Authentic is an intelligent transaction-processing platform designed for today's fast-changing payments business. It has become the payments engine of choice for issuers, acquirers, payment service providers, ISOs and merchants around the world. Certified as PA-DSS compliant, and benchmarked at 10,000 transactions per second, Authentic is designed to keep you in control of your payments environment, while giving you functionally rich, secure, resilient and scalable performance.


With Authentic as your EFT system, you can operate a multi-faceted payments business from a single platform

Payment from any device

Authentic can accept any type of transaction from any device, source or system, authorize and authenticate it, and route it to any destination

Multi Payment omni directional

Authentic offers multi-institution, multi-currency, multi-language and multi-channel support, and enables compliance with current and future EMV standards as well as contactless and mobile payment types

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Multi-institutional, multi-currency, multi-language and multi-channel support
ATM and POS support for all major devices
Off-the-shelf card scheme support
PCI PA-DSS certification
Compliance with EMV standards including contactless and NFC
Transparent and re-configurable business logic
Real-time risk management rules
Easy configuration for new network and host interfaces
Scalability - from small gateway systems to global networks
24 x 7, 99.9999% resilience
Benchmarked to over 10,000 transactions per second
Support for ISO 20022 message formats
Handle web service calls for APIs
Respond to new opportunities quickly, accurately and cost-effectively
Reduce the time to market for new products, functionality and channels
Streamline operations, while maximizing return on investment in existing systems
Minimize support requirements and dependency on legacy skills
Avoid costly vendor-dictated upgrade cycles and feature development
Maintain exceptional performance levels from a cost effective commodity platform
Control budgets, enhance profitability and benefit from a low cost of ownership
In Depth

Flexibility and agility are built into Authentic from the outset. Its component-based design means you can easily configure message mapping, processing workflows and business logic within Authentic to meet the specific requirements of your business. Its intuitive, browser-based and user-friendly interface makes it easy to implement changes with no knowledge of the core processing engine, so you can orchestrate the processing of new payment channels or payment types without programming skills. You can also roll in new releases and upgrades without changing pre-existing customizations.

With Authentic, the routing of the transaction can be determined by any part of the message, which enables features such as channel, account, transaction or payment-instrument routing. Authentic's workflow engine - action lists - also defines the functions to be applied at each stage to a transaction. It includes an extensive library of standard functions such as PIN check, daily usage check, EMV ARQC validation, account status check, reversal generation, and transaction logging.

Action lists can also include requests to external systems, such as a fraud detection system, to provide additional data to be used in processing the transaction. Published Application Programmatic Interfaces (APIs) allow you to refine the system by creating additional functions to be performed on classes of transaction or specific transaction types.

You can perform or maintain your own customizations with as much or as little support from NCR as you choose - so you retain total strategic control of your system.

Authentic in your IT infrastructure
Authentic is designed to be easily integrated with any core banking, fraud detection or other internal or external systems. It also offers out-of-the-box, real-time, in-flight integration with the Fractals fraud detection and prevention solution from NCR. Thanks to its Message Mapper component, Authentic gives you rapid configuration of interfaces between systems – usually without programming or re-coding your systems. By importing web-service definitions into Message Mapper, new web-service connections can be rapidly created. Authentic is designed for continuous availability and 24x365 operations. It is a linearly scalable solution written entirely in Java, using open systems standards and object-orientated design. You can proactively manage Authentic from a single console that offers systems and device monitoring, automated end-of-day cutover, and command and control.

It is also platform independent. You can run Authentic on Oracle, Stratus, HP and IBM servers with Linux, Windows, HP-UX or AIX operating systems. We recommend that Authentic is run on a reliable and extensible database such as Oracle, or Microsoft SQL Server.

Ease of migration
Migration to Authentic is designed to be as straightforward as possible thanks to a ‘legacy wrapping’ approach. By enclosing existing systems in a new technology wrapper that handles the integration with both internal legacy applications and external systems, Authentic can deliver new services while gradually taking over existing functions.

The wrapper creates a configurable, service-oriented and scalable platform that allows you to implement future changes quickly and efficiently. At the same time, your legacy system is insulated from future changes and so continues to deliver value. You can drive your business forward without further dead-end investment in a legacy platform – and without the associated risks.