Cloud EFT Payment Hub (EuroCard EFT)
Cloud EFT is our proprietary, fully redundant service that enables processing payment transactions. It meets all the requirements of Payment Organizations, including PCI DSS (Payment Card Industry Data Security Standards). It is based on a certified payment system – EuroCard EFT meets all the requirements of PCI SSF (Software Security Framework).
The Cloud EFT payment hub on terminals in your sales network provides fast transaction handling and the highest level of security currently available (PCI P2PE). With this service, our clients efficiently pass the PCI audit.
We advise on:
current market trends,
solutions available from acquirers,
choosing the method of financing,
the purchase of equipment and project financing,
changes in the network infrastructure necessary for the service to function.
Cloud EFT provides certainty and flexibility in handling payments
Cloud EFT allows you to support multiple acquirers and guarantees processing continuity. Thanks to fallback during a failure, you will save every potentially lost hour of sales.
The Eurocard EFT is a fully automated middleware system
The system concentrates payment traffic and directs dynamically based on the card’s BIN number to a given acquirer and settlement centre.
Eurocard EFT is the first solution in Poland that has been PCI P2PE certified.
Provides the highest standard of security for card payments
Examples of Cloud EFT Payment Hub applications
Cloud EFT – secure and fast
Cloud EFT guarantees security and transaction speed. Its capacity is 500,000 transactions per hour. It enables multi-agent support and reporting of card transactions within a single facility or the entire network.
Benefits of implementing our solution
Guarantee uninterrupted payment processing
By using more than one acquirer.
Fast transaction processing
The fastest ones are carried out in less than 3 seconds (from sending the authorization request by the checkout to sending the approval by Cloud EFT).
Highest security standard
A set of certificates guaranteeing the security of payment card transactions throughout the sales network, including the PCI P2PE certificate for the highest security standard.
Support for our largest terminal service centre in Poland
40% market share, according to estimates, which provides nationwide coverage, comprehensive service and quick response.
High efficiency of transactions per hour
It enables the processing of several hundred thousand transactions per hour, guaranteeing smooth operations and reducing customer waiting times.
Fully automated authorisation process
It provides fast, error-free and secure access management without human intervention.
Donateo – a convenient way to donate during your daily shopping
Modern payments for your customers
The Donateo application is a solution for customers who pay by card, smartphone, BLIK, and wearable accessories, such as smartwatches.
Innovative technology and easy implementation
Donateo is a technologically advanced tool. It works on payment terminals and PIN Pads connected to our proprietary Cloud EFT payment hub (Eurocard EFT).
Seamless integration into existing terminal network
The Donateo application is implemented at retail outlets on an existing network of payment terminals, minimising the need to modify the infrastructure.
Rapid implementation and support at every stage
Before launching the application, a short test and training of cash register employees is carried out, which ensures efficient implementation.
Cloud EFT Payment Hub in 2024
One retailer had a problem with the slow pace of payment processing.
This led to longer queues at the checkouts and caused significant
upset of customers, especially mothers with small children. After our
service team installed Cloud EFT Payment Hub on terminals across the
network, the average payment processing time decreased by 2-3 seconds. Significantly
This improved the situation in stores, resulting in shorter queues. The staff also positively
assessed the change because their work became faster.
Want to speed up transactions?
Cloud EFT payment hub is the first Polish solution on PCI P2PE list
The last certificate ended a long-term process carried out by Exorigo-Upos S.A., which aimed to ensure the highest quality of the service offered.
Currently, the company is certified as:
- PCI DSS w ramach Service Provider Level 1,
- PCI P2PE (Point-To-Point Encryption), PCI P2PE Application, PCI P2PE KIF (Key Injection Facility),
- PCI PIN Security,
- PCI SSF (Software Security Framework) – EuroKarta EFT.
FAQ
What is the Cloud EFT Payment Hub (EuroKarta EFT)?
What business benefits does implementing Cloud EFT bring to a retail network?
- Business Continuity: Thanks to fallback mechanisms and redundancy, the system guarantees payment acceptance even in the event of a connection or acquirer failure.
- Speed: Transaction processing in under 3 seconds, which directly reduces checkout queues.
- Scalability: The ability to stably handle massive volumes—up to hundreds of thousands of transactions per hour during peak sales periods.
How does Cloud EFT ensure the security of payment data?
- PCI P2PE (Point-to-Point Encryption): Ensures full encryption of card data from the moment it is read at the terminal until it reaches the secure hub environment.
- PCI DSS: Full compliance with the security standards of payment organizations (Visa, Mastercard). These certifications allow retailers to significantly simplify their own audit processes and minimize the risk of data breaches.
Is the system flexible across different industries and devices (Unattended)?
- Parking meters and vending machines.
- Parking management systems.
- Info-kiosks and ticket machines.
How does Cloud EFT execute a multi-acquirer strategy (bank independence)?
- Independence: The ability to easily change or add a new acquirer without replacing the existing infrastructure.
- Cost Optimization: Routing transactions to the acquirer offering the best terms at any given moment.
- Redundancy: In the event of a technical issue with one acquirer, the system automatically switches processing to another.
What modern payment methods and value-added services does the hub support?
- Contactless and Mobile Methods: Apple Pay, Google Pay, and wearable payments.
- Local Systems: Full integration with BLIK.
- Value Added Services (VAS): The system enables the implementation of additional services, such as Donateo (micro-donations to charity during checkout), allowing retailers to build customer engagement without modifying the POS logic.