Pycer Financial Rails & Switching Network

The Pycer Switching Network is Pycer’s proprietary, direct-carrier financial switch engineered for high-throughput, low-latency financial transactions across Africa and global corridors. Pycer acts as the primary service provider, switching directly into core banking ledgers, mobile network infrastructure, card networks, and real-time settlement rails.

Rail Architecture & Message Switching

Pycer Native Payment Rails

Rail Service	API Endpoint	Description	Settlement Speed
Pycer Express Prompt	`POST /api/v1/rails/express-prompt`	Triggers immediate on-device customer payment authorization prompt.	Instant ( $< 1.5\text{s}$ )
Pycer Merchant Pay	`POST /api/v1/rails/merchant-pay`	Direct PayBill, Till, and merchant counter transactions.	Real-time
Pycer Direct Disburse	`POST /api/v1/rails/disburse`	Direct automated payouts, bulk wage disbursements, and supplier payments.	Instant ( $< 800\text{ms}$ )
Pycer Inter-Bank Switch	`POST /api/v1/rails/bank-transfer`	Real-time inter-bank account-to-account transfer via Pycer Switch.	Instant ( $< 1\text{s}$ )
Pycer Dynamic QR	`POST /api/v1/rails/qr/generate`	Generates secure EMVCo-compliant dynamic QR payment tokens.	Sub-second
Pycer Recurring Standing Orders	`POST /api/v1/rails/standing-orders`	Automated mandate-based recurring billing and subscription sweeps.	Scheduled

Direct Provider Guarantees

Primary Carrier-Grade Gateway: All network protocols, session tokens, and transaction envelopes terminate directly on Pycer infrastructure.
Double-Entry Financial Invariants: Every debit, hold, and credit is backed by immutable L0 ledger double-entry bookkeeping.
End-to-End Encryption: Hardware security module (HSM) grade tokenization and cryptographic signature checks on every payload.