What is ASTRA

A modular and comprehensive Omnichannel EFT & Digital Switching solution

Maximus ASTRA, is a comprehensive, high-performance, PA-DSS certified EFT & Digital Switching solution that is a complete stack built on scalable technology architecture to meet every payment-related requirement and more.

Maximus ASTRA – Omni Channel Switching Variants
  • EFT Switch
    • ATM, POS &Ecom
  • Digital Payment Switch
    • Micro ATM
    • AEPS
    • DMT
    • BBPS
  • IMPS Switch
    • Branch IMPS
    • Mobile IMPS
    • ATM IMPS
  • UPI Switch
  • NCMC Switch
  • NETC FASTag Switch

The Switching solution is offered on opex model in PCI-DSS certified environment. The solution is CBS-agnostic and supports various card networks like RuPay, VISA, MasterCard, JCB (Japan Credit Bureau), Union Pay (China), Discover and others.

With ASTRA, Maximus offers the whole gamut of payment tech rails for the fast evolving payment ecosystem. That said, the solution offers  flexibility of opting for a specific service or a number of services.

ASTRA Highlights

How ASTRA Works

1

Processes Transactions

The customer will initiate a transaction at different channels. ASTRA analyses the request, processes and converts it into the format understood by the host and based on the host’s response, sends the command to the respective payment channel or other hosts to complete the transaction.

2

Connects Customers and Bank CBS

ASTRA acts as a crucial link in enabling efficient and agile payment services to connect multiple customer touchpoints with the bank’s Core Banking systems. It is a terminal controller and communication gateway connecting customers to the bank’s host.

3

Allows Remote Configuration

ASTRA lets the bank configure its ATM and other payment channels remotely by uploading details of various state and screen flows.

4

Remote Terminal Management

Astra further allows the bank to remotely make the terminals online or offline, upload currency cassette configuration and other critical parameters.

ASTRA Features

ASTRA comes with a rich suite of real-time alerts and MIS reports for facilitating both reactive and proactive support.
Informative dashboards provide insights to top management on transactions taking place across the different payment channels.
ASTRA can be easily integrated with Card Management System, Remote Monitoring, FRMS and any other 3rd party system through various API formats.
ASTRA takes care of transactions like –
  • Balance Enquiry
  • Cash Withdrawal
  • Mini Statement
  • Cash Deposit
  • PIN Change
  • Card to Card Fund Transfer
  • Cheque Book Request
  • Statement of Account Request
  • Aadhaar Number Seeding
  • Mobile Banking Registration
  • Card less cash withdrawal

Benefits of ASTRA

  • Robust and versatile with company owned IPR which facilitates the customization of turnaround time for transactions beyond the bank’s business hours.
  • Support Multiple Channels like Self Service Terminals, Micro ATM, POS, eCom, Mobile App
  • Support various Cash, Non-Cash and Digital Transactions.
  • Easily configurable with most of the known CBS and end points.
  • A versatile interface and an open architecture afford easy integration with other networks, broadening service to customers.
  • Remote configuration and monitoring of ATM states by ASTRA bring down support costs and ensure real-time processing, quick response, and seamless payments across channels for enhanced customer experience.

Successful Integration

ASTRA has been successfully integrated with major national financial switches such as -
NPCI of India
Royal Monetary Authority of Bhutan
Afghan Payment Switch of Afghanistan
SCT of Nepal

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