Transaction Processing for Retail Banks

The Electrum Retail Banking Payments Platform is a high performance real-time enterprise transaction processing solution for the secure, reliable processing of retail banking transactions. The feature rich product set plugs into middleware infrastructure for easy systems integration.

Specifically designed for banks operating in emerging markets, Electrum Retail Banking not only supports card transactions but also mobile banking, e-commerce, money transfer, prepaid products, loyalty, e-wallets and bill payments.

Electrum Retail Banking Platform has been built to provide the agility necessary to support new and emerging transaction types. It also comes with a wide range of legacy integrations to leverage your existing investments. Electrum eliminates the need to process all transactions through a card switch.

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Retail Banking Platform Features

Open Systems, High Performance

Electrum is built in Java and runs on several commonly used database management systems. Currently used by some of the largest retailers and banks in Africa to process billions of transactions annually.

Ideal for Reducing IT and Operations Risk

Electrum maintains an in-house team of IT and operational risk experts for continuous risk management processes. Customers can access our extensive documentation library to achieve organisation risk management goals, standards and certifications, such as ITIL COBIT PCI-DSS and ISO27001.

Proven Reliability

Redundant software architecture provides extremely reliable service without arcane monolithic hardware technology. Customer reference sites provide first-hand evidence.


Encapsulates complex business orchestration logic in re-useable components.

Easy-to-Use API’s

Electrum publishes RESTful API’s for rapid development, testing and integrations.

Cloud-first design

Take advantage of cloud technology in private, hybrid or open cloud deployments. Electrum technology is built cloud-first to maximise the benefits of cloud computing environments. 

Continuous Delivery and MicroServices

Automated independent service deployments allow for continuous delivery solution development processes, ideal for large complex banking organisations.

Support for Industry Standards

Electrum supports banking industry standards as well as those of new emerging technologies.

Supported Messaging Formats

Electrum supports most messaging formats including ISO8583 variants, ISO20022, Restful JSON and SOAP XML. Mature developer tools minimise the time and cost required to bring payment integrations online.

Developer Resources

Payment platforms to accelerate and grow your business further