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Concerto is founded by payment systems specialists with a vision to be a recognised centre of excellence for e-payment solutions.
We empower Financial Institutions and payment processors with our highly secure, scalable and flexible software solutions. Offering consultancy, subject matter expertise, re-engineering and support services on Payment domain is our forte
The demonstrated expertise and delivery capability made us a reliable partner for many financial institutions across many countries in a short span of time
The company is privately funded and the management is comprised of leaders having many years of experience in the financial services and payment systems domain
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Nature of Business

Service Provider

Legal Status of Firm

Limited Company (Ltd./Pvt.Ltd.)

Annual Turnover

Rs. 25 - 50 Crore

GST Number

27AADCC4006C1ZB

LAN Switches
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LAN Switches

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Though our core expertise is on BASE24™, our experts have experience on switches of other vendors. We offer assistance in implementation, integration and certification with Visa/MasterCard for other switch systems. Mandate related customisations are also undertaken

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Application Development Service
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Application Hosted Services
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Banks and FIs find it convenient and cost-effective to go for hosted services in many services offered to their customers in many areas. We offer hosted services for Payment gateway and Reconciliation of payment transactions to our customers

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Payment Gateway Solutions
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The Payment Gateway vegaaH is offered as a hosted service, for financial institutions on revenue sharing basis. The solution enables a secure, real-time, online payment bridge between the merchant's customer and the acquiring bank's systems. vegaaH enables 3D secure processing, multi currency support and flexible transaction processing.

This will provide the financial institution with a higher ROI and avoid the hassles of maintaining the infrastructure. The frequent upgrade requirements due to security concerns and regulatory requirements are also avoided

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Reconciliation Software
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Reconciliation Software

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The transactions from Switch, Interchanges, Banking host and EJ are reconciled to enable Issuing/Acquiring institutions to settle transactions and manage customer disputes proactively. The chargeback module of the reconciliation system help institutions to manage the disputes with interchanges adhering to time lines as well as mandates

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Software Testing Services
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Testing services are offered to customers in the EFT domain as well as General IT services. The service includes both black box and white box testing. Testing services for SIT, UAT and certification testing with International and National card associations such as VISA, MasterCard, Amex, SAMA, CUP, NFS etc are provided

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Performance Tuning ,Capacity Planning Services
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Performance tuning and Capacity Planning for ACI products is managed by us. With deep understanding on HP Non-stop systems Concerto helps the customers to make optimum use of hardware, distribution of processes and files across CPUs and Disks

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Help Desk Service
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Help Desk Service

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Help desk support is provided for our customers to analyse and fix their production issues. The support services are offered remotely from off shore

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ERP Implementation
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ERP Implementation

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Implementing BASE24™, Base24-eps, CMS, SCM, PRM, TSS and other ACI suite of products and developing complex customizations is our forte

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Software Maintenance
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Software Maintenance

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On-site technical support is offered to assist the customer's in maintaining their BASE24™ applications. Our technical support experts provide assistance onsite, perform system maintenance and fine tuning through system monitoring and derive proactive corrective measures. Interchange mandate development and implementations are also part of our expertise

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Merger IT Integration
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Merger IT Integration

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Skilled in integrating Base24 with other transaction processors. Switching processors, Interchanges like VISA, MasterCard, AMEX and major national switches, Core banking applications and credit card systems are few in the array

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Software Migration & Upgrades
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Acknowledged experts in strategic migration of Base24 to Base24-eps. We also specialize in migration of other transaction processing switches to Base24/Base24-eps across various platforms. We have successful Chip migrations to our credit.

We have been accredited for numerous Base24 version upgrades with complex customizations. We also facilitate support to systems not opting for upgrades by rendering development on need basis

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HP Non Stop Computer Servers
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Offers a wide range of high quality services for HP Non Stop Servers (Tandem NSK) systems. Our consultants have been working extensively on the Tandem platform for many years for leading financial institutions and system integrators. Development of a prepaid system for a regional card association is a notable achievement for us on the NonStop platform

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EMV Card Readers
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EMV Card Readers

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We are experienced in managing and implementing EMV projects for many Banks. Our consultants provide the knowledge and assistance when addressing the different challenges and opportunities of migrating to EMV. Our experts have many years of experience in chip projects. 

We master all technical aspects of the EMV standard and how these interrelate with your specific implementation. Whether it concerns EMV regulations and security, transaction processing or your payment system, we study your business and develop a unique solution that creates value and help you lead the way

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VegaaH Payment Gateway
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VegaaH Payment Gateway

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The Payment Gateway, vegaaH is designed to configure multiple financial institutions and process the transactions simultaneously. It has the flexibility to cater to a single processor or multiple processors on a hosted service model. The solution enables a secure, real-time, online payment bridge between the merchant's customer and the acquiring bank's systems. vegaaH enables 3D secure processing, multi currency support and flexible transaction processing. 
The Features Available are:

  • Ability to support multiple websites of a Merchant
  • Ability to support multiple delivery channels
  • Ability to process batch transactions
  • Pseudo terminal support
  • Support multi-protocol and multiple messaging standards
  • Broker Configuration support
  • Blacklist and Whitelist Support
  • Configurable Fee
  • Supports direct merchant integration and hosted paging

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Rhythm Terminal Management Services
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Rhythm is the application for ATM management and monitoring comprising of two modules – IEM and On-Call. 

IEM is a module of the ATM management suite for precise monitoring of ATM events. The application is designed for use of Service providers/Banks for managing ATM network of a bank or multiple banks. Prompt notifications of faults and escalation via device monitoring, notification and fault-reporting capabilities reduce ATM downtime.  This will help the user to respond quickly to device errors and reduce average resolution time and improve customer satisfaction.

On-Call is a module of the ATM management suite which generates tickets to follow up any critical ATM event which may hamper its functioning based on the ATM status provided by IEM. This application will help maximize the ROI for ATM deploying institutions

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SMS PG
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SMS PG

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SMS Payment Gateway is a powerful and flexible software product based on the Short Message Service (SMS) available in the mobile phones. 

The highlight of this system is its bill pay service. It makes bill payments easy and simple, as it requires only a simple SMS to pay the bill and get the acknowledgement as an SMS. Customers can also inquire through SMS at any time, about the bills from service providers that are registered to their account. 

This system is fast and scalable as the architecture and the technologies used are designed as such. Interfaces with the mobile service providers and banking applications utility service providers is open and simple, supporting various protocols, thereby making it easy to add up new service providers. The application has features which enable reconciliation, settlement and dispute resolution

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Software Maintenance and Testing
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Application Re-engineering
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Software Migration , Porting
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Database Performance Tuning Services
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Disaster Recovery Plan

Disaster Recovery Plan

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Business Continuity

Business Continuity

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OMF Change Tracker For BASE24 EFT Switches
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Across the world, BASE24 from ACI is one of the major EFT Switches used by major financial institutions/Banks. On a daily basis operators working on BASE24 affect many changes in the database. 

It is extremely important for BASE24 system administrator to monitor and track these changes carried out by the operators. Regulatory authorities also mandate the monitoring of these changes and availability of these records for the future use for audit purposes. 

The Online Maintenance File (OMF) contains records of daily additions, deletions, and updates made to the BASE24 application files. The OMF provides an audit trail of file maintenance operations

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Onshore Software

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On-site technical support is offered to assist the customers in maintaining their EFT applications. Our technical support experts help the customers in system maintenance through system monitoring and perform proactive corrective measures required if any for optimum system performance

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Software Support

Software Support

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Web Enabling

Web Enabling

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Non Stop System Management
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Sonata is a clearing and settlement application, enables effortless FTP, extraction, and processing of transaction logs and generates reports and other processing files. It has the capability to perform multi way reconciliation process.

The application is parameter driven and has a query builder for selecting transaction matching criteria and report generation

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