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EFT Switch Solution - EzLink Enterprise EFT Switch

One of the most trusted solutions in the sector is EzLink Enterprise EFT Switch, built by CashLink Global Systems (CGS). EzLink is designed to manage and route transactions with speed, security, and precision, supporting both local and international payments through ISO8583 and ISO20022 protocols.

EzLink Enterprise is a PCI S3 Certified, high-performance, credit and debit-processing EFT (Electronic Fund Transfer) switch, capable of authorizing & routing any financial transaction based on the pre-defined rules/configurations. EzLink Enterprise supports a wide variety of platforms and configurations and is tailored to meet clients’ site specific and hardware requirements.

EzLink has the capability to drive any SSTs such as ATM, Kiosk, POS and Teller Terminals directly. External Interface is provided through Standard ISO8583 / ISO20022. EzLink switch is designed to handle the complex flow of acquirer & issuer transactions within as well as across different financial institutions in a very flexible/configurable way, thereby providing the exact solution intended to meet the client requirement.

The unique advantage of Ezlink is that it supports Multi-Institution Operation & drives Multi-Brand ATMs & Multi-Type Terminals (ATM, kiosk, POS). Other outstanding advantages include being RuPay, MasterCard, VISA & CUP Certified.

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EzLink supports ISO20022 Messages which offers a universal messaging language throughout the payment chain, on an International scale.

EzLink follows a multi-layered n-tier architecture in which the EzLink modules are deployed over the EzKernel middleware. EzKernel is a very high-performance server-based middleware which can be deployed on any UNIX (Linux, Sun Solaris, IBM AIX) based operating system. EzKernel provides all the essential operating system services to the application (EzLink) deployed over it.

Why Choose EzLink Enterprise EFT Switch ?

Choosing the right EFT switch is crucial for handling and managing quick and secure transactions. If you are looking for a secure, scalable, and built for the future EFT solution, CGS’ Ezlink should be your go-to-choice. Here is why the Ezlink Enterprise stands out as a leading EFT Switch in the industry.

The Ezlink offers a cost effective and easy maintenance switching solution based on pre-defined rules and configurations. Moreover, its flexibility ensures providing the exact solution to clients based on their requirements.

EzLink EFT Switch is Benchmark tested to handle high volume of transactions, ensuring speed and superior performance.

Secure & Compliant

Certified with PCI S3 & PCI Compliance, ensuring safety in transactions and customer data.

Seamless Integration

Designed for quick and seamless integration with any CBS and endpoint.

Multi-Channel Support

Support Mltiple Payment Channels such as ATM, POS, SST, E-Com, M-Com, Micro ATM etc.

Multi-Network Support

Supports all major card networks including VISA, MasterCard, CUP, RuPay, & National Networks.

Middleware

Our EzKernel middleware is used to deploy Ezlink modules in a multi-layered n-tier architecture. The high-performance server-based middleware provides all the essential services to the application and can be deployed on any UNIX based OS such as Linux, Sun Solaris, IBM AIX.


Terminal Monitoring & Reports

StarCAS, our Control Access System for EFT Switch, lets you to control and monitor the delivery channels such as ATM, POS, and Kiosk. Moreover, it allows you to download the dynamic statistics reports for different channels in various formats.


Card Management Services (CMS)

Along with Ezlink, we offer dynamic Card Management Solution - from card registration to PIN generation, it offers multiple services related to ATM/Debit/Credit/Prepaid card management.


CBS Integration

Ezlink serves as a connector between customers and the bank's Core Banking System (CBS), enabling real-time communication and transaction processing. It configures various customer touchpoints, such as ATMs, mobile apps, and POS terminals, and can be easily integrated with most of the CBS. This ensures secure, seamless data exchange with the bank's backend systems for accurate and efficient transaction handling.

Built-in Fraud & Risk Management
Multi-Institution & Multi-Type Terminal Support
VISA, MasterCard, CUP & RuPay EMV Certified
Unlimited External Device & Port Support

Successful Integration with Major National Financial Switches

NPCI Logo

NPCI - India

EthSwitch Logo

EthSwitch S.C - Ethiopia

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Afghan Payment System - Afghanistan

HMA Data Systems Logo

LAPNet - Laos

HMA Data Systems Logo

Interswitch - Nigeria

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REPS - Papua New Guinea

EFT Switch Architecture

Transactions Handled by EzLink EFT Switch

Typically EzLink can handle the transactions like

  • Cash withdrawal
  • Balance Enquiry
  • Fast Cash
  • Mini Statement
  • PIN Change
  • Deposit by Cheque
  • Deposit by Cash
  • Green PIN
  • Contactless
  • Cheque Book Request
  • Fund Transfer
  • Card to Card Transaction
  • Mobile Top-Up
  • Utility Bill Payment
  • E-COM / BEPG
  • Supports both Full Reversal & Partial Reversal Functionality
  • Internet Banking
  • Mobile Banking
  • All other Omni Channel Banking Transaction

Benefits of EzLink EFT Switch?

  • Highly scalable and flexible solution to meet any future requirements.
  • Completely secure and certified by PCIDSS Council.
  • Fraud and Risk Alerts.
  • Adaptability to sudden changes.
  • Smooth Migration fom current system with minimal impact.
  • Easy integration with other 3rd Party System through API.
  • Easy Maintenance.
  • Stable and Cost-effective solution.
  • Improved Customer Satisfaction.


PRODUCT HIGHLIGHTS

  • Highly Scalable & Fault Tolerant
  • Supports API integration
  • RuPay / VISA / MasterCard EMV certified
  • ISO8583, ISO20022, and XML with own custom tags support
  • Support major stand-alone HSMs like Thales, Utimaco, Safenet, Futurex, etc. as well as cloud HSM
  • 24*7 Process Availability
  • Supports Contactless & Cardless features
  • Scalable with Unlimited External Device / Port Support
  • Multi-Institution and Multi-Type Terminal Support
  • Capable to drive Cash Deposit & Cash Recycler Machines
  • Real-time Monitoring and Device uptime tracking

FREQUENTLY ASKED QUESTIONS (FAQ)

  • ANSWER

    • An EFT (Electronic Fund Transfer) Switch is a secure, high-performance system that routes, processes, and authorizes financial transactions between banks, ATMs, POS machines, kiosks, and other payment terminals. It acts as a centralized hub providing seamless communication between acquirers and issuers, ensuring quick and safe transactions.
  • ANSWER

    • A EFT switch serves as the central hub for processing electronic financial transactions. These systems ensure that transaction requests are accurately routed, authorized, and completed within seconds. It manages requests like withdrawals, deposits, balance checks, and fund transfers across various banking channels, including ATM networks, Point-of-Sale (POS) terminals, and online banking interfaces.
    • On the other hand, a Payment Gateway is used for online purchases. It captures payment information from websites or apps and sends it securely to the processor for approval.
  • ANSWER

    • EzLink Enterprise is a versatile payment platform designed to handle a wide range of financial transactions, including ATM, POS, Agency Banking, Mobile Banking, Utility Bill Payments (UBP), Fund Transfers, E-commerce (ECOM), BEPG transactions, Mobile Top-ups, and Card-to-Card transfers. It supports multiple financial institutions and terminal types, enabling seamless, secure, and scalable payment processing across channels.
  • ANSWER

    • Yes, the EzLink EFT Switch is highly secure and operates in a PCI DSS and PCI S3 compliant environment. It protects every transaction through end-to-end encryption and EMV-secure processing. The platform also uses strong key management, secure communication (SSL/TLS), and real-time fraud and risk monitoring to ensure data safety. In addition, regular security audits, comprehensive event logging, and compliance with ISO 8583 and ISO 20022 standards guarantee reliability and regulatory confidence.
  • ANSWER

    • Yes, it works seamlessly with ATMs, POS Machines, Kiosks, and even Cash Deposit/Recycler Machines.
  • ANSWER

    • EzLink supports all the major domestic and international card networks including RuPay, VISA, MasterCard, UnionPay(China), AMEX, Discover and National Networks.
  • ANSWER

    • Yes, the EzLink EFT Switch is highly scalable and built to support unlimited external connections and device integrations. Its flexible architecture allows organizations to easily expand as transaction volumes and business needs grow. With API-based integration and modular design, it ensures seamless adaptability to future technologies and evolving market requirements.

  • ANSWER

    • Yes, the EzLink EFT Switch is fully customizable to meet each client’s specific business and operational needs. It offers a cost-effective, flexible, and easy-to-maintain switching solution built on configurable rules and parameters. This adaptability ensures a tailored fit for diverse environments and strategic objectives.
  • ANSWER

    • Supports Contactless & Cardless transactions.
    • Real-time Monitoring and Device Uptime Tracking.
    • Provide insights through real-time Dashboard with all the standard features.
    • Supports API integration.
  • ANSWER

    • CashLink (CGS) provides comprehensive support which includes end-to-end assistance with system setup, integration, testing, and go-live support. Post-deployment, we offers continuous maintenance, performance optimization, and feature enhancements to ensure the system remains up-to-date, reliable, and efficient.

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