(P) Montran offers banks a comprehensive solution for RoPay integration
Montran, the provider of RoPay, the central QR code-based instant payments solution, now offers a comprehensive package to help commercial banks seamlessly join the new payment scheme. While the central RoPay system has been live for several months, banks still need to update their mobile applications or implement new ones to support the new payment scenarios. For instance, person-to-person (P2P) payments require QR code generation, scanning, notifications, and communication with the central RoPay system.
In person-to-merchant (P2M) scenarios, additional features are necessary to manage merchant workstations, scanning terminals and user interactions. Montran supports banks in these areas by providing a tailored mobile application for both small and large merchants, minimizing banks’ development efforts for these complex scenarios.
Montran’s Solution Components Include:
• Gateway to connect to the central RoPay system, compatible with Montran’s mobile application for P2M and existing mobile applications for P2P.
• Web Interface for banks to manage the system and merchants.
• Optional Web Interface for large merchants to manage locations and payment terminals independently.
• Mobile Application (Android and iOS) for merchant cashiers, enabling payment registration, QR code generation and display, and payments via RoPay.
• P2P Mobile Application option for banks to support a complete ecosystem for both merchants and individuals.
• Development Kit (SDK and Integration Consulting) as an additional option for integrating RoPay functionality directly into a bank’s existing mobile application.
This ecosystem offers banks a white-labelled, customizable solution with minimal integration requirements. Optional integrations are available for banks seeking enhanced automation or additional workflows.
Advantages of Montran’s Gateway for RoPay Connectivity:
• A ready-to-use solution currently in production
• Quick deployment
• Extensive industry expertise
• Developed by the central RoPay solution provider
Advantages of the Merchant Mobile App for RoPay:
• Minimal integration required
• Designed for both large and small merchants
• Supports individual bank account allocation for specific locations
• Enables fund return flows
• Existing solution
• Merchant portal for parallel use with terminals to manage static QR code cashouts or online deep link cashouts
“Our discussions with Romanian banks revealed that adapting merchant mobile applications to RoPay is a significant challenge. Montran offers a full solution for banks, including both the RoPay Connectivity Gateway and a mobile application for merchants, deployable approximately one month after contract signing,” said Irina Cârcu, Regional Sales Director, Montran Europe.
Several banks have not yet joined the Instant Payments scheme, and Montran’s integrated solution could be an efficient path for banks considering joining the Instant Payments and RoPay scheme.
“Montran collaborates closely with both large and smaller banks in in Romania, tailoring our products to meet the needs of all clients, regardless of size or software implementation expertise. We invite banks to explore integration options with us to minimize implementation time and costs, whether joining Instant Payments or both Instant Payments and RoPay,” added Ms. Cârcu.
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About Montran
With over 20 years of experience in Romania and more than 45 years globally, Montran is a leading provider of payment system infrastructure solutions for both national and commercial banks. In Romania, Montran has developed essential national systems like ReGIS, Safir, SENT, Instant Payments, and RoPay, as well as many numerous connectivity systems for commercial banks. Montran’s solutions are trusted by over 150 commercial banks and 70 national banks in more than 80 countries. Montran Key offerings include the Global Payments Hub, Payments Gateways (including for Instant Payments), Anti-Fraud and Limit Management systems, SEPA and high-value payment solutions, QR Code, Virtual Accounts, Cash Management, and Sanctions Screening.
Contact: Irina Cârcu, Regional Sales Director, Montran Europe
Email: icarcu@montran.com
Website: www.montran.com
Phone: +40 (742) 051 676
