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Assessment

An independent, technically rigorous assessment of your payments infrastructure — identifying risks, inefficiencies, and modernisation opportunities across authorisation, switching, settlement, and compliance.

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Architecture Overview

Assessment Topology Diagram

Click to expand the diagram fullscreen. The topology maps every layer of your payments infrastructure assessed during an engagement.

PAYMENTSPLATFORMBASE24 / BASE24-EPSHealth AssessmentAuthorisationEngineISO 8583 / TPSSettlementLayerEnd-of-Day / EOMSchemeInterfacesVisa / MC / AmexFraudControlsSTIP / Rules EngineHSMKey ManagementThales / UtimacoReconciliationExceptionsDispute ManagementTPS Score98.4BenchmarkedRisk ScoreLOWPost-RemediationPayments Infrastructure Assessment Topology — Proximo Consultancy
Expand diagram

Assessment Scope

Six Assessment Domains

Our assessment framework covers every layer of your payments infrastructure, from transaction processing to security architecture.

01

Authorisation Engine

  • Transaction routing logic and rule sets
  • Velocity controls and fraud parameter configuration
  • Decline reason code analysis and optimisation
  • Authorisation rate benchmarking against industry peers
02

Switching & Routing

  • Network routing tables and scheme connectivity
  • Interchange optimisation and least-cost routing
  • Fallback and contingency routing configuration
  • Real-time payment scheme integration readiness
03

Settlement & Reconciliation

  • Settlement file generation and scheme submission
  • Reconciliation break identification and resolution
  • Nostro and vostro account management
  • Chargeback and dispute processing workflows
04

Security & Compliance

  • HSM configuration and key management review
  • PCI-DSS v4.0 scope assessment
  • Encryption and tokenisation architecture
  • Penetration test finding remediation support
05

Performance & Resilience

  • TPS capacity modelling and peak load analysis
  • High-availability and disaster recovery architecture
  • Latency profiling across the authorisation path
  • Incident response and recovery time objectives
06

Integration Architecture

  • Core banking and card management system interfaces
  • Fraud management platform integration
  • Digital channel (mobile/internet banking) connectivity
  • Third-party processor and acquirer interfaces

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