positive routing: only predefined transactions are routed (for international flows)
- Ability to configure custom or temporary routing rules per issuer (e.g. CAR routing)
- Support for load balancing or nominal/backup routing rules
- Servers can activate backup routes on demand
- Internal network timing managed by recipient
- Large-capacity routing table
- Preservation of server responses
- Issuer activity and availability reports for each connected environment
Acquirer Services
- Acquirer verification (ensures the requesting bank is authorized to access the service)
- Transaction integrity validation (request/response matching)
- Guaranteed response returned to requester
- Option for substitute destination routing for acquirers
- Acquirer activity reports for each connected environment
Connection Services
- Dual IP-VPN access providers network operators, with support for SDSL or OF
- 3DES encryption managed by e-RSB on access networks
- IP traffic distribution and IP backup activation handled transparently for users
- Response timing negotiation for both requester and server applications
- Option of out-of-band data flows beyond e-RSB routing (via EFES service)
- Activity and availability reports for each connected environment