Cloud EFT Payment Hub — payment transaction processing service
Cloud EFT is our proprietary, fully redundant service for processing payment transactions. It meets all requirements of payment organisations and PCI DSS. EuroKarta EFT is based on a certified payment system that complies with PCI DSS requirements.
Cloud EFT provides confidence and flexibility in payment processing
EuroKarta EFT enables cooperation with multiple acquirers and ensures continuity of payment processing.
Thanks to its fallback mechanism, transactions can be automatically routed to an alternative acquirer, minimising the risk of lost sales in the event of a failure.
Cloud EFT is an advanced Payment Hub solution
It is designed for centralised management and processing of cashless transactions.
EuroKarta EFT was designed to support critical payment infrastructure in retail
It consolidates payment traffic and dynamically routes transactions based on the card BIN to the appropriate authorisation and settlement centre (acquirer).
The solution operates within a flexible cloud ecosystem
It operates in a High Availability model, supporting multiple channels in an omnichannel environment and multiple acquirers simultaneously.
Cloud EFT is secure and fast. What else does it provide?
Reliable and flexible payments tailored to the needs of distributed retail chains.
Fast processing of every transaction, carried out directly on terminals in your stores.
The highest level of security, confirmed by the implemented PCI P2PE standard.
Benefits of implementing our solution
Guaranteed uninterrupted payment processing
Enabled by the use of more than one acquirer.
Fast transaction processing
The fastest transactions are processed in under 3 seconds – from the moment the POS system sends the authorisation request to the moment Cloud EFT returns the approval.
The highest security standard
A full set of certificates ensuring the security of payment card transactions across the entire sales network, including PCI P2PE certification, which confirms the highest security standard.
Support from the largest terminal service centre in Poland
With an estimated 40% market share, our service centre provides nationwide coverage, comprehensive support and fast response times.
High transaction throughput per hour
The solution enables processing several hundred thousand transactions per hour, ensuring smooth operations and reducing customer wait times.
Fully automated authorisation process
It provides fast, error-free and secure access management without the need for human intervention.
Cloud EFT Payment Hub in 2025
Cloud EFT Payment Hub use cases
Elements of Cloud EFT Complete by Exorigo-Upos
Cloud EFT supports multiple acquirers
at the same time
See what else you gain:
| With a traditional solution | With Cloud EFT Payment Hub |
|---|---|
|
No independence Changing the acquirer entails a complex, costly replacement of hardware infrastructure across the entire network. |
Full independence The ability to easily change or add a new acquirer without replacing the terminals already in use, with support for up to 7 acquirers. |
|
Single point of failure An outage affecting a single acquirer interrupts payment processing in the store. |
Guaranteed continuity through redundancy In the event of an outage, fallback automatically switches processing to another acquirer, helping to avoid potential lost sales hours. |
|
Fixed commission rates Using only one acquirer limits negotiation options and makes commission optimisation more difficult. |
Cost optimisation The solution enables dynamic transaction routing to the acquirer offering better conditions at a given time. |
Cloud EFT Payment Hub delivers certified security
at the highest level
Karta EFT is the first Polish solution listed under PCI P2PE.
In addition, it is integrated with the highest security standards: Currently, the company is certified as:
- PCI P2PE — Point-to-Point Encryption
Provides full encryption of card data from the moment it is read on the terminal until it reaches a secure environment. - PCI DSS, PCI SSF and PCI PIN Security
Full compliance with the security standards required by payment organisations. - P2PE certification for the Android application
It confirms that payments made on selected Ingenico and SUNMI terminals in the European region are protected in line with the highest security standards. The solution’s scope is regularly expanded to include additional devices, and its compliance is confirmed through recertification of KIF P2PE and the Secure Room.
We also provide advisory support in areas such as current market trends, acquirer selection, equipment financing models and necessary changes to network infrastructure.
A payment management system for multiple sectors
The solution is available for both traditional retail environments, such as POS systems and self-checkouts, and the unattended sector, including parking 6aymen, vending machines, information kiosks and ticket machines. Our implementations are comprehensive and cover IT infrastructure, software, services and maintenance.
The largest service centre
We support the operation of the Payment Hub through access to the largest terminal service centre in Poland. It includes a team of more than 300 technicians and over 50 branches, supporting approximately 400,000 entrusted devices and handling more than 80,000 service requests annually.
Secure payment processing across your network
Contact us to learn how Cloud EFT Payment Hub can reduce your transaction costs, eliminate the risk of downtime, and make it easier to switch acquirers.
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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.