PROCESSING INFRASTRUCTURE
The Intelligent Core
of Modern Payment Infrastructure.
Built for the speed of modern payments.
Octra brings processing, orchestration, routing, settlement, fraud intelligence and tokenization together within a single cloud-native infrastructure layer. Designed for modern financial institutions, it provides the performance, scalability and resilience needed to support payment ecosystems operating at global scale.
Built Different
From Legacy Processing
Modern infrastructure without yesterday’s limitations.
Many legacy payment processors were built to support an era of batch processing, overnight settlement files, scheduled maintenance windows, and fixed capacity constraints. While they continue to perform essential functions, they often limit the speed, flexibility and scalability required by modern payment ecosystems.
Octra designs differently. Its cloud-native architecture enables elastic scaling, active-active geo-redundancy and continuous availability, allowing institutions to adapt to changing transaction volumes without compromising performance or resilience.
Legacy Processing
Batch-based
Scheduled maintenance
Fixed capacity
Multiple intermediaries
Octra Processing
Real-time
Elastic scaling
Active-active architecture
Direct scheme connectivity
Processing Capabilities
Engineered for performance, resilience and scale.
Real-Time Authorisation
Sub-100ms response times at enterprise transaction volumes.
Flexible
Processing Models
Support for both dual-message and single-message transaction environments.
Cloud-Native Architecture
Elastic scaling and active-active geo-redundant deployment.
99.99% Availability
Designed for continuous operation with no planned maintenance downtime.
Clearing & Settlement
Automated clearing across connected acquirers, schemes and card programmes.
Flexible Settlement Paths
Configurable T+0 to T+1 settlement models for programmes requiring faster access to funds.
Multi-Currency Processing
Real-time processing and settlement management across multiple operating currencies.
Real-Time Transaction Events
Immediate API access to transaction data for reconciliation, reporting and operational visibility.
Direct Scheme Connectivity
Fewer intermediaries. Greater efficiency.
With direct connection to VISA and Mastercard, we enable authorisation, clearing and settlement messages with one fewer intermediary in the transaction chain. This creates a structural advantage that can improve performance, reduce complexity and support more efficient payment operations.