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M^Dynamics
Payment Platform

The technology foundation behind MVI’s payment infrastructure, built for performance, flexibility, and the pace of the digital era.

The rise of digital banking has made technology adoption inseparable from staying competitive. As industries move toward a branchless, paperless, and contactless model, digitalising existing systems and processes has become essential, not optional.

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M^Dynamics is MVI’s core platform, powering :

  • Payment Hub
  • Payment Switch/Gateway
  • Stand-In Authorization
  • Digital Transformation (DXP)

through a single, API-driven architecture.

Platform Overview

An in-house engineered engine and development platform, M^Dynamics combines performance-optimized runtime components with a comprehensive suite of robust development tools – built to accelerate system delivery, simplify integration, and deliver enterprise-grade stability across mission-critical environments.

M^Dynamics-powered products deliver a new generation of enterprise payment and financial switching capabilities – multi-currency, multilingual, and fully interoperable operations across terminals, tablets, mobile apps, browsers, and REST APIs.

Beyond high-performance online transaction processing (OLTP), the platform includes reporting and back-office tools for settlement, reconciliation, compliance, operations dashboards, and business support functions — keeping every stakeholder in the payment lifecycle, from banks to merchants to operations teams, seamlessly connected.

Every MVI product built on M^Dynamics can be combined, extended, or tailored into fully integrated omnichannel payment solutions aligned precisely with your business needs.

Highly Agile

Efficient and versatile framework delivering real business value

Scalable

Rich in scale-out features for all type of businesses requires real-time payments

Highly Available

Ensures functional systems supporting 99.999% uptime with fault tolerant infrastructure

Resilience

Robustness in our systems

Reduced Coding

Minimum coding needed with easy management, configuration, and deploymnet to add new features

Performance

High performance in response time, latency and Transaction Per Second (TPS)

Configurable

Easy to adapt for various financial business use cases

Open Platform

Runs in all OS that support Java

Framework Components

M^Dynamics features a well-architected, sophisticated system supported by graphical IDE tools — including the Transaction/Process Flow Builder, Process Flow Analyst, and Transformation Message Mapper — enabling teams to implement changes, updates, and enhancements quickly, significantly reducing both time and cost.

M^Dynamics Tranbuilder
M^Dynamics Transformation
M^Dynamics Configuration Console

M^Dynamics Tranbuilder

Business Modeller

A picture paints a thousand words. Complex payment flows are visualised rather than coded, making them easy to build, review, and maintain.

Tranbuilder – how it works

One tool, from requirement to running transaction

Each channel's transaction maps to a shared profile, and each profile is assembled from reusable components. Pick a path to follow it through.

How M^Dynamics Tranbuilder builds a transaction Transactions from ATM, Internet Banking and Teller channels map to three shared profiles: Balance Inquiry, Debit Transaction and Fund Transfer. Each profile runs through reusable components, from Card Retrieval to Send Reply. Below, three Tranbuilder windows show drilling down from a profile map, to a component's flow, to its Java code. Debit Transaction profileBalance Checking componentCheckCardUsageAccum.java 1TransactionWhat each channel asks for2ProfileSet up once, shared3Reusable componentsBuilt once, used by every profile4Drill down in TranbuilderFrom the picture, to the flow, to the code ATMBalance InquiryCash WithdrawalFund TransferInternet BankingBalance InquiryCredit Card PurchaseFund TransferTeller (card-initiated)Balance InquiryCash WithdrawalFund Transfer+ New profileBalance InquiryProfileDebit TransactionProfileFund TransferProfile+ New profileYour library keeps growing: every new component is reusableCardRetrievalAccountRetrievalBalanceCheckingBalanceDebitingBalanceCreditingAccountUpdateFormatReplyJournalSendReply‘Picture’ paints a thousand wordsSee every step of a transaction at a glance.Complex payment views, no problemOpen any component to see the flow inside it.Easily maintainableEach step is small, documented Java you can change safely.Drill downDrill downOKStartCardRetrievalAccountRetrievalBalanceCheckingBalanceDebitingAccountUpdateFormatReplyJournalSendReplyEndWithin limitOver limitStartRetrieve CardUsage AccumCheck CardUsage AccumUpdate CardUsage AccumSet TranErrorEnd21/**22 * @author MVI Technologies23 * @shortdesc Check card usage accumulation24 * @longdesc Validate usage by card number25 */26public class CheckCardUsageAccum extends BaseTranAction {27private UsageLimit usageLimit;2829protected String executeAction_Do(String ctrlType) {30int iTranIndex = tranGroup.getTranIndex();31if (!getUsageLimitProfile()) {32lc.event(Event.ERROR, 203, "No usage limit profile");33return AXNS_ERROR;34}

Swipe sideways to see the whole diagram.

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M^Dynamics Transformation

Message Converter Toolkit

Supports ISO 8583, ISO 20022, SWIFT MT/MX, JSON/XML, and more. Drag-and-drop mapping with auto-validation and zero-to-minimum coding.

M^Dynamics Transformation – how it works

Any message format in, any format out

M^Dynamics Transformation maps each incoming field to the field the receiver expects, applies the rule it needs and checks the result, with little or no code.

How M^Dynamics Transformation maps messages between formats Messages arrive in formats such as ISO 8583, ISO 20022, JSON, XML, token-based MTM and KVP. Source fields are mapped to destination fields with transformation rules, for example Track 2 data is split into Track 2, expiry date and PAN sequence number. Every mapping is auto-validated, and the result is sent out as SWIFT MT, SWIFT MX, NDC or DDC, fixed length, delimiter or proprietary formats. 1Incoming requesterAny format in2Map and transformDrag, drop, auto-validated3Outgoing receiverAny format outISO 8583ISO 20022JSON APIXML APIToken-based MTMKVPSWIFT MTSWIFT MXNDC / DDCFixed lengthDelimiterProprietarySourceHPCISO2 (ISO 8583)Mapping profileSTD_HPCISO2_FIN_RQSTDestinationMTMFieldFieldSource IDDestination IDTransformation ruleAuto-validated2PAN3Processing code4Transaction amount35Track 2 data22POS entry mode38Auth ID response41Terminal ID59AddData.AID11System trace number2PANdirect copy3TXCD@34AMTX.Valuedirect copy35TRK2formatTrack2()35EXDTextractPANExpiryDate()35PANSEQextractPANSeqNum()41TERMIDdirect copy59.AIDAPPIDdirect copy11TRIDdirect copyPANPrimary account no.TXCDTransaction codeAMTX.ValueAmountTRK2Track 2EXDTExpiry datePANSEQPAN sequence no.TERMIDTerminal IDAPPIDApp IDTRIDTransaction ID

Hover or tap a source field to trace where it goes.

Supported formats

  • ISO 8583 and its variants
  • ISO 20022 and its variants
  • Token-based MTM
  • JSON and XML API
  • Fixed length
  • Delimiter
  • KVP
  • SWIFT MT
  • SWIFT MX
  • NDC / DDC
  • Proprietary
  • And many more

Ease of integration

  • Drag and drop mappingDrag a source field onto a destination field to configure the mapping.
  • Auto validationEach mapping is checked against its validation rules as you build it.
  • Zero or minimum codingReusable rules such as extracting a PAN from Track 2 are ready to apply.
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M^Dynamics Configuration Console

Web Configuration Tool

Auto-generates UI screens with zero coding. Reduces a 20-day task to one day. Supports fine-grained access control.

M^Dynamics Configuration Console – how it works

Screens generated from configuration, not code

Define your fields and actions once. The M^Dynamics Configuration Console imports them into the engine and generates complete, consistent screens for you.

How the M^Dynamics Configuration Console generates screens Three steps: define fields and actions, import them to the engine, and generate screens. The result is a complete Multi Acquirer Terminal screen with navigation, toolbar actions, tabs and form fields, produced with zero coding. Multi Acquirer Terminal GroupMulti Acquirer MerchantMulti Acquirer Terminal Listconsole.mdynamics / application-config / terminal1Define fields and actions2Import to engine3Generate screensFieldTypeRuleAcquirer IDTextRequiredTerminal TypeDropdownList: POS, ATMTerminal Active FlagStatusActive / InactiveActionsAddEditDeleteRefreshPrintThe engine reads your configuration, checks itand works out the layout of every screen.FieldsActionsAccess rightsValidationComplete list, detail and edit screens,consistent in layout and ready to use.List viewDetail viewEdit formTabsZero codingDashboardTran logApplication configBusiness dataSystem configAdminLog outDashboard / Application configuration / Multi Acquirer Terminal / DetailsMulti Acquirer TerminalHelpPrintRefreshDeleteEditAddGeneralLocationTransaction controlStatusTransactionUsage limit profileSecurityBatchOthersGeneralAcquirer ID *123456Corporation IDCOLSCold StorageTerminal ID *C1000001Merchant ID *999900001000001Terminal Active FlagACActiveTerminal OwnerCOLS1Terminal settingsTerminal TypePOSPoint of SaleTerminal LanguageENGEnglishTerminal Sub TypeHYPCurrency CodeSGDSingapore DollarTerminal GroupGP01Software Group000000Last update 03/08/2016 16:03:25BackGenerated, not coded

Hover or tap a field in step 1 to see it on the generated screen.

Zero coding

Screens are generated from your configuration instead of being written by hand.

UI built for you

The engine interprets your configuration and lays out every field, tab and action.

1 day, not 20

A screen that takes others 20 days takes us 1.

Fine-grained access control

Decide who can view, add, edit or delete on every screen.

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Low-code/no-code by design — across Tranbuilder, Transformation, and Configuration Console, payment flows, message mappings, and interface screens are configured, not custom-coded

Build a Future-Ready Payment Infrastructure

Discover how M^Dynamics can support your organization’s payment transformation with scalable, secure, and high-performance technology.

enquiry@mvitech.com

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