In 2010, NPCI allowed “Sarvatra EFT Switch” to be the first EFT switch by an ASP (Application Service Provider) to connect directly to NFS, thereby ushering in a revolution in small co-operative banks that were not direct members of NFS and could not become one as they were not members of RTGS, because of which co-operative banks were not interoperable with other banks.

Sarvatra offers EFT switching services to banks with existing CBS hosts. For enabling authentication, verifications and appropriate routing of transactions to the respective banks of the customers, we provide a world-class EFT Switch using international standard ISO 8583 protocol, which validates the customer card, the ATM/POS terminal, and the PIN, and then forwards the transaction to National Financial Switch (NFS) and back.

Sarvatra EFT Switch is a world-class EFT (Electronic Funds Transfer) switch that enables ATM, Merchant POS, and E-commerce payments, and is offered to our client banks as PaaS (Platform as a Service) on a shared basis. It allows these client banks to enable ATM/POS network sharing and universal acceptance of their ATM/Debit cards across India. It has been recognized by NPCI (National Payments Corporation of India) for effective nationwide participation in NFS (National Financial Switch) network.

Along with our shared “Sarvatra EFT Switch”, we offer a unique middleware that provides online interface to banks to monitor their systems, network links.

We also offer end-to-end Card Management services to the banks, right from card and welcome kit design to delivery.

Additionally, we have already invested in a state-of-the-art ISO 27001 certified Data Centre. Our client banks don’t need to set up their own data centres, thereby significantly reducing the start-up cost and time.