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4 Biggest Roadblocks to Cryptocurrency-enablement & How To Overcome Them Have you heard the news? Cryptocurrency is becoming mainstream. There’s no doubt about it. All the […]

Testing and Automation   Author: Georges Lteif   The Role of Testing and Automation In this article, we will discuss the role of automation and what […]

EFTLab was founded on February 14, 2011 in London, UK to fill a gap in the market by providing much needed innovative software solutions for the […]

In financial cryptography and PCI standards, a Key Block is an encrypted key stored with its metadata in a cryptographically secure way. That means that the […]

Payments legacy – ISO8583, APACS, SPDH Differing standards across European countries have made it difficult and costly for retailers to adopt a centralised approach to credit […]

EFTlab’s BP-Node Payment Gateway/ Switch product passed again PA-DSS validation and is listed as PA-DSS (PA-DSS v3.2) compliant by the PCI Security Council on 6th November 2017. Certification […]

In response to EFTlab’s customer needs, we are bringing an official support for the most required platforms. BP-Sim platform and our portfolio of BP-Tools supports and […]

These days we are all looking for faster routes to market for our software solutions but the overriding factor for those of us working in payment […]

BP-Node is a Tier 1 banking switch capable of sustained processing of over 2000TPS. BP-Node has been designed and written in a state-less, message-driven architecture. At the […]

Introduction Secure memory in payment systems is one of the most important PA:DSS and PCI:DSS topics. While any device involved in payment transaction processing needs to […]

EMV Issuer scripts allow the Issuer to update and change parameters and values on the card chip whilst it is live in the field. This means […]

Introduction This tutorial brigs a example steps to be taken to display data on Zabbix. Zabbix is the ultimate enterprise-level software designed for real-time monitoring of millions […]

Our new set of free tools (BP-Tools) is really multiplatform. BP-Tools supports and runs on operating systems based on Debian Linux, Microsoft OS higher than Vista […]

The Transaction Protocol Data Unit (TPDU) is an old-school packet-based protocol designed for transaction-oriented applications. On the OSI model it stands between Transport Layer (e.g. X.25, […]

Payment switches and the surrounding infrastructure are usually considered critical systems, where any failure involving data loss or down-time can result in lost revenue, lost customers, […]

ApplePay has introduced the concept of tokenisation, as it applies to card-based transactions, to mainstream audiences. Friends that had never heard of tokenisation prior to ApplePay […]

BP-Switch is now officially launched; if you’ve missed our previous announcements BP-Switch is the latest addition to the Babylon Payments family providing realtime and batch transaction […]

Heartbleed bug seemed to shake world of security, but what about core banking? All EMV is based on RSA certificates (X.509) being employed for SDA, DDA […]

It has now been 5 years since EFTlab wrote the first line of code for the Babylon Payments product line. This is a good opportunity to […]

Should you do it or not? Virtualization is a decoupling of logical servers from physical hardware. It has many advantages, a few disadvantages, but how does […]

This article has been written to provide a brief introduction to fee calculation, the impact on transaction processing and of settlement handling. Often we work in […]

This article has been written to provide a brief introduction to cardholder verification with EMV and the challenges posed by different verification methods. One objective of […]

One of the least explored areas of EMV lays in initial stages of terminal to card communication. A card lodges a data message in its memory […]

The technology that lies behind EMV both contact and NFC transactions is to some extent a black box that just does what it does and when […]

Details Written by Veronika Bilek During the last couple of months I have attended payment conferences all over the world and they all had one hot […]

Details I have been providing EMV training since EMV’s inception in the late 1990’s. One of the things that has always been a problem is getting […]

Hardware Security Module or HSM are at the hearts of the payment industry providing cryptographic functions to support network and point-to-point data security, while the complexity […]

How regulation opposes tide of in-house processing deployment. Let’s ignore the payment industry for a moment; think about life outside the payment industry. Software purchasing has […]

NYSE and CME – big names in Stock Exchange world; Google, Facebook, Amazon – the three most successful Internet companies. Brazil, Germany, China – some of […]

The migration to EMV started on the 1st of May 1997, when the first transactions in the world took place in a canteen in Basildon, Essex, east […]

What you get out of this article depends a lot on who you are, what previous exposure you’ve had to EMV, its adoption outside of the […]

In light of the upcoming year end, and the associated increased sales for merchants, it is a good time to consider one of the most critical issues in […]

The end of 2012 is fast approaching and our payment systems are soon to enter their annual freeze period. Many of us are looking forward to […]

The discussions regarding the EMV migration in the US are ongoing and I did realize that NFC technology is sometimes thought of being a replacement technology […]

One of the less discussed topic within NFC implementation might be one of the most serious. Bringing customers an easy and cheap option to pay even […]

One of the least explored areas of EMV lays in initial stages of terminal to card communication. A card lodges a data message in its memory […]