Smart payment router SmartStream

Smart payment router SmartStream

SmartStream allows you to consolidate payment flows in one place. It increases the efficiency of service management and brings transaction business rules together in one place.

The product is used to make various payments through a single entry point to different payment systems and directly to service providers. It allows keeping records of financial settlements with suppliers and creating analytical information in the form of various reports.


  • Combination of payment flows in one place
  • Effective management of services in order to maximize profits (making payments through various payment systems)
  • Combination of full information on payments, remuneration paid and other necessary information in one place

Target audience

  • ATMs
  • Payment terminals
  • Internet bank
  • POS terminals
  • Work stations

SmartStream has a convenient interface to manage a back office and allows you to perform the following operations:

Sales channels

  • Creation of services for accepting payments
  • Creation of service suppliers/providers (both payment systems and direct service providers)
  • Creation and grouping of various payment acceptance channels

Financial rules

  • Management of remuneration rates for services from providers
  • Maintaining history of changes in rates and the possibility of changing ratesм
  • Creating simple and complex remuneration rates at fixed and percentage values
  • A built-in system for settlement with suppliers that operate based on post payment principles.
  • Viewing debts by days. Possibility of viewing and creating transfers based on payment orders

Analytical reports

  • Analysis of payment turnovers by providers in different sections, as well as analysis of remuneration to be paid
  • Viewing financial information on specific suppliers in their time zone
  • Analysis of analytical information by amounts of payments made in various sections. Graph plotting
  • Ability to upload all reports in Excel

Operation monitoring

  • Monitoring of personal account balance for suppliers working under a prepayment system
  • Monitoring changes in personal account balances of suppliers by hours and days, and forecasting the necessary working capital for future periods
  • Monitoring payments made. Ability to view payment queues grouped by services, providers and payment status
  • A payment search subsystem with various filters. Full details for each payment

Technical operations

  • Setting up automatically dispatched daily registers and monthly reports with the use of random templates and file types (excel, txt, dbf). Support for encryption of registers
  • Sending of registers/reports by email and FTP. Dynamic creation of file names and topics of letters
  • Viewing of register sending tasks. Ability to manually retry sending
  • Role security system. Ability to create arbitrary roles with access to various sections
  • Setting up, and, "in one-click", switching payments directions under a specific service or all at once through one of the suppliers or payment systems
  • The protocols of all popular payment systems such as Cyberplat, OSMP, Eport, Rapida, and Pay-logic are supported 
  • Management of back office connection protocols
  • Fast deployment of unique protocols of a bank
  • More than 800 sold payment gateways for payment of more than 3,000 different federal and local services
  • Dynamic switching between suppliers to carry out the same services under different criteria
  • Selection of a profitable supplier in terms of remuneration rates
  • Switching by default to another supplier once the other supplier experiences technical malfunctions
  • The entire communication is done over an encrypted channel through HTTPS
  • Use of digital signature (SHA1 + RSA)
  • Use of certified cryptographic means – CRYPTO-PRO, Signal-COM
  • User authentication both by password and by personal certificate
  • Storage of certificates on electronic USB keys (eToken)
  • Use of virtual keyboard to enter password
  • Limit of user login by IP address and by working time
  • Two-factor authentication - after entering a password or after certificate authentication, entering a code is required in addition. The code is sent as an SMS to the client's phone