Processing for Acquirers
A processing solution for all types of payment methods and channels: credit cards, debit cards, prepaid, QR, in-person, or e-commerce.
The platform includes specific features for payment processors, with unique functionalities dedicated exclusively to the full management of merchants and their operations. This allows configuring a network of physical or online merchants, or an acquiring network for Acquirers, PayFacs, and Aggregators, always in direct interaction with the brands.
Acquirer Lifecycle
Commercial Conditions
Infinitus enables flexible configuration of commercial conditions, adapting to the needs of issuers, acquirers, and merchants. It manages rates, fees, commissions, charges, discounts, and promotions based on segments, customer type, or specific business rules.
Through advanced parameterization and automation tools, it optimizes the management of contracts and commercial agreements, ensuring transparency and operational efficiency.
With Team Quality, you gain access to a dynamic payments ecosystem that allows you to define customized commercial strategies, improve profitability, and strengthen your relationship with clients and strategic partners.
Discount Ratios
Infinitus allows defining customized commercial conditions based on merchant profile, channel, or transaction type.
Through dynamic rules, it manages rates, fees, commissions, rebates, and discounts automatically, applying differentiated ratios by volume, merchant category, or specific agreements.
Adjustments are reflected in real time and integrated with settlement, statements, and tax calculation systems, optimizing acquirer commercial management without compromising traceability or regulatory compliance.
Alerts and Push Notifications
Infinitus enables acquirers and merchants to maintain real-time communication with their customers through push notifications. From authorized or declined transactions to promotions, due dates, or security alerts, everything can be delivered instantly via app, SMS, or email.
Notifications are fully customizable by event, profile, or channel, and can be integrated with the acquirer’s own platforms.
This functionality enhances the end-user experience, reinforces operational security, and ensures full transparency at every touchpoint within the payments ecosystem.
Loyalty and Benefits
Infinitus drives loyalty strategies and promotions through its rule engine, enabling segmented campaigns by channel, merchant, amount, product, or key dates.
The platform allows configuring benefits such as cashbacks, discounts, reward points, and cross-promotions, adapting equally to issuers and acquirers.
Everything is managed from an intuitive interface, with configurable conditions and measurable results. This flexibility boosts the use of payment methods, strengthens merchant relationships, and provides a competitive advantage by integrating with the ecosystem’s loyalty tools.
Batch Closing
Infinitus automates batch closing, consolidating transactions securely and efficiently. It allows defining multiple closing schemes (manual, automatic, or authorization-based), adapting to the acquirer’s or aggregator’s operations.
It processes in real time the calculation of commissions, withholdings, taxes, and other adjustments. Its integration with capture networks, brands, and accounting systems ensures accuracy and traceability.
This automation reduces errors, accelerates fund flows, and enables immediate reconciliation, optimizing operational control in high-volume environments.
Payment Settlement
Infinitus manages the electronic settlement of payments for merchants, issuers, and acquirers, integrating reconciliation and statement processes in real time. It automatically calculates commissions, fees, withholdings, and taxes, adapting to multiple currencies and jurisdictions.
The platform provides detailed reports, integration with accounting systems, and configurable payment dates based on commercial agreements. It also supports voucher advances, accelerating merchant liquidity.
Its design ensures transparency, regulatory compliance, and optimization of financial flows, strengthening relationships with clients and strategic partners across the digital payments ecosystem.
Ciclo de Vida del Comercio
Infinitus Anywhere gestiona de forma integral el ciclo de vida del comercio, desde su alta inicial hasta la administración continua de sus operaciones.
Permite validar, parametrizar y monitorear comercios en tiempo real, adaptándose a distintos modelos de adquirencia. Su arquitectura modular facilita la configuración de contratos, comisiones, reglas de negocio y condiciones comerciales específicas por rubro o canal.
Además, integra herramientas antifraude, conciliación automática. Asegurando una operación eficiente, transparente y escalable, habilitando a adquirentes y agregadores a responder con agilidad a los requerimientos del ecosistema de pagos digitales.
Visa, Mastercard, and Private Labels
Infinitus is certified to process under the rules of each global brand such as Visa and Mastercard, adapting to the local configurations in each country and to the network with which the system interacts.
The platform supports flexible parameters for different product types, categories, and flag brands, including private labels with their own authorization, clearing, and settlement schemes.
All operations are managed from a single processing point, ensuring interoperability, scalability, and regulatory compliance, while optimizing control and efficiency in both domestic and international transactions.
Taxes
Infinitus automates tax management in every acquiring transaction, calculating taxes, withholdings, and perceptions according to current regulations. Its configurable tax engine allows defining tax schemes by jurisdiction, operation type, or merchant profile.
It generates reports for audit and fiscal reconciliation, and integrates with accounting systems to simplify tax filings. This automation reduces the risk of manual errors, improves financial transparency, and enables fast adaptation to regulatory changes.
The entire process runs in real time, ensuring regulatory compliance without compromising operational efficiency.
Visa
La automatización de procesos críticos dentro de Smart Open optimiza tiempos y reduce la carga operativa. A través de la automatización de bajas, facilitamos la cancelación y desactivación de productos de manera eficiente y controlada.
Además, gestionamos la administración de siniestros, asegurando un manejo estructurado de incidentes y reclamaciones. Con el módulo de pase a gestión por mora, integramos herramientas de seguimiento y recuperación de deuda, mejorando la eficiencia en la gestión de clientes en riesgo.
Con Team Quality, agilice y automatice sus procesos operativos con una plataforma flexible y segura.
Gestión del Comercio
Nuestra plataforma hace posible que adquirentes, procesadores y fintechs puedan administrar de manera eficiente la relación con sus comercios, optimizando la operación y la experiencia de pago. Facilitamos el alta, parametrización y monitoreo de comercios en tiempo real, integrando reglas de negocio, tarifas, comisiones y programas de fidelización.
A su vez, brindamos herramientas avanzadas de reportes, conciliación y control de fraudes, asegurando transparencia y cumplimiento normativo.
Con Team Quality, los comercios pueden operar con mayor seguridad y flexibilidad, accediendo a un ecosistema de pagos dinámico y adaptable a las necesidades del mercado.
Advance of Vouchers
Infinitus enables merchants to receive an advance on vouchers quickly and securely, improving their liquidity without waiting for the full settlement cycle.
The system automatically calculates the associated financial charges, considering rates, dates, and agreed conditions, and integrates them into the closing and settlement processes.
This functionality is fully configurable and adapts to both traditional acquiring and aggregator models. It also integrates with the acquirer’s accounting systems, ensuring traceability, operational efficiency, and full control over advanced operation.
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