E-commerce Secure Payment Solution
for Acquirer Banks and Financial Institutions
Built exclusively for acquirer banks and financial institutions, engineered for the future of digital commerce.
✔Architecture-ready for European Banking Integration
✔High Scalability with a Modular Design
E-commerce Secure Payment Solution
for Acquirer Banks and Financial Institutions
Built exclusively for acquirer banks and financial institutions, engineered for the future of digital commerce.
✔Architecture-ready for European Banking Integration
✔High Scalability with a Modular Design
What is Nestpay Torus?
Nestpay Torus is Payten’s e-commerce payment solution that helps acquirer banks serve their merchants in a secure, fast, and easy-to-adapt SaaS environment. With Nestpay Torus, Payten is positioned between the acquirer banks and the merchant—providing Virtual POS services in a SaaS model on behalf of the acquirer banks, backed by 24/7 operational and technical support provided by dedicated in-house teams.
Nestpay Torus is not limited to local operations; it is fully integrated with European markets, aligned with regulatory frameworks, and capable of managing payment operations at a global scale.
Serving 30+ financial institutions, its award-recognized infrastructure delivers enterprise-grade performance and reliability. With full PCI DSS Level 1 compliance, the platform upholds the highest standards of security and data protection.
Designed for the modern B2B2B ecosystem, Nestpay Torus is a PCI-DSS Level 1 compliant orchestration engine that streamlines CNP (Card-Not-Present) workflows.
It leverages a robust microservices architecture to provide acquirers with a scalable SaaS alternative to legacy systems. Supporting ISO ISO 8583 messaging standards and advanced authentication protocols like 3DS 2.2,
Nestpay Torus ensures frictionless flows and optimized authorization rates, backed by 24/7 technical operations managed by dedicated in-house teams to mitigate latency and soft declines.
How Nestpay Torus Works?
Nestpay Torus sits between the merchant and the acquirer bank, orchestrating the full authorization flow with financial-grade security standards.
- Once the cardholder places an order on the merchant’s checkout, the merchant forwards the authorization request to Nestpay Torus.
- Torus then applies the required security and control layers (such as 3D Secure when applicable, risk rules, and secure data handling), routes the request to the acquirer bank’s systems, and receives the authorization result.
- Finally, Nestpay Torus returns the response back to the merchant so the checkout can be completed seamlessly – delivering a fast, consistent payment experience while maintaining the acquirer bank’s compliance and operational control.
Core Capabilities
Rich Transaction Set
Multi-Language & Multi-Currency
Installments & Loyalty
Rule-Based Anti-Fraud Controls
3D Secure Readiness
Reporting & Follow-up
Developer-Ready from Day One
Nestpay Torus is designed to integrate fast and operate reliably in banking environments. With flexible integration options and a well-structured API approach, it enables different checkout models and supports common enterprise use cases such as ERP/CRM/IVR-driven payment initiation.
To accelerate time-to-market without compromising security, Nestpay Torus also offers PCI DSS-compliant card registration experiences and a customizable, mobile-friendly hosted payment page helping acquirer banks and financial institutions as well as their merchants launch quickly with a consistent checkout flow.
Bank-Grade Security and Compliance Built in
Nestpay Torus is built for acquirer banks that need more than payment routing. It combines compliance-ready controls, modern authentication support, and operational governance capabilities to help institutions scale digital commerce securely across merchants, regions, and evolving regulatory requirements.
Compliance & Standards
Nestpay Torus is designed for regulated acquiring environments and aligned with enterprise-grade security and payment processing requirements. The platform supports PCI DSS Level 1 compliant operations, secure card data handling, and standards-based transaction messaging to help acquirer banks modernize securely without compromising control.
- PCI DSS Level 1 aligned operating model
- ISO 8583 messaging support
- Secure card storage and tokenization
- Network tokenization support
- 3DS 2.2 / 2.3 readiness
Audit, Monitoring & Operational Governance
Nestpay Torus gives acquirer banks the visibility and control required in enterprise-scale payment ecosystems. Strong monitoring, reporting, and operational governance capabilities help teams manage audit readiness, risk policies, transaction follow-up, and service continuity across a growing merchant base.
- Centralized transaction monitoring
- Audit-friendly reporting and traceability
- Operational risk and compliance controls
- Parametric rule and restriction structures
- Business continuity and disaster recovery support
- 24/7 technical operations support provided by dedicated in-house teams
Authentication, Fraud & Transaction Control
The platform helps acquirer banks optimize authorization quality while reducing fraud exposure through layered security and transaction intelligence. From 3D Secure flows to configurable rules, velocity checks, and exemption handling, Nestpay Torus supports frictionless payment experiences without weakening risk posture.
- 3D Secure orchestration
- SCA Exemption Engine with TRA support
- Velocity checks at gateway level
- Behavioral and rule-based fraud controls
- Risk-based restrictions by card, merchant, and transaction type
- Network-level fraud mitigation and multi-layer DDoS protection
Value Added Services
- Nestpay Torus ensures 24/7 assistance provided by dedicated in-house teams across multiple regions, languages, and time zones, delivering uninterrupted operational confidence for acquirer banks and merchants.
- Dedicated test and technical support
- Integration with alternative payment methods
- Wallet payments
Modern Architecture for High-Volume Acquiring
Nestpay Torus is built for acquirer banks that need more than payment routing. It combines compliance-ready controls, modern authentication support, and operational governance capabilities to help institutions scale digital commerce securely across merchants, regions, and evolving regulatory requirements.
Microservices at Scale
Nestpay Torus is built on a modern, scalable microservice architecture designed for high-volume acquiring environments. Powered by relational and distributed database structures and managed in a container-based ecosystem, it helps acquirer banks achieve resilience, flexibility, and operational continuity as transaction demand grows.
OpenShift-Managed Container Platform
Managed in a modern container-based environment, Nestpay Torus supports consistent deployment, operational resilience, and scalable service orchestration across high-availability payment operations.
High-Performance Transaction Throughput
Designed for peak-on-peak periods such as seasonal campaigns, high-volume merchant events, and traffic surges, the platform processes payment flows with low latency and enterprise-grade stability.
Continuous Upgrades with Minimal Disruption
Carrier-grade systems are built to handle “Peak-on-Peak” loads (e.g., Black Friday or a flash sale)
Microservices at Scale: We decouple the 3DS Authentication service from the Authorization service. This ensures that a spike in authentication requests doesn’t bottleneck the clearing and settlement flow.
Sub-Second Latency: From the moment a CNP “Pay” button is clicked to the final authorization response, the gateway processing time is measured in milliseconds, even with complex fraud mitigation tools and velocity checks running in the background.
Hot Swapping: Updates to the API or security patches are deployed via “Canary” releases. Minimizing “Gateway offline for maintenance.”
Ready for 3DS 2.2 / 2.3
Providing Exemption Management with “SCA Exemption Engine” that utilizes Transaction Risk Analysis (TRA) to request exemptions for low-value or low-risk payments, maximizing “frictionless flows.” eklenebilir
Extend Nestpay Torus with Optional Modules
Nestpay Torus can be expanded with modular add-ons that help acquirer banks and merchants support additional payment scenarios without changing the core acquiring backbone.
Choose the modules you need today and scale the capability set as your merchant base, channels, and collection models evolve.
MerchantSafe
(Secure Card Storage & Tokenization & Network Tokenization )
MassPay
(Batch & Recurring Collections)
Automate high-volume, recurring payment collection use cases (e.g., associations, schools, foundations, membership-based organizations) with reliable batch processing.
PaybyLink
(Secure Payment Link)
Collect payments via a secure, shareable link that directs customers to a protected hosted payment page.
Ideal for remote or assisted sales.
Disaster Recovery Center
(Business Continuity)
Maintain payment continuity during major incidents with disaster recovery capabilities designed to support operational resilience.