APAYcard is a middleware-based transaction processing system built on Microsoft products and technologies using .NET framework. APAYcard provides seamless connectivity to banks in Japan via routing XML messaging from the retail POS system over IP to the banks via local banking network provider GPNet. APAYcard can integrate with existing POS terminal devices, take transactions from legacy systems and convert to XML for routing, thereby enabling retailers to take advantage of newer technologies without expensive hardware roll-outs.
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