FSS - Electronic Payments and End to End and Integrated Payment Solutions

FSS, Financial Software and Systems, is a global leader in electronic payments and provides end to end and integrated payment solutions for financial institutions, processors and retailers.

Our comprehensive range of products and services spans across payment channels such as ATM, POS, internet and mobile and provides organisations, offering more choices and channels to grow their businesses.

Areas of expertise include:

  • Transaction switching and authorisation
  • ATM deployment and managed services
  • Switch, terminals, network infrastructure management
  • Card management system for debit, prepaid and smart cards
  • Reconciliation and settlement
  • Internet and mobile payments
  • Merchant management
  • Financial inclusion and micro banking
  • Risk and fraud management

Products and services are delivered through two business lines - FSSTechnologies and FSSNeT.


FSSTechnologies is a software solutions and services business, offering a comprehensive range of software products and services.

Key products offered include a card management system that supports authorisation issuance and management of debit, prepaid and smart cards; a reconciliation suite; merchant acquisition and payments; mobile banking and payments and financial inclusion-based products.

All products run on standard industry platforms and help banks and financial institutions deliver convenience, ease of use, security and access to their end customers.

FSSTechnologies' portfolio features a diverse range of on-site and off-site services, including systems integration, offshore development, project management and implementation, testing and certification, application testing, online technical support and a 24x7 global helpdesk.

FSSTechnologies' delivery model follows globally-proven standards and processes.


FSSNeT is the payments processing and managed services business and provides hosted payment transaction processing services across delivery channels such as ATMs, POS, internet and mobile, and is one of the largest independent payments processors.

FSSNeT services include transaction switching and interchange connectivity, end to end ATM deployment and management, merchant management, card issuance and management, financial inclusion and micro-banking, internet and mobile payments and a range of value added services.

FSSNeT provides banks with many advantages, including low upfront investments, low transaction cost and optimum use of systems with maximum uptime, by utilising FSSNeT's ready-to-go EFT switching and support services infrastructure. Leading banks rely on FSSNeT services such as ATM driving, authorisation, settlement reporting and ATM sharing.

System integration: speed, scale and skills

FSS System Integration Services help clients hand complex growth challenges, scale up their payments eco-system and take advantage of new market opportunities.

FSS System Integration Services are switch-agnostic and support integration of FSS products for card, merchant, reconciliation and channel specific solutions for ATM, POS, internet, mobile and financial inclusion across multiple switches.

The SI team with multiswitch expertise has proven capability for handling complex system integration, migration and upgrade projects for leading banks across the globe.

The team also offers services in the areas of EMV and PCI / PA-DSS compliance activities.

World-class payment infrastructure

FSS has created a robust payments infrastructure consisting of end-to-end payment processing components hosted in a certified Tier 3 standard data centre, along with an integrated disaster recovery infrastructure.

The FSS Payments Infrastructure provides support to many global customers. The facility is backed by highly skilled, certified professionals specialising in multiplatform and payment technology to provide world-class technical support to our customers.

Some key products and services

FSS ~ ATM Monitor: A comprehensive, secure and modular solution that includes ATM health monitoring, cash position monitoring, cash management and multidevice management with a flexible rule engine.

FSS Card Management System: The FSS robust card management platform provides complete card lifecycle management solutions for debit, prepaid and smart chip cards and supports all card types, including magnetic-stripe, EMV™ chip and virtual cards.

FSS RECON: Enables comprehensive reconciliation between distributed / centralised host logs, switch files, interchanges and ATM electronic journals.

FSS Mobile Pay: Comprehensive, ready to deploy mobile payment solutions for retail banking customers to transact anytime, anywhere.

FSS Prepaid: A comprehensive, scalable and end to end prepaid card management system that supports a variety of card products, including open-loop and closed-loop prepaid card services on magnetic stripe, EMV™ card and virtual cards.

Contact Details

FSS Technologies (UK) limited
Iveco House
Station Road
Watford, WD17 IDL
United Kingdom
+44 1923 884 241
+44 1923 381058
FSS office locations

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