We Take the POS Message and Format it for the Authorizer

Transaction Switching (Xtran)

What is "Xtran"

The Retail Choice Enterprise Payments Switch (Xtran) is the cornerstone of Retail Choice’s integrated payment solution designed specifically for the retail industry.

Xtran is a multi-purpose transaction switch that performs real time authorization for a variety of transaction types, from numerous sources, over any communication medium, and prepares them for any destination. The flexibility of Xtran allows Retail Choice to customize our solution to satisfy unique transaction configurations for point of sales (POS) needs.

• Payment Authorization In its simplest form, Xtran is a gateway for electronic payment authorization connecting stores, banks and other points of service (e.g. web commerce server). Xtran takes the transaction request from the store, formats it, sends it to the bank for authorization and then routes the response back to the point of service.
   
• Multiple Transaction Types Xtran can be configured to accept any transaction type. Whether your customers use credit cards, debit cards, checks, electronic benefits transfer (EBT), gift cards or any private label applications, Xtran can be customized to process the transaction and keep your business running.
   
• Any Input Sources Xtran accepts transactions from any point of service and formats these requests into a host protocol and then forwards them to a financial processor for approval. Responses assigned to these authorization requests are routed back to the requesting application. Xtran interfaces with all POS systems, kiosks, IVR systems and even “pay at the pump” applications.
   
• Load Balancing A multiple Xtran systems can be load balanced to manage traffic across the store network.
   
• Disaster Recovery Xtran systems can be installed at the same site or between two physical locations for disaster recovery purposes. Several Retail Choice customers use an Xtran server farm in order to minimize the time required to recover from a server failure. With a server farm separate Xtran servers connect to a single IP cluster. Remote locations connect to the virtual TCP/IP address associated with the Xtran cluster.
   
• Variety of Communication Options Xtran operates over any communication medium allowing retailers to select the network solution that best meets current needs while having the ability to upgrade network solutions independent of the POS application, back office system or financial institution. Xtran is performance tuned for high transaction volumes, maximum availability and reliability from the outset.