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 […]
An Introduction to TR-31 and Thales Key Blocks
An Introduction to TR-31 and Thales Key Blocks
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 […]
Nexo standards and importance of ISO20022
Nexo standards and importance of ISO20022
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 […]
BP-Node is PA:DSS v3.2 Compliant
BP-Node is PA:DSS v3.2 Compliant
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 […]
BP-Tools and BP-Sim now on RHEL
BP-Tools and BP-Sim now on RHEL
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 […]
Extending Your Payment System
Extending Your Payment System
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 Message Bus and System-wideTracing and Monitoring
BP-Node Message Bus and System-wideTracing and Monitoring
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 […]
Secure memory in payment systems
Secure memory in payment systems
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 and how do they work
EMV Issuer scripts and how do they work
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 […]
Statistics and monitoring with Zabbix
Statistics and monitoring with Zabbix
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 […]
BP-Tools is Multiplatform
BP-Tools is Multiplatform
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 […]
TPDU – The Transaction Protocol Data Unit
TPDU – The Transaction Protocol Data Unit
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, […]
Monitoring and Disaster Recovery for Payment Switches
Monitoring and Disaster Recovery for Payment Switches
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, […]
Tokenisation in Payments
Tokenisation in Payments
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 […]
Launch of BP-Switch
Launch of BP-Switch
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 impact on Payments
Heartbleed bug impact on Payments
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 […]
EFTlab’s product timeline (2009 – today)
EFTlab’s product timeline (2009 – today)
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 […]
Virtualization in Payments
Virtualization in Payments
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 […]
Fee Calculation for Payment Environments
Fee Calculation for Payment Environments
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 […]
Cardholder Verification in EMV
Cardholder Verification in EMV
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 […]
Smart Cards – Answer To Reset (ATR)
Smart Cards – Answer To Reset (ATR)
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 Use of CTQs and TTQs in NFC Transactions
The Use of CTQs and TTQs in NFC Transactions
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 […]
Mobile payments: Uneasy situation on a global market
Mobile payments: Uneasy situation on a global market
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 […]
BP-SeeEMV
BP-SeeEMV
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 […]
HSMs in a Payment Industry
HSMs in a Payment Industry
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 […]
PCI DSS. Outsourcing. Self-regulation.
PCI DSS. Outsourcing. Self-regulation.
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 […]
10 good reasons why to use Linux in the Payments Industry
10 good reasons why to use Linux in the Payments Industry
NYSE and CME – big names in Stock Exchange world; Google, Facebook, Amazon – the three most successful Internet companies. Brazil, Germany, China – some of […]
What’s happening with EMV
What’s happening with EMV
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 […]
Another company’s comments on US migration to EMV
Another company’s comments on US migration to EMV
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 […]
Knowing a price for a payment service outage? Priceless!
Knowing a price for a payment service outage? Priceless!
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 […]
Readying your switch for the end of 2012?
Readying your switch for the end of 2012?
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 […]
Why to implement EMV when Mobile NFC payments are coming in?
Why to implement EMV when Mobile NFC payments are coming in?
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 […]
NFC is coming, are you ready?
NFC is coming, are you ready?
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 […]
Smart Cards – Answer To Reset (ATR)
Smart Cards – Answer To Reset (ATR)
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 […]