Electra Cards Solution (ECS)

ELECTRA SOLUTIONS SUITE The electraTM Solution Suite is recognized globally for its performance, scalability and change responsive nature. Electra Cards Solution (ECS) provides turnkey solutions to banks and financial institutions. Our Solution Suite includes Card Solutions, Prepaid Card Solutions, EFT Switch Solutions and e-commerce Solutions. ECS has successfully provided solutions to Fortune 500 financial institutions across the continents. CARD SOLUTIONS ECS provides financial institutions with card processing services that are tailor-made to suit market requirements. With agile-processing, a cost effective deployment and continuous innovation, we provide institutions worldwide with an outstanding value proposition. We offer EMV compliant Credit Card Solutions to address the complete life cycle of a card– from application processing to cardholder statements generation. ECS also provides solutions for managing collection as well as monitoring and preventing fraud.

  • electraDEBIT
  • electraCREDIT
  • electraGUARD
  • electraCOLLECT
  • electraMERCHANT


electraDEBIT is a comprehensive EMV compliant, multi-banking card management system providing the full range of services to card issuers. electraDEBIT supports products of international payment associations as well as other specialty proprietary cards. By providing a faster go-to-market, it enables issuers to launch a varied bouquet of products and services, thereby enabling them to differentiate their offerings using an optimal price point.

Key Features:

  • Powerful facility to define an unlimited range of card products
  • Fully EMV compliant
  • Multiple reconciliation model
  • Payment schemes compliant dispute processing systems
  • Reward programs for customers Integrated customer care module


electraCREDIT is a comprehensive EMV compliant credit and charge card management solution. Its main business functions include application processing, card life-cycle management, transaction processing, clearing and settlement, billing and statement generation, payment processing, dispute management, merchant management, loyalty programs, risk management and customer care.

Key Features:

  • ‘Universal lending’ platform architecture
  • Modular for greater flexibility
  • Open platform for seamless inter-operability
  • Multi-institution, multi-currency and multi-lingual support


electraGUARD is a rule based online solution for monitoring and prevention of fraudulent transactions. It helps in minimizing exposure to risk by identifying possible fraudulent card transactions during the post-acquisition stage.

Key features:

  • Monitors transactions of all international and national card schemes and supports credit, debit and ATM cards.
  • Easily integrates with host systems, both in on-line or off-line modes.
  • Provides a powerful and user-friendly rules engine.
  • Rules analyze spend behavior based on intelligent mining of historical transaction data.
  • Provides exhaustive case management functionality.


The electraCOLLECT is a comprehensive, web-enabled rule based system that supports both secured and unsecured loans. It includes modules for monitoring performance of recovery agents and the billing of agencies as well.

Key features:

  • electraCOLLECT is web based and supports online access of cases by collection agents distributed across geographies
  • It is a rule based system, enabling an institution to configure and manage rules and associated parameters
  • It supports in-house collection teams and external collection agencies


electraMERCHANT is designed for multi-institution, multi-country, multi-currency environments. It includes Merchant Application Processing, Terminals and Stores set up, Merchant Statements, Settlement Processing and Merchant Care. It also supports 'Discount Plans' that help institutions define different rates based on card product, card association, merchant turnover, transaction type, transaction status and transaction entry mode.

Key features:

  • Multi-Institution, Multi-Currency support
  • Full-fledged platform to support acquiring functions
  • Compliant with MasterCard and Visa interchanges
  • Merchant segment based discount plans
  • Highly configurable and scalable system
  • Built on open standards
  • Ease of use to increase productivity
  • Reduces operational costs
  • Interface using web services


electraPREPAID from ECS is a solution for closed and open loop prepaid and stored value cards such as payroll cards, gift cards, travel cards, remittance cards, campus cards and retail cards. Features of the product include web-based multi-lingual user interface, comprehensive due diligence (KYC) controls, management of inventory as well as sales and distribution channels and web services APIs to allow customer self-care through the Internet.


electraPREPAID is a web based feature-rich prepaid card solution that supports and manages various flavors of prepaid cards such as payroll cards, gift cards, travel cards, general purpose retail cards, benefit cards and campus cards.

electraPREPAID provides end-to-end requirements of a prepaid card issuer including program management, card life-cycle management, registration, fee management, authorizations, transaction processing, account funding, dispute management, risk management, customer care and cardholder self-care.

It is designed ground up for multi-institution, multi country, multi-lingual, multi-currency environments. Its robust and tested 3 tier architecture delivers optimal processing power to handle data intensive issuing and authorization functions.

Key Features:

  • Supports all flavors of pre-paid cards.
  • Includes web based, multi lingual user interface.
  • Comprehensive know your customer (KYC) controls.
  • APIs for easy integration to third party applications.


The EFT Switch Solution from ECS provides an integrated platform for processing transactions originating across delivery channels such as ATMs, BNAs, POS or new age channels such as Internet, Mobile and IVR systems. Our EFT Switch authorizes transactions, interfaces with various centralized and distributed hosts and routes transactions to international payment networks such as VISA, MasterCard & AMEX.


electraSWITCH from the ECS stable is a new generation EMV compliant EFT authorization and routing switching solution that seamlessly bridges real world and virtual payment channels. The electraSWITCH provides financial institutions with an open platform based high availability solution to deliver services through ATMs, Kiosks, Bunch Note Acceptors, Cash Deposit Machines, POS, Internet, Telephone, and the Mobile.

electraSWITCH has been successfully deployed to address and meet some of the most complex business and technical challenges faced by the financial industry in recent times.

Key Features:

  • Integration and management of various self-service channels e.g. ATM, POS, Internet, Kiosk, Mobile
  • Transaction authorization and routing between touch points and authorization destinations
  • Interface services to all external systems, including customer back-end hosts, credit card systems, interchanges (VISA, MasterCard, AMEX)
  • Biometric ATMs support
  • Systems monitoring including maintaining information on the switching operations and performance
  • Capability to transport transaction requests and responses across channels and to authorization destinations in a completely secure manner electra Message Mapper for easy integration to third party solutions
  • Certified for industry standards – ISO 8583/XML, PA-DSS, IFX, EMV
  • Multi-platform configuration:
    • Hardware: HP NonStop, IBM, Sun ,HP, Exadata
    • OS: NonStop OSS, AIX, Linux, HP-UX, Solaris 11
    • Middleware: Pathway, Tuxedo ,, Weblogic Server 11g R1
    • Database: SQL-MX, Oracle 11g R2


electraECOMM offers card holders, merchants and financial institutions a solution that enables secure acquisition, processing and routing of online e-commerce transactions.

electraECOMM is a real time payment processing solution that supports all major credit and debit cards from global payment processing networks. It provides transaction acquiring and processing interfaces to Web Merchants, Customers, EFT Switches & Acquirer Networks. electraECOMM is a highly configurable and sophisticated routing solution to manage authorization of payment transactions received over the Internet.

Key Features :

  • Supports Internet, IVR, kiosks and WAP e-payment channels
  • Multiple bank accounts, card types and currencies support for merchants
  • Seamless transaction processing
  • Ease of integration
  • Real time monitoring
  • Enhanced security
  • ACH interface Load balancing and failover protection


electraMPI is a centralized Merchant Server Plug-in, which can be integrated with any Payment Gateway that supports 3-D Secure.

Key Features:

  • A centralized MPI which can be integrated with any Internet Payment Gateway that supports 3-D Secure
  • Supports all kinds of debit and credit cards
  • Minimal integration for merchant websites
  • Single MPI for multiple merchants
  • Supports standard Internet browser as well as Mobile (WAP) protocol
  • electraACS supports the current versions of Verified by Visa and MasterCard Secure Code


electraACS (Access Control Server) protects Visa and MasterCard card holders and issuers from fraudulent e-commerce transactions.

Key Features

  • Certified by Visa and MasterCard
  • electraACS supports the current versions of Verified by Visa and MasterCard Secure Code
  • Includes an Enrollment Server to enable an issuer to enroll cardholders.
  • Supports 'Attempts' ACS functionality.

Why Soft Solutions Limited (SSL)?

Soft Solutions Limited (SSL) founded in 1994, has emerged as one of the leading IT solutions and consulting companies in Nigeria.

SSL helps customers address enterprise challenges by providing comprehensive solutions that combines innovative models and technologies with passion to solve business problems

We deliver technology solutions that are cost effective, easy to use and adaptive to enable next level growth. Our solutions provide the platform for an agile ICT environment that drives an organization towards set objectives. They instantly transform any organization and deliver visible return on Investment.

At SSL, we are pragmatic consultants who bring an implementation perspective to all our work. We realize that elegant solutions are meaningless unless they can be translated into sustainable business value.

Soft Solutions Limited partners with Electra Cards Solutions (ECS) in Nigeria. ECS is one of the leaders in the Credit and Payments Industry. They offer customers flexible choices to reach out to the growing payments market and address high performance, change management and cost efficiency challenges of the industry.

E-mail: marketing@ss-limited.com

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