Founded in 2008, PEX is an ‘end-to-end’ independent Third-Party Processor (TPP), based in Mauritius and certified by major cards associations including VISA for Card Issuing and Acquiring. PEX is among the few TPPs in the sub-Sahara African Region capable of providing Banks, the retail industry, and financial institutions with complete certified solutions. PEX is one of the most innovative and visionary companies in its field with an exceptionally high-level of expertise in all areas of the Payments Industry.
On the Issuing side, PEX has the capabilities of providing debit, credit, and prepaid card solutions as well as certified cards personalization services. On the acquiring side, PEX provides processing services for E- and m-commerce, ATM/POS/mPOS, mobile and QR. Moreover, PEX offers consultancy services in all areas of eBusiness, including planning, designing, and implementing card programmes. PEX is also a certified Perso bureau where magnetic stripe and chip cards can be personalized in a safe and approved environment.
Smartvista
Fully optimised card issuing services: Credit, Debit, Pre-loaded cards, Contactless cards, Loyalty programmes
Full suite of Customer/Card Management Services software
Account management programmes
E- and m-commerce gateways
Transaction authorisation: multi-currency & multi-institution
ATM & mPOS/POS acquiring
QR
Fraud prevention
Call centres
Solution Information
Category
Issuer Processor
Visa Credential and Card Support
Prepaid, Debit, Credit, Consumer, Small Business Commercial
In-Region Support
Yes
PCI Compliance
Yes
Testing and Environment Information
Solution Deployment
Cloud
Tenancy Architecture
One instance
Comprehensive APIs
Yes
Sandbox Testing Environment
Full testing and simulation environment for all APIs and test cases
Uptime Availability in Region(s)
99.9%
Solution Support
Visa Token Service (VTS) Support
No
Visa Direct Support
Yes
Visa QR Payments ("Scan to Pay" Support)
Yes
Customizable Authorization Decisioning
Yes
Reporting
Custom, API-based
Authorization Flow
Fully Managed, Partially Managed
Incremental Authorization
Yes
Additional Solution Information
Instant Funding / $0-Balance Transactions
Yes
Proprietary or Visa Access Control Server (ACS)
Yes
Risk-based Authentication (3DS 2.0)
Yes
Real-time Risk Scoring
Yes
Custom Fraud Rules
Yes
BIN Sponsor Connections
No
Program Management / End-to-End
Yes
Full-service Credit Program Management
No
Multi-currency Partitioning
Yes
Visa Value-added Services Integration
No
Other Value-added Services Integrations
Payment Gateways, Loyalty Solutions