Technology, Back Office, and comprehensive management of the transactional ecosystem: acquiring, issuing, fraud, disputes, and conversion.
We combine technology, data, artificial intelligence, and operational expertise to deliver comprehensive solutions that optimize processes, ensure regulatory compliance, and improve efficiency, security, and the user experience across the entire payment ecosystem.
Our portfolio of payment services and solutions covers everything from merchant onboarding to post-sale management, encompassing all critical processes in the acquiring and issuing businesses.
Customer Management and Sales Channels
Acquisition and Support Cycle:
Integrate new user onboarding with the power of telesales and customer service.
Digital Experience and Success
It encompasses the e-commerce service and the critical milestone of user conversion.
Risk Control and Asset Management
Safety and Conflict Resolution:
Focused on fraud prevention and the efficient management of transactional disputes.
Financial Structure and Recovery
It covers Financing, Bank Reconciliation, and the final stage of Debt Collection.
We perform the internal and support tasks necessary to verify the identity of our customers (individuals or businesses) and ensure regulatory compliance.
Using virtual assistants and AI, we simplify and automate the collection and validation of customer documentation, completing the entire onboarding or registration process quickly, with step-by-step guidance, and 100% digitally.
The team provides comprehensive support to account holders, merchants, and bank offices, handling incidents, inquiries, and requests related to cards, financing, and day-to-day operations via phone and in writing. In addition, it provides specialized support to bank branches and training on products and operational processes.
We have a team that specializes in selling financial solutions and products, covering the entire sales cycle. Their responsibilities include advising clients, negotiating, finalizing transactions, providing customer support, and managing the portfolio. In addition, they perform analysis and reporting tasks and organize training sessions and webinars for both clients and internal teams.
We offer an end-to-end e-commerce service that covers the entire operational cycle of the virtual POS, integrating telesales, administrative back-office functions, risk management, technical support, and integration with payment gateways. Our goal is not only technical integration, but also the monitoring, activation, and effective implementation of the virtual POS.
We use a team of specialists to handle the conversion of revenue into payments. Through data analysis and monitoring, we optimize conversion rates and improve the payment experience. Their responsibilities include reporting on key metrics, properly managing fees and interchange rates, providing support to customer service teams and merchants, and analyzing declined transactions to increase the acceptance rate and the number of approved transactions.
Comprehensively manage claims in both issuer and acquirer environments, optimizing operational resources, reducing losses due to errors or missed deadlines, and improving customer satisfaction. To this end, we offer DCLAIMS, Spain’s leading tool, which automates key processes such as deadline tracking, document management, and regulatory updates, as well as a self-service portal integrated with the banking app and website for account holders and merchants.
The BackOffice team is responsible for preventing and combating fraud, protecting the bank and its customers from financial losses in card transactions, transfers, online banking, POS terminals, and e-commerce. In addition, we have our own solution, LuzIA, which uses artificial intelligence and machine learning to detect, prevent, and neutralize fraudulent activities throughout the entire payment cycle in both the issuer and acquirer environments.
We carry out all the necessary steps to ensure that a consumer loan runs smoothly, from the time it is applied for until it is paid off.
It includes the processing and approval of applications, risk and creditworthiness analysis, loan origination, and loan administration. It also provides customer service and operational support during the acquisition and post-sale phases. In addition, we automate document validation processes using our proprietary AI-powered solutions, ensuring greater agility, security, and efficiency.
The Reconciliation Back Office team manages and reconciles the accounting records, transactions, and balances associated with payment method transactions. Its work ensures that revenue and expenses are correctly recorded and reconciled with customers by collecting and comparing data, detecting and investigating discrepancies, and making the necessary accounting adjustments and corrections.
We have a team that specializes in managing debt collection processes for unpaid bills. In addition, we offer an AI-powered self-service collection assistant that makes it quick and easy to pay outstanding invoices from anywhere. Through intelligent chatbots, we streamline billing and collection, eliminate intermediaries, and simplify the customer experience, improving recovery rates and user engagement.
We perform the internal and support tasks necessary to verify the identity of our customers (individuals or businesses) and ensure regulatory compliance.
Using virtual assistants and AI, we simplify and automate the collection and validation of customer documentation, completing the entire onboarding or registration process quickly, with step-by-step guidance, and 100% digitally.
The team provides comprehensive support to account holders, merchants, and bank offices, handling incidents, inquiries, and requests related to cards, financing, and day-to-day operations via phone and in writing. In addition, it provides specialized support to bank branches and training on products and operational processes.
We have a team that specializes in selling financial solutions and products, covering the entire sales cycle. Their responsibilities include advising clients, negotiating, finalizing transactions, providing customer support, and managing the portfolio. In addition, they perform analysis and reporting tasks and organize training sessions and webinars for both clients and internal teams.
We offer an end-to-end e-commerce service that covers the entire operational cycle of the virtual POS, integrating telesales, administrative back-office functions, risk management, technical support, and integration with payment gateways. Our goal is not only technical integration, but also the monitoring, activation, and effective implementation of the virtual POS.
We use a team of specialists to handle the conversion of revenue into payments. Through data analysis and monitoring, we optimize conversion rates and improve the payment experience. Their responsibilities include reporting on key metrics, properly managing fees and interchange rates, providing support to customer service teams and merchants, and analyzing declined transactions to increase the acceptance rate and the number of approved transactions.
Comprehensively manage claims in both issuer and acquirer environments, optimizing operational resources, reducing losses due to errors or missed deadlines, and improving customer satisfaction. To this end, we offer DCLAIMS, Spain’s leading tool, which automates key processes such as deadline tracking, document management, and regulatory updates, as well as a self-service portal integrated with the banking app and website for account holders and merchants.
The BackOffice team is responsible for preventing and combating fraud, protecting the bank and its customers from financial losses in card transactions, transfers, online banking, POS terminals, and e-commerce. In addition, we have our own solution, LuzIA, which uses artificial intelligence and machine learning to detect, prevent, and neutralize fraudulent activities throughout the entire payment cycle in both the issuer and acquirer environments.
We carry out all the necessary steps to ensure that a consumer loan runs smoothly, from the time it is applied for until it is paid off.
It includes the processing and approval of applications, risk and creditworthiness analysis, loan origination, and loan administration. It also provides customer service and operational support during the acquisition and post-sale phases. In addition, we automate document validation processes using our proprietary AI-powered solutions, ensuring greater agility, security, and efficiency.
The Reconciliation Back Office team manages and reconciles the accounting records, transactions, and balances associated with payment method transactions. Its work ensures that revenue and expenses are correctly recorded and reconciled with customers by collecting and comparing data, detecting and investigating discrepancies, and making the necessary accounting adjustments and corrections.
We have a team that specializes in managing debt collection processes for unpaid bills. In addition, we offer an AI-powered self-service collection assistant that makes it quick and easy to pay outstanding invoices from anywhere. Through intelligent chatbots, we streamline billing and collection, eliminate intermediaries, and simplify the customer experience, improving recovery rates and user engagement.
We integrate technology and bring intelligence to operations to enable better decision-making, with solutions that drive efficiency, safety, and growth for our clients in an increasingly competitive and regulated market.
The most powerful and specialized dispute management tool created by payment experts.
DClaims allows you to efficiently manage claims in payment processes, saving time and money throughout the entire process while ensuring compliance with brand regulations.
The tool features advanced machine learning (AI) technology to analyze online transactions based on logical rules, mathematical rules, and rules generated by artificial intelligence, which will identify patterns related to fraudulent transaction flags, customer behavior, and the solution’s other modules.
The most powerful and specialized dispute management tool created by payment experts.
DClaims allows you to efficiently manage claims in payment processes, saving time and money throughout the entire process while ensuring compliance with brand regulations.
Transform the customer experience with conversational technology.
Our AI-powered chatbot and voice bot solutions act as virtual agents that handle, categorize, and resolve inquiries, connecting with internal management systems and escalating only complex cases to a human agent.
We offer a digital platform called One-Hub that the institution can make available to its merchants, allowing them to centrally manage their payment operations and other related services, thereby streamlining processes and improving the customer experience.
