JPOS

jPOS is a free and open source library/framework that provides a high-performance bridge between card messages generated at the point of sale or ATM terminals and internal systems along the entire financial messaging network. jPOS is an enabling technology that can be used to handle all card processing from messaging, to processing, through reporting.

It can be used to implement financial interchanges based on the ISO 8583 standard and related protocols and currently supports versions 1987, 1993 and 2003 of the standard as well as multiple ANSX9.24 standards.

jPOS is a Java® platform-based, mission-critical, ISO-8583 based financial transaction library/framework that can be customized and extended in order to implement financial interchanges.

It is the de facto Open Source implementation of the international ISO-8583 standard giving users greater strategic freedom and lower costs. Since the jPOS.org project was launched in the late 1990s, jPOS-based software has been in production in more than 100 countries processing literally thousands of transactions every single second 7x24x365 for a wide range of clients, from Fortune-500 companies including the biggest credit card processors to small companies in need of utmost reliability at an affordable total cost of ownership.

As of today jPOS is supported by more than 2,000 developers and is in production in 5 continents processing millions of transactions including several 1,000 TPS solutions.

jPOS provides an open-source software bridge between ISO 8583-based messages and your internal processing networks and systems. As such, it serves as the messaging foundation for systems that exchange electronic transactions made by cardholders using payment cards. Whether an organization is tracking millions of transactions daily or tens of thousands, jPOS can be implemented to create a clean, efficient financial solution for documenting data associated with all transactions.

You can use jPOS underpinnings to build a switch implementation that replicates any and all of the features found in product offerings of major vendors. jPOS can help you act as acquirer or issuer, can be strict one-to-one or one-to-many, can do passthrough processing or act as host. jPOS eliminates most of the grunt work associated with complex ISO8583 messaging implementations and its corresponding security requirements, thus allowing you and your team to focus on more 'value added' activities like supporting new card products and/or features, new devices and new points of origination.

The jPOS framework greatly simplifies developers project tasks allowing them to build customer-focused applications including credit, debit, pre-paid, gift, loyalty card issuing and acquiring platforms, POS/ATM transactions, key management, switching, ISO-8583 load balancers and routers, stand-In processors, sealtime transaction scoring, tokenization servers, ISO-8583 v1987/1993/2003 protocol handlers and simulators, HSM integration and airtime topup among others.