In today’s fast paced digital economy, uninterrupted payment processing is essential. Even a few minutes of downtime can disrupt customer transactions, impact merchant settlements, reduce revenue, and erode trust. M^Dynamics Stand In Authorization is designed to eliminate this risk by maintaining real time payment continuity whenever your core banking system becomes unavailable.

Built on the proven M^Dynamics real time OLTP platform, this standalone solution keeps transactions flowing—authorizing, validating, and routing payments even during planned maintenance, system outages, or unexpected failures. Already deployed across both local and international banks, including major payment switch environments, M^Dynamics Stand In Authorization delivers the resilience and reliability modern financial institutions demand.

Unlike many Stand in Authorization solutions in the industry that rely solely on static limits and often authorize transactions blindly on behalf of Core Banking systems, M^Dynamics Stand In Authorization goes further to provide a robust and secure alternative. By leveraging critical, up to date data—such as account balances, customer information, and transaction history — it authorizes payments based on available funds. This approach significantly reduces financial exposure, strengthens risk controls, enhancing operational reliability, ensures regulatory compliance, and provides customers and merchants with a seamless, uninterrupted payment experience.