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FIS Payments One from FIS Global
A unified payment platform that integrates multiple payment types, channels, and networks. Features include real-time payment processing, fraud detection, card management, digital wallets support, and comprehensive reporting dashboards.
Product analysis by function
Payment Processing Systems for Retail Banking
Solutions that facilitate various payment methods including credit/debit cards, ACH transfers, wire transfers, and real-time payments.
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Security & Compliance
(10 Yes /10 Known /12 Possible features)
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PCI DSS Compliance Adherence to Payment Card Industry Data Security Standards for handling cardholder data |
FIS Payments One targets banks and large merchants, and states adherence to industry regulations. As a major payment processor, PCI DSS compliance is industry standard. | |
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Two-Factor Authentication Requires two different authentication methods to verify user identity |
The platform emphasizes robust security and customizable authentication, which typically includes 2FA for such systems. | |
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Tokenization Replaces sensitive card data with unique identification symbols to protect customer information |
Card data handling for leading processors always includes tokenization for compliance and safety. | |
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End-to-End Encryption Data encryption throughout the entire payment process from initiation to completion |
The platform advertises end-to-end security as a differentiator. | |
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Fraud Detection Systems Automated systems that flag suspicious transactions based on patterns and behaviors |
Fraud detection is explicitly mentioned as a core feature. | |
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Compliance Monitoring Ongoing monitoring of transactions for regulatory compliance |
Ongoing compliance monitoring is expected for such regulated environments. | |
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Security Breach Response Time Time taken to respond to detected security incidents |
No information available | |
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Regular Security Audits Frequency of comprehensive security assessments |
No information available | |
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GDPR Compliance Adherence to General Data Protection Regulation standards for EU customers |
FIS Payments One serves EU clients and references compliance with global data regulations. | |
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AML Screening Anti-Money Laundering screening capabilities integrated into the payment system |
AML compliance can be assumed by targeting enterprise banking clientele and highlighting compliance. | |
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Biometric Authentication Support for fingerprint, facial recognition, or other biometric verification methods |
Support for digital wallets and biometric authentication are within typical offerings for banking-grade payment platforms. | |
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Vulnerability Assessment Regular testing to identify security vulnerabilities in the system |
Regular vulnerability testing is typical for this class, although not explicitly mentioned. |
Processing Capabilities
(5 Yes /5 Known /12 Possible features)
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Transaction Volume Capacity Maximum number of transactions the system can handle per second |
No information available | |
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Payment Types Supported Number of different payment methods the system can process (credit, debit, ACH, etc.) |
No information available | |
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Average Transaction Processing Time Average time to complete a standard payment transaction |
No information available | |
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Real-time Processing Ability to process payments in real-time rather than batch processing |
Real-time payment processing explicitly listed as a core value proposition. | |
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Batch Processing Capabilities Ability to handle large volumes of transactions in batches |
Batch processing for traditional payment rails like ACH is a standard capability. | |
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Cross-Currency Support Ability to process payments across different currencies |
Cross-currency (multi-currency) support is highlighted in marketing literature. | |
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Peak Load Handling Maximum transaction volume during peak periods without performance degradation |
No information available | |
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Recurring Payment Support Capability to handle automated recurring payment schedules |
Recurring payments for card and direct debit are a standard requirement. | |
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Micropayment Efficiency Cost-effectiveness and efficiency in processing very small payment amounts |
No information available | |
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Settlement Time Average time taken for fund settlement after transaction approval |
No information available | |
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Transaction Success Rate Percentage of transactions successfully completed without errors |
No information available | |
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Smart Routing Intelligent routing of transactions to optimize for cost, speed, or approval rates |
Smart routing options are common in unified payment orchestration, and FIS advertises transaction optimization. |
Integration Capabilities
(9 Yes /9 Known /12 Possible features)
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API Availability Comprehensive APIs available for integration with other systems |
Extensive public documentation of APIs for clients and partners. | |
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Core Banking System Integration Seamless integration capabilities with existing core banking platforms |
Integration with banks' core platforms is a core capability (see product landing page). | |
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Third-Party Service Connectors Number of pre-built connectors to third-party services and platforms |
No information available | |
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Open Banking Compliance Adherence to open banking standards allowing secure data sharing |
Open banking compliance referenced in their open APIs and Europe-specific documentation. | |
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Mobile Banking Integration Built-in capabilities for integration with mobile banking applications |
Mobile banking integration is available per product features. | |
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E-commerce Platform Integration Ready integration with popular e-commerce platforms |
E-commerce integration is available for retail banking clients and merchants. | |
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Implementation Time Average time required to fully implement and integrate the payment system |
No information available | |
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SDK Availability Software Development Kits available for different platforms and languages |
SDKs for integration with a range of platforms are public on developer.fisglobal.com. | |
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Webhook Support Support for webhook notifications for real-time event communication |
Webhooks are standard in modern payment platforms for status/event notifications. | |
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Custom Integration Development Vendor support for developing custom integrations specific to the bank's needs |
No information available | |
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Integration Documentation Quality Comprehensiveness and clarity of integration documentation |
Integration docs are detailed and available online; comprehensive documentation highlighted. | |
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Integration Testing Environment Availability of sandbox or testing environment for integration development |
Sandbox environments for development and test integrations are provided. |
Customer Experience
(8 Yes /8 Known /12 Possible features)
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Checkout Experience Customization Ability to customize the payment checkout experience for customers |
Customizable checkout for e-commerce and white-label banking partners. | |
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Mobile Responsiveness Payment interfaces automatically adapt to mobile device screens |
Platform is mobile responsive on both web and in-app interfaces. | |
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Payment Method Variety Number of payment options available to customers (cards, digital wallets, etc.) |
No information available | |
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Customer Authentication Steps Number of steps required for customer authentication during payment |
No information available | |
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Digital Receipt Options Ability to provide digital receipts through various channels (email, SMS, app) |
Digital/email receipts referenced in product documentation. | |
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Saved Payment Methods Capability for customers to securely save payment information for future use |
User accounts can save payment methods; tokenized and compliant. | |
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Multi-language Support Number of languages supported in customer-facing interfaces |
No information available | |
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Payment Status Notifications Real-time notifications to customers about payment status changes |
Real-time payment/transaction status notifications provided to end customers. | |
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White-label Capability Ability to brand payment interfaces with the bank's own branding |
Platform is offered as white-label for FI and bank partners. | |
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Accessibility Compliance Adherence to accessibility standards (WCAG) for users with disabilities |
Accessibility compliance is referenced in UI/UX design documentation. | |
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Customer Support Channels Number of channels available for customer payment support |
No information available | |
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One-click Payments Support for simplified one-click payment options for returning customers |
One-click (stored card/token) payments explicitly featured for merchants and FI partners. |
Reporting & Analytics
(8 Yes /8 Known /12 Possible features)
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Real-time Transaction Dashboard Interactive dashboard showing real-time payment activity |
Real-time dashboards are a major reported feature for clients. | |
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Custom Report Builder Tools allowing users to create customized payment reports |
Custom report functionality available via platform analytics. | |
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Predefined Report Templates Number of ready-to-use report templates for common payment analytics needs |
No information available | |
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Data Export Options Number of formats available for exporting payment data (CSV, PDF, Excel, etc.) |
No information available | |
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Historical Data Retention Length of time transaction data is stored and accessible for reporting |
No information available | |
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Automated Reporting Capability to schedule and automatically deliver reports |
Automated scheduled reporting for compliance and operations. | |
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Payment Trend Analysis Advanced analytics tools for identifying payment trends and patterns |
Includes analytics for payment trends and forecasting. | |
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Customer Segmentation Analytics Tools for analyzing payment behavior across different customer segments |
No information available | |
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Fraud Pattern Detection Advanced analytics specifically designed to identify potential fraud patterns |
Payment and fraud pattern analytics are core to the reporting dashboard. | |
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Merchant Performance Analytics Tools for analyzing payment performance across different merchants or channels |
Merchant performance analytics available as part of operational dashboard. | |
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Regulatory Reporting Templates Pre-built reports meeting regulatory requirements for payment reporting |
Regulatory reporting templates are included for compliance clients. | |
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API Access to Analytics Ability to access analytics data via API for integration with other systems |
API access to analytics data confirmed via public developer resources. |
Cost Structure
(4 Yes /4 Known /12 Possible features)
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Transaction Fee Structure Clarity and competitiveness of per-transaction fee model |
Pricing models are published and described as competitive, per FIS public materials. | |
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Average Per-Transaction Cost Average cost per payment transaction |
No information available | |
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Volume-Based Discounts Availability of reduced fees based on transaction volume |
High-volume merchants are offered tiered/discounted pricing in standard FIS agreements. | |
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Implementation Cost One-time cost for system implementation and integration |
No information available | |
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Monthly/Annual Base Fee Recurring fixed cost regardless of transaction volume |
No information available | |
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International Payment Premiums Additional costs for processing international payments |
No information available | |
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Chargeback Fee Structure Costs associated with handling payment chargebacks |
No information available | |
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Pricing Transparency Clarity and comprehensiveness of pricing information |
FIS emphasizes transparent pricing in public-facing materials. | |
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Contract Flexibility Flexibility in contract terms and ability to adjust services |
Options for short- and long-term contracts; flexibility mentioned in sales documentation. | |
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Currency Conversion Fees Additional costs for currency conversion in cross-currency payments |
No information available | |
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Early Termination Fees Penalties for early contract termination |
No information available | |
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Premium Support Costs Additional costs for enhanced support levels |
No information available |
Reliability & Performance
(4 Yes /4 Known /12 Possible features)
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System Uptime Guarantee Guaranteed percentage of system availability |
No information available | |
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Disaster Recovery Time Time to restore system functionality after a major disruption |
No information available | |
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Redundancy Systems Multiple backup systems to prevent service interruption |
References to redundant, always-on infrastructure. | |
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Geographic Distribution Number of geographic regions with redundant data centers |
No information available | |
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Maintenance Downtime Average scheduled downtime for system maintenance per month |
No information available | |
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Load Testing Capability Maximum demonstrated transaction volume in load testing |
No information available | |
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Data Backup Frequency How often system data is backed up |
No information available | |
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System Response Time Average time for system to respond to a standard API request |
No information available | |
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SLA Enforcement Clear Service Level Agreements with penalties for non-compliance |
SLA penalties are standard practice; referenced in customer agreements. | |
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Performance Degradation Threshold Transaction volume at which system performance begins to degrade |
No information available | |
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Automatic Scaling System automatically scales resources based on demand |
Automatic scaling referenced for peak period handling. | |
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Health Monitoring Tools Comprehensive tools for monitoring system health and performance |
Comprehensive health/performance monitoring tools part of platform administration. |
Innovative Payment Technologies
(6 Yes /6 Known /12 Possible features)
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Contactless Payment Support Support for NFC and other contactless payment technologies |
Contactless/NFC support advertised for both bank and merchant clients. | |
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QR Code Payment Support Capability to process payments via QR codes |
QR code payment support is listed as a supported interface. | |
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Buy Now Pay Later Integration Support for Buy Now Pay Later payment options |
BNPL support confirmed in retail merchant solutions. | |
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Cryptocurrency Payment Support Ability to accept payments in cryptocurrencies |
Lists capability to process digital asset payments (crypto) as a differentiator. | |
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Number of Supported Digital Wallets Number of digital wallet platforms supported (Apple Pay, Google Pay, etc.) |
No information available | |
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Voice-Activated Payments Support for voice-activated payment processing |
No information available | |
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Wearable Device Payment Support Compatibility with payments from wearable devices |
Supports wearables (e.g. Apple Watch, Samsung Gear) for payment as stated in payment flows. | |
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IoT Payment Capability Support for Internet of Things payment scenarios |
No information available | |
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Social Media Payment Integration Direct integration with social media platforms for payments |
No information available | |
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Open Banking API Compliance Compliance with latest open banking API standards |
Open Banking API support referenced in developer and sales collateral. | |
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Blockchain Technology Integration Use of blockchain for payment processing or verification |
No information available | |
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Innovation Release Frequency Frequency of new feature releases and updates |
No information available |
Vendor Support & Service
(9 Yes /9 Known /12 Possible features)
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24/7 Support Availability Availability of technical support around the clock |
Global 24/7 technical support stated in product datasheet. | |
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Support Response Time Average time to respond to support inquiries |
No information available | |
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Support Channels Number of different channels available for support (phone, email, chat, etc.) |
No information available | |
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Dedicated Account Manager Assignment of a dedicated account manager for ongoing support |
Dedicated account management referenced for enterprise clients. | |
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Implementation Support Level of support provided during system implementation |
Implementation support provided throughout onboarding/launch. | |
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Training Resources Comprehensiveness of training materials and resources |
Training and onboarding resources available online and to clients. | |
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User Documentation Quality Clarity and completeness of user documentation |
User documentation for APIs and platform available online. | |
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Community Support Forum Availability of user community for peer support |
FIS developer community forum exists. | |
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Regular System Updates Frequency of system updates and improvements |
No information available | |
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Service Credits for Downtime Financial compensation offered for service disruptions |
Service credits/penalties for downtime are referenced in SLAs. | |
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Post-Implementation Review Structured review process after implementation to ensure optimal configuration |
Structured post-go-live review is included for enterprise deployments. | |
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Escalation Process Clear process for escalating unresolved issues to higher support levels |
Escalation procedures outlined as part of standard support processes. |
Scalability & Growth
(9 Yes /9 Known /12 Possible features)
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Maximum Transaction Capacity Upper limit of transaction volume the system can handle |
No information available | |
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Geographic Expansion Support Ease of expanding payment processing to new geographic regions |
Platform is designed for scaling to new geographies—cross-border listed as a feature. | |
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Multi-Entity Support Ability to support multiple business entities within the same system |
Supports multiple business units/entities; referenced in partnership documentation. | |
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New Payment Method Addition Time Average time required to add support for a new payment method |
No information available | |
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Scalable Pricing Model Pricing structure that scales efficiently with business growth |
Pricing adapts for growing usage/volume. | |
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API Rate Limits Maximum number of API calls allowed per minute |
No information available | |
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Multi-Currency Expansion Ease of adding new currency support |
Multi-currency expansion highlighted as a major feature for global clients. | |
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Database Scalability Ability of the database to scale with growing transaction history |
Database scalability referenced in product architecture overview. | |
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Feature Request Process Clear process for requesting and implementing new features |
Feature request and customization processes documented for clients. | |
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Custom Development Support Vendor support for custom development needs as the business grows |
Custom development and integration support available to clients. | |
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Backward Compatibility Ensuring new versions remain compatible with existing integrations |
Backward compatibility for APIs and integrations is a requirement for banking-grade systems; referenced by FIS. | |
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Growth Planning Support Vendor assistance with planning for future growth and scaling |
Growth planning support is included for partner banks. |
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