Microgen has a comprehensive range of Bacstel-IP compliant software products that scale to support organizations from the largest BACS submitter to the occasional user. Systems are Smart Card or Hardware Security Model (HSM) based depending on the level of automation required and ability to handle high volumes of transactions.

The products are suitable for a wide range of applications including payroll, supplier payments, subscriptions memberships and bureau functionality. Microgen Bacway IP Enterprise products handle complex environments with multiple payment applications, multiple sponsoring banks, manual and automated processes and detailed security requirements.

Bacway IP Enterprise Plus

Designed for a 'lights out' finance operation and therefore for larger organizations using BACS software for high volumes of payments. (It is especially applicable to direct debit originators.) Enterprise Plus utilizes the nCipher nShield HSM providing a seamless BACS connection and enabling submissions to occur without user presence. Organizations can run concurrent connections to BACS, allowing multiple users to carry out payments/collections simultaneously. Using Enterprise Plus organizations can schedule payments/collections and reports and ADDACS and ARUDD reporting is user configurable.

Contact Microgen for more information...

Bacway IP, Enterprise

This scalable, networked, multi-user configuration for BACS submissions is designed for medium to large organizations with multiple BACS users. Bacway IP Enterprise is accessed via a browser and uses the Smart Card reader system for authentication.

Contact Microgen for more information...

Bacway IP Professional

This is a stand alone application designed for organizations making small or infrequent volumes of payment transactions, typically payroll or direct debits. It uses a Smart Card and Smart Card reader system requiring input of a PIN to automate file submission and report retrieval. It allows only single file submissions but can be accessed by a number of different users.

Contact Microgen for more information...

Microgen Payment Control System

Microgen Payment Control System (PCS) enables an organization to manage and control payments and associated data either flowing into or out of the business. It typically sits between the user's environment and related external bodies such as banks, clearing houses, payment service providers and merchant acquirers, (although data may also be routed between systems within the user's environment). It provides a central point through which all payment and related data flows to give the user a single location where payment related activities can be monitored and controlled.

To meet the challenges presented by operating in such a complex and varied environment, Microgen PCS fully utilizes and exposes the power of the Microgen Aptitude Business Process Platform The flexibility provided by this core technology is demonstrated in the specific functionality detailed below:

• comprehensive facilities to allow integration with the user's environment,
• a web interface to allow for the manual entry and control of data
• Intelligent routing, validation and repair of any data entered into PCS before forwarding to required destination.
• Processing of data in line with business rules whether user specific, such as payment release procedures, anti money laundering checks etc., or industry standard rules such as those defined for processing Direct Debits within the UK.
• Creation of an audit trail of all data passing though Microgen PCS with functionality enabling interrogation of both the data itself and the actions undertaken.
• Reporting on all error and exception situations
• A daily reconciliation report for all transactions handled.