Destiny electronic commerce is a Payment Switching Provider providing point of sale integrated Electronic Funds Transfer facilities for both debit & credit cards. This functionality has been very successfully deployed in a number of FMCG outlets with very satisfactory results. Throughput at the point of sale is increased due to speedy transaction authorization. All transactions are authorized at zero floor limit in real time reducing the number of fraudulent transactions as well as obviating the need for Speedpoint batch upload. An integrated reconciliation facility is also provided which reduces back office processing time and facilitates easy bank reconciliation. Compliance with the EMV banking requirements can be provided. Destiny connects to the major acquiring banks in South Africa. Destiny has also acts as a technology partner in “private label” card Point of Sale (POS) integrations and has the requisite skills to facilitate the implementation of a new own brand credit card facility. Value added PoS functionality is also provided. Virtual voucher warehousing for commodities such as cellular airtime is available as either an outsourced or hosted sevice. Destiny also provides integrated loyalty card functionality, running one of the largest loyalty databases in South Africa. The loyalty program offers next day value on purchases for customers as well as a sophisticated data mining facilities which allow the evaluation of the success of the loyalty program as well as impact of marketing strategies. Pin protected magstripe cards can be provided which may be branded as desired. Destiny will also consider the development of any other integrated value added facility on its merits. Destiny is also able to provide 3rd party payment mechanisms if required.Destiny is also a VANS network provider operating a countrywide network with Points of Presence in most major centers. A wide variety of network technologies are supported.(Diginet , Frame Relay , ISDN , Analog , X.25 , GPRS and ADSL VPN ). The focus of the network is on transaction switching with in excess of 5 Million EFT & Medical Aid transactions switched though our network monthly. For more information please go to our website: http://www.e-destiny.co.za