There is a wide range of standards, protocols, and technological approaches in today’s payment infrastructure. Each market has its own specifics, and each system follows different rules. Connecting these elements into a reliable and cohesive system requires a flexible and intelligent solution. Switchio payment gateway enables seamless integration across diverse platforms and offers a level of adaptability that standard off-the-shelf solutions cannot match.
Payment infrastructure today is technologically diverse. Different markets rely on different protocols and integration models. In the German market, EBICS (Electronic Banking Internet Communication Standard) is used for banking communication, while POS terminals accepting girocard typically follow TA 7.2 technical specifications and use the ZVT protocol. For credit card processing, the commonly used protocol is GICC (General ISO Credit Card).
In most cases, these standards are limited to their local markets. On a global scale, no unified protocol exists to ensure full interoperability between systems. This makes integration between payment technologies across markets both time-consuming and technically complex. To address this challenge, a solution is needed that can function as a translation layer between systems while preserving the integrity of their native logic.
Switchio payment gateway fulfills exactly that role. It functions as a universal translator for financial protocols, enabling smooth integration between systems of various types and generations.
A typical example is the conversion between reversal and refund. Two transaction types that are interpreted differently depending on the receiving system.
“Our strength is the ability to integrate with any protocol, regardless of how terminals or processing centers are configured, it’s more than a point-to-point translator. We have the capability to adapt transactions dynamically based on the specific rules and requirements of the destination processor.”
explains Tomáš Jačko, Chief Development Engineer at Switchio.
Flexible integration for specific markets
Integration with new acquirers and processing centers demonstrates the strength of Switchio payment gateway’s architecture. The team has completed more than 100 integrations to date, including many complex projects, proving that successful implementation requires not only technical flexibility, but also a deep understanding of each market’s specifics.
One example is the integration with Dutch processor Silverflow. An even greater challenge was the connection to U.S.-based processor Fiserv, which required adapting Switchio payment gateway to the distinct regulatory and technical demands of American card networks.
“The integration with the U.S. processor was our first initiative in that market. It required a deep understanding of both regulatory and technical specifications. That experience has significantly accelerated and streamlined how we approach subsequent integrations,”
says Eliza Rassman, QA Engineer at Switchio.
Customers who choose Switchio payment gateway are typically seeking solutions that go far beyond standard configuration options. While many providers deliver off-the-shelf platforms, any need for deeper customization often leads to complex external development and in some cases, full adaptability is simply out of reach.
Switchio payment gateway is the ideal choice for companies that:
- Operate complex or fragmented payment infrastructures and require seamless interoperability
- Plan to expand into new markets with specific regulatory or protocol requirements
- Need more than standard processing, including custom logic, advanced routing, or transaction-level control
Have outgrown the limitations of off-the-shelf systems and are seeking tailored, future-ready solutions.