Card switch and acquiring

Janus — card switch and acquiring

Janus is the card switch. It is designed to route card messages between the bank, ATMs, POS terminals and the card networks, and to handle merchant acquiring.

For your technology team. Janus works with Vulcan, Talos, Plutus / Terminus, Titan and Libra. Talk to us about how it would fit your institution's setup.

What it does

  • Routes card messages between cards, ATMs, POS terminals and the card networks.
  • Acts as the bank's ATM and BancNet integrator.
  • Onboards merchants for card acquiring, with fees, settlement and acquirer chargebacks.
  • Asks Talos for a fraud decision in the card approval path.
  • Sends merchant settlement postings to Titan.

Who uses it

Card and switch operations staff, through Vantage, and the platforms that send card traffic: Vulcan, Plutus and Terminus.

Detail for your technology team

  • Vulcan: card authorization for the bank's own cards
  • Talos: fraud rules in the approval path
  • Plutus / Terminus: aTM and POS traffic
  • Titan: merchant settlement postings
  • Libra: switch logs for reconciliation

How it connects

Janus CONNECTS TO Vulcan Card authorization for the bank's own cards Talos Fraud rules in the approval path Plutus / Terminus ATM and POS traffic Titan Merchant settlement postings Libra Switch logs for reconciliation
Connections named on this page, with the platform marks. The diagram does not show balances or a live screen.
  • VulcanCard authorization for the bank's own cards
  • TalosFraud rules in the approval path
  • Plutus / TerminusATM and POS traffic
  • TitanMerchant settlement postings
  • LibraSwitch logs for reconciliation

What it is not

The card issuing record (Vulcan); the ledger (Titan); fraud cases (Sentinel).