Additional Advanced Features

Index

Pelecard supports advanced transaction routing and multi-entity clearing structures that enable organizations to manage multiple businesses, suppliers, or brands under a single integration. 
 
These features provide operational flexibility while maintaining a unified technical connection to Pelecard’s systems. 

Rav Mutav (Multi-Beneficiary)

Description 

Rav Mutav allows an organization to manage multiple sub-merchants (beneficiaries) under a main merchant framework. 

How It Works 

  • A main merchant is defined in the system. 
  • Multiple sub-merchants (beneficiaries) are configured under it. 
  • Each sub-merchant clears transactions to its own supplier number. 
  • The relevant supplier is identified during the transaction (e.g., via SapakNo or BusinessNumber, depending on integration type). 

Typical Use Cases 

  • Franchise networks 
  • Marketplaces 
  • Organizations managing multiple legal entities 
  • Group companies operating under one umbrella 

Integration Support 

Supported via API and Iframe (with supplier identification parameter). 

Rav Sapak (Multi-Supplier Routing)

Description 

Rav Sapak enables routing transactions to different supplier numbers under the same operational framework. 

How It Works 

  • A primary terminal is configured. 
  • Multiple supplier numbers are associated with it. 
  • Transactions are routed to the correct supplier based on predefined parameters or configuration logic. 

Typical Use Cases 

  • Organizations working with multiple clearing accounts 
  • Businesses separating activity by internal supplier structure 
  • Operational entities requiring flexible settlement models 

Integration Support 

Supported via API and Iframe. Supplier can be predefined at terminal level or passed dynamically via parameter. 

Upay (Issuer-Based Smart Routing)

Description 

Upay enables intelligent routing of transactions based on card issuer and/or brand logic. 

How It Works 

  • The system identifies the card issuer and brand. 
  • Based on predefined rules, the transaction is routed to the appropriate clearing terminal. 
  • Supports advanced routing scenarios such as foreign issuer handling. 

Typical Use Cases 

  • Organizations optimizing routing per issuer 
  • Regulatory or contractual routing requirements 
  • Complex clearing structures 

Integration Support 

Configured at terminal level with routing logic defined within the system. 

Brand Split (Card Brand-Based Routing)

Description 

Brand Split allows automatic routing of transactions according to card brand. 

How It Works 

  • Card brand is identified (Visa, Mastercard, Amex, etc.). 
  • Each brand can be assigned to a different clearing terminal or supplier. 
  • Routing occurs automatically during transaction processing. 

Typical Use Cases 

  • Merchants working with different acquirers per brand 
  • Businesses separating brand activity for financial or operational reasons 

Integration Support 

Configured at system level and transparent to the end user. 

Summary

  • Multi-beneficiary structures (Rav Mutav) 
  • Multi-supplier routing (Rav Sapak) 
  • Issuer-based smart routing (Upay) 
  • Brand-based transaction splitting (Brand Split) 

These capabilities allow organizations to implement flexible clearing models while maintaining a single, streamlined integration with Pelecard. 

Additional Information 

Our Marketing Department will be happy to explain these working models and assist in selecting the most suitable structure for your business.