Can a company prepare for a failure of the payment system?

On Saturday, around noon, the cashless payment system failed. For several dozen minutes, customers could not pay by card or BLIK. This situation has shown how important the reliability of financial infrastructure is. Any interruption in transaction handling is not only a loss for sellers and service providers, but also a damage to consumer confidence. Therefore, it is crucial to implement solutions that minimize the risk of downtime, as Michał Kinek, Director of the Payment Systems Development Department at Exorigo-Upos, notes.

The solution may be to split the card traffic into two acquirers. The payment hub function comes to the rescue, which allows you to route transactions dynamically based on the card number prefix to a given authorization and clearing center. In the event of a failure in one of them, all traffic is rerouted to the other, ensuring the continuity of payment processing. Thanks to this, the customer at the terminal will not even notice there is a problem.

When deciding on such a solution, you should also remember about safety standards. Certificates such as PCI DSS, SSF, or PCI P2PE will guarantee adequate protection of customers’ payment data at every stage of the transaction.

With cashless payments becoming a staple of retail, investing in stable and secure systems is no longer a competitive advantage – it is a necessity. The industry must learn from recent events and focus on solutions that guarantee reliability.

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