+===========+
| ███ TERM ███ |
| ███████████ |
| ███████████ |
| [_________] |
+===========+
GSF PAX-900
GSF CORE v25.0
GSF CORE v25.0
POWER⬤ ON
NETWORK⬤ ONLINE
TLS⬤ 1.3
PCI-DSS⬤ v4.0
QUEUE
⬤ 0 pending
TIME--:--:--
█ EMV Chip/PIN █
█ NFC/Contactless █
█ NACHA ACH █
█ ISO 8583 █
█ PCI-DSS v4.0 █
█ NFC/Contactless █
█ NACHA ACH █
█ ISO 8583 █
█ PCI-DSS v4.0 █
GATEWAY:
● STRIPE PSP — TEST
● VISA / MASTERCARD / AMEX
● PLAID BANK LINK
○ TRON (NEEDS TRX)
GSF Enterprise Gateway v25 · PCI SAQ-A · ISO 8583
▶ TRANSACTION ENTRY — ISO 8583 MTI 0100/0200_
ONLINE | OFFLINE PROTOCOLS
☍ ISO 8583 PROTOCOL FUNCTIONS — Online 101.x / Offline 201.x
ISO 8583:2003 / EMV
█ ONLINE — 01xx SERIES
101.1
MTI 101.1
101.1
101.1
101.2
MTI 101.2
101.2
101.2
101.3
MTI 101.3
101.3
101.3
101.4
MTI 101.4
101.4
101.4
101.5
MTI 101.5
101.5
101.5
101.6
MTI 101.6
101.6
101.6
101.7
MTI 101.7
101.7
101.7
101.8
MTI 101.8
101.8
101.8
█ OFFLINE — 02xx/04xx/05xx
201.1
MTI 201.1
201.1
201.1
201.2
MTI 201.2
201.2
201.2
201.3
MTI 201.3
201.3
201.3
201.4
MTI 201.4
201.4
201.4
201.5
MTI 201.5
201.5
201.5
201.6
MTI 201.6
201.6
201.6
201.7
MTI 201.7
201.7
201.7
201.8
MTI 201.8
201.8
201.8
← Select a protocol from the list to execute it
☍ SETTLEMENT — End of Day / On-Demand Fund Transfer to Bank Account
VISA/MC NET ACQUIRE
⬇ DOWNLOAD SETTLEMENT WIRE INSTRUCTION (PDF)
Opens full document with MT103 wire instructions for CIMB — print or save as PDF
█ PENDING SETTLEMENT
6
TRANSACTIONS
☰ SETTLE INDIVIDUALLY — Choose bank per transaction
No unsettled transactions pending.
█ BATCH SETTLE ALL — Send all pending to one bank at once
► PAY CLIENT DIRECTLY
SETTLEMENT HISTORY
No settlements yet. Run your first settlement above.
☍ BANK ACCOUNTS — Connected Settlement & Fund Transfer Accounts
ACH / SWIFT / SEPA
█ ADD BANK ACCOUNT
CONNECTED BANK ACCOUNTS
No bank accounts configured. Add one on the left to receive settlement funds.
☍ ACH / NACHA FILE PROCESSOR — 101 File Header / Entry Detail Records
NACHA 2026
◆ LIVE SETTLE GATEWAY
█ PARSE NACHA ACH FILE (101 Format)
Upload or paste a NACHA ACH file. Record types: 1=File Header (101), 5=Batch Header, 6=Entry Detail, 7=Addenda, 8=Batch Control, 9=File Control.
☍ ISO 8583 MESSAGE PARSER — MTI 0100 / 0200 / 0210 / 0400
ISO 8583-1:2003
█ PARSE ISO 8583 MESSAGE
Enter MTI followed by data elements in format: DE2=4532015112830366,DE4=000000010000,DE49=USD
◘ GENERATE NACHA ACH FILE — ANSI X9.97 / NACHA 2026
101 FILE HEADER
☁ OFFLINE TRANSACTION QUEUE — Batch Processing
NACHA / ISO 8583
■ QUEUE EMPTY — No offline transactions pending
Use OFFLINE MODE in the Transaction tab to queue transactions
Use OFFLINE MODE in the Transaction tab to queue transactions
☍ TRANSACTION RECEIPT VIEWER
ISO 8583
◆ QUICK RECEIPT LINKS:
☍ EUR 1M — SETTLED ✅ (PX260308213831569)
☍ EUR 10M — WRONG BANK ⚠ (PX260309171355126)
☍ MYR 10M — PENDING ⏳ (PX260318143428928)
☍ EUR 10M — PENDING ⏳ (PX260318143930892)
☍ USD 10M — CAPTURE REQUIRED ⚠ (PX260315161508719)
RECENT TRANSACTIONS:
No transactions yet.
☍ SELECT A TRANSACTION REFERENCE TO VIEW RECEIPT
Or process a transaction from the TRANSACT tab
Or process a transaction from the TRANSACT tab
PSP ROUTE:
GSF Terminal
▶
STRIPE PSP (TEST)
▶
VISA / MASTERCARD / AMEX NETWORKS
▶
ISSUING BANK
VISA DEVELOPER PLATFORM
COF DATA INQUIRY
ACCOUNT UPDATER (VAU)
SUBSCRIPTION MANAGER
● CHECKING...
ⓘ VISA API CONNECTIVITY — SETUP STEPS
①Log in to developer.visa.com → Your Project → Download Credentials
②Download visa_cert.p12 (SSL certificate) and note the certificate password
③Upload .p12 file below → Enter password → Click SAVE & TEST
④For COF: Download MLE public key from Visa Dashboard → upload as mle_public.pem
◆ STEP 1 — UPLOAD VISA SSL CERTIFICATE (.p12)
◆ STEP 2 — UPLOAD MLE KEY (required for COF only)
From Visa Dashboard → Project → Message Level Encryption → Download public key → Save as mle_public.pem
◆ STEP 3 — TEST CONNECTION & SAVE PASSWORD
STORED CREDENTIALS
◆ User ID: JQ6Y9VXAYHXQGCVOYM7Y21D... (from Visa Developer Portal)
◆ SSL Cert: Not uploaded — awaiting .p12 file
◆ MLE Key: Not uploaded — required for COF
◆ Environment: SANDBOX
◆ GSF DIGITAL TOKEN (GDT) — Treasury-Backed Digital Money
VISA TOKEN SERVICE ALIGNED
◆ GDT — GSF Digital Token
GDT is a treasury-backed digital money token issued by SkyNet Dynamics S.A. under the GSF platform. Each GDT is backed 1:1 by MYR held in the Treasury Reserve or Collected Fund Pool. GDT follows Visa Token Service principles: unique token identifier, surrogate value, state management (ACTIVE/FROZEN/REDEEMED), and full double-entry ledger. Tokens are transferable between accounts, redeemable to fiat, and expire after 2 years.
Compliance: Visa Digital Commerce | PCI DSS | ISO 8583 | Internal KYC
GDT is a treasury-backed digital money token issued by SkyNet Dynamics S.A. under the GSF platform. Each GDT is backed 1:1 by MYR held in the Treasury Reserve or Collected Fund Pool. GDT follows Visa Token Service principles: unique token identifier, surrogate value, state management (ACTIVE/FROZEN/REDEEMED), and full double-entry ledger. Tokens are transferable between accounts, redeemable to fiat, and expire after 2 years.
Compliance: Visa Digital Commerce | PCI DSS | ISO 8583 | Internal KYC
◆ GDT CIRCULATING SUPPLY & TREASURY STATUS
▮ CLIENT PAYMENT QR GENERATOR
Fill in the client details below and press GENERATE QR.
A scannable QR code and payment link will appear — send it to the client via WhatsApp, email, or SMS.
The client scans the QR, enters their card / bank info, and submits.
◆ LIVE SETTLE GATEWAY
↻ GPI AUTOMATIC RECEIVE & SEND — UETR-Tracked Payments
▼ GPI INBOX — Incoming Payments (0 pending)
All GPI payments have been processed
▶ GPI SENT / PROCESSED — Outgoing Confirmations (0 records)
No GPI payments sent yet
◆ LIVE SETTLE GATEWAY
SWIFT GPI Manual MT103 • Generates payment link → client pays → webhook confirms
◆ LIVE SETTLE GATEWAY
SWIFT MT103 / MT202 • Generates payment link → client pays → webhook confirms
► CHECKOUT FLOW — POST /checkout/create-payment | POST /payments/capture | POST /payments/refund
STEP 1 — CREATE PAYMENT ORDER POST /checkout/create-payment
STEP 2 — CLIENT ENTERS CARD (PCI SAQ-A Hosted Field)
STEP 5-8 — CAPTURE / VOID POST /payments/capture | POST /payments/void
STEP 9 — REFUND POST /payments/refund
STEP 7 — WEBHOOK CONFIRMATION POST /webhooks/payments (signed, verified)
Load an order below to see its webhook events.
☷ ORDER LEDGER — All Payment Orders
| # | Order Ref | Client | Amount | Card | PI ID | Order Status | Pay Status | Captured | Refunded | Date | Actions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Click REFRESH to load | |||||||||||
▶ CARD AUTH — PCI-COMPLIANT TOKENIZED AUTHORIZATION FLOW
STEP 1
Hosted Field
PCI SAQ-A
PCI SAQ-A
▶
STEP 2
Stripe Token
pm_xxx (no PAN)
pm_xxx (no PAN)
▶
STEP 3
Processor Auth
API call
API call
▶
STEP 4
Store Permitted
Response Only
Response Only
▶
STEP 5
Capture /
Reconcile
Reconcile
CLIENT DETAILS
STEP 1 — CARD DETAILS (PCI SECURE HOSTED FIELD)
🔒 Card data never touches this server. Stripe.js tokenizes in the browser.
Data stored after auth (permitted only):
Last 4 digits • Card brand • Expiry month/year • Auth code • Network TXN ID • Status
✗ PAN / CVV / full card number: NEVER stored
Last 4 digits • Card brand • Expiry month/year • Auth code • Network TXN ID • Status
✗ PAN / CVV / full card number: NEVER stored
BANK-APPROVED BALANCE INQUIRY (PROCESSOR ACCOUNT)
☷ AUTHORIZATION LEDGER — Step 4: Permitted Data Only
| # | Client | Ref | Amount | Card | Auth Code | PI ID | Status | Date | Actions |
|---|---|---|---|---|---|---|---|---|---|
| Click REFRESH to load | |||||||||
▶ ROLE MAP: MERCHANT vs ISSUER vs OPEN BANKING ACCESS
① MERCHANT ACCESS
Who you are: SkyNet Dynamics S.A. (the business accepting payment)
What you can see:
• Transaction approved / declined
• Auth code from network
• Last 4 digits + card brand
• Settlement amount (net of fees)
What you CANNOT see:
• Full PAN, CVV, PIN
• Cardholder's account balance
• Other transactions on the card
Your tools: Stripe, Braintree, FPX
GSF covers this: ✓ This tab + TRANSACT tab
What you can see:
• Transaction approved / declined
• Auth code from network
• Last 4 digits + card brand
• Settlement amount (net of fees)
What you CANNOT see:
• Full PAN, CVV, PIN
• Cardholder's account balance
• Other transactions on the card
Your tools: Stripe, Braintree, FPX
GSF covers this: ✓ This tab + TRANSACT tab
② ISSUER ACCESS
Who they are: The client's bank (Maybank, CIMB, HSBC, Chase)
What they can see:
• Full card account details
• Real-time available balance
• Full transaction history
• Credit limit, utilization
How to get issuer-level data:
• Open Banking APIs (with client consent)
• Bank's direct API (BNM licensed entities only)
• SABLC / POF from the issuer
GSF covers this: ⚠ SBLC tab + MT799 POF flow
What they can see:
• Full card account details
• Real-time available balance
• Full transaction history
• Credit limit, utilization
How to get issuer-level data:
• Open Banking APIs (with client consent)
• Bank's direct API (BNM licensed entities only)
• SABLC / POF from the issuer
GSF covers this: ⚠ SBLC tab + MT799 POF flow
③ OPEN BANKING ACCESS
What it is: Regulatory framework allowing licensed 3rd parties to read account data WITH client consent
What you can see (with consent):
• Account balance (real-time)
• Transaction history
• Account number + sort code / IBAN
Requirements:
• Client gives explicit consent (OAuth)
• Must be licensed: AISP / PISP under BNM
• In EU: PSD2 licensed; UK: FCA authorised
Malaysia framework: BNM Open API (PDPA compliant)
GSF can add this: ⚠ Requires BNM AISP license
What you can see (with consent):
• Account balance (real-time)
• Transaction history
• Account number + sort code / IBAN
Requirements:
• Client gives explicit consent (OAuth)
• Must be licensed: AISP / PISP under BNM
• In EU: PSD2 licensed; UK: FCA authorised
Malaysia framework: BNM Open API (PDPA compliant)
GSF can add this: ⚠ Requires BNM AISP license
④ PSP / PROCESSOR ACCESS
Who they are: Stripe, Worldpay, Braintree — the middlemen
What they do:
• Route the authorization to the card network (Visa/MC)
• Return auth code to you (the merchant)
• Settle funds minus processing fee
The auth flow via PSP:
Client card → Stripe (PSP) → Visa/MC network → Issuing bank → Approve/Decline → Auth code back
GSF covers this: ✓ This entire CARD AUTH tab
What they do:
• Route the authorization to the card network (Visa/MC)
• Return auth code to you (the merchant)
• Settle funds minus processing fee
The auth flow via PSP:
Client card → Stripe (PSP) → Visa/MC network → Issuing bank → Approve/Decline → Auth code back
GSF covers this: ✓ This entire CARD AUTH tab
SUMMARY — What data flows where:
Client card → Stripe.js (browser, PCI SAQ-A) → Token (pm_xxx) → GSF Backend → Stripe API → Card Network → Issuing Bank
GSF backend receives: auth code, last4, brand, expiry, status — never the PAN or CVV
Client card → Stripe.js (browser, PCI SAQ-A) → Token (pm_xxx) → GSF Backend → Stripe API → Card Network → Issuing Bank
GSF backend receives: auth code, last4, brand, expiry, status — never the PAN or CVV
☑ PAYMENT AUTHORISATION CAPTURE — MT103 SETTLEMENT GATEWAY
Client provides authorisation → GSF captures & logs → MT103 auto-generated → Send for bank settlement
▶ CAPTURE CLIENT AUTHORISATION
Client Full Name *
Client Account Number
Client Bank BIC / SWIFT Code
Client Bank Name
Client Email
Amount *
Currency
AUTHORISATION CODE * (provided by client)
Purpose / Remittance Info
✉ AUTO-GENERATED MT103 — READY TO SEND
(MT103 will appear here after capture)
☷ AUTHORISATION CAPTURE LOG
| REF NO | CLIENT | BANK BIC | AMOUNT | AUTH CODE | MT103 REF | STATUS | DATE | ACTION |
|---|---|---|---|---|---|---|---|---|
| Click REFRESH to load captures | ||||||||
☯ CRYPTOCURRENCY TERMINAL — Send / Receive
◆ LIVE SETTLE GATEWAY
SEPA Credit Transfer / ISO 13616 • Generates payment link → client pays → webhook confirms
▶ IBAN-TO-IBAN TRANSFER — ISO 13616 / SEPA Credit Transfer
◆ LIVE SETTLE GATEWAY
⇄ SERVER-TO-SERVER MESSAGING — ISO 20022 / Proprietary
◆ LIVE SETTLE GATEWAY
☷ LEDGER-TO-LEDGER TRANSFER — Double-Entry Journal Posting
◆ LIVE SETTLE GATEWAY
✈ WORLDWIDE REMITTANCE — Cross-Border Money Transfer
◆ LIVE SETTLE GATEWAY
OTC Bilateral Desk • Generates payment link → client pays → webhook confirms
◆ OTC BILATERAL DEAL DESK — Over The Counter Trade Booking
◆ OTC deals are bilateral, privately negotiated transactions executed directly between two counterparties outside a formal exchange.
Each deal generates a binding deal ticket and is recorded in the GSF OTC blotter.
♨ FREEZER V2.1 — Dormant & Frozen Account Recovery System
GSF PROPRIETARY
♨ DORMANT / FROZEN ACCOUNT SCANNER — FREEZER ENGINE V2.1
⚠ Freezer V2.1 performs a deep-scan of dormant and frozen bank accounts. Enter the account number and registered account name to initiate recovery analysis. All recovered funds are routed through the settlement advisory pipeline.
☍ SETTLEMENT ADVISOR — Fund-Type Settlement Intelligence System
GSF / ISO 20022
☍ SETTLEMENT ADVISORY REQUEST — SELECT FUND TYPE
◎ The Settlement Advisor generates fund-type-specific step-by-step settlement instructions for IBAN, Server-to-Server, Ledger, and Cryptocurrency transfers. You can also reach this page directly from any transaction result.
▲ INVESTMENT SERVICE — Global Market Investment Platform
GSF / MARKETS
▲ OPEN NEW POSITION — BUY / LONG / SHORT
■ OPEN POSITIONS
No open positions. Inject funds and open a position above.
♬ FUND SETTLEMENT — Terminal Capture Lifecycle Manager
Log terminal captures, input settlement bank details, track clearance status, and manage client payouts.
▲ LOG NEW TERMINAL CAPTURE
☷ CAPTURE SETTLEMENT LEDGER
Loading captures...
✈ WISE BUSINESS API — CONFIGURATION
Paste your Wise Business API key below. Your profile ID and account name
will be detected automatically. Get your key from
wise.com → Settings → API tokens (choose Full access).
☯ BUSINESS CRYPTO WALLET ADDRESSES — SkyNet Dynamics S.A.
ⓘ These are your business receiving addresses. Customers scan the QR code or copy the address to send crypto directly to your business.
Update with your actual wallet addresses below.
▼ RECORD INCOMING CRYPTO DEPOSIT
When you receive crypto to one of your business addresses, record it here to update your site balance.
☰ SITE ACCOUNT BALANCES
▲ DEPOSIT FUNDS
▶ SEND / TRANSFER OUT
☍ FUNDS TRANSACTION LOG
No transactions yet. Deposit or send funds to start.
◔ TREASURY BALANCE — SkyNet Dynamics S.A.
Live balance across all currencies. Persisted to database — survives server restart.
▼ RECORD INCOMING DEPOSIT
After you verify a deposit arrived on-chain, record it here to credit the treasury balance.
☯ DEPOSIT ADDRESSES
Share these addresses with your clients to receive funds directly.
✍ Update wallet addresses →
▶ WITHDRAW — CRYPTO WALLET
Send crypto from the treasury directly to any external wallet address.
⛪ WITHDRAW — BANK ACCOUNT
Wire transfer from treasury to any bank account (IBAN/SWIFT or local account).
☍ TREASURY TRANSACTION HISTORY
◔ No treasury transactions yet.
Record your first USDT deposit above to get started.
Record your first USDT deposit above to get started.
⚐ PAYMENT GATEWAY GUIDE — WHAT TO USE FOR EVERY TRANSACTION SIZE
⚠ THE STRIPE LARGE-TRANSACTION REALITY
Stripe technically allows up to USD 999,999 per single charge — but in practice:
- Transactions > USD 10,000 may be flagged for manual review — funds held 7–14 days
- Transactions > USD 50,000 require a documented business use case (Stripe may ask)
- Very large single charges (> USD 100,000) risk account review or temporary freeze
- Solution: Split into multiple charges OR use a wire-transfer platform for large amounts
① STRIPE (ALREADY CONNECTED)
Best for: USD 0 – USD 10,000 per transaction
Fee: ~2.9% + 30¢ • Settlement: 2–7 days
✓ Card Check / Pre-Auth built in (above)
✓ FPX, GrabPay, card
✓ Instant payout to GSF Digital eWallet
✓ FPX, GrabPay, card
✓ Instant payout to GSF Digital eWallet
② BRAINTREE / PAYPAL (Recommended Next)
Best for: USD 10,000 – USD 500,000
Fee: 2.59% + 49¢ • Settlement: 2–3 days
✓ Higher limits than Stripe
✓ ACH Direct Debit (no card, no limit)
✓ 3D Secure 2 built in
▸ To connect: Get Braintree Merchant ID + Public + Private Key
✓ ACH Direct Debit (no card, no limit)
✓ 3D Secure 2 built in
▸ To connect: Get Braintree Merchant ID + Public + Private Key
④ SWIFT MT103 WIRE (ALREADY BUILT)
Best for: Any amount — no limit
Fee: Bank-to-bank (negotiated) • Settlement: 1–3 days SWIFT
✓ No Stripe involvement — fully bank-to-bank
✓ MT103 auto-generated in AUTH CAPTURE tab
✓ (GSF Digital eWallet) as ordering bank
▸ Use this for any transaction > USD 50,000
✓ MT103 auto-generated in AUTH CAPTURE tab
✓ (GSF Digital eWallet) as ordering bank
▸ Use this for any transaction > USD 50,000
⑤ CHECKOUT.COM
Best for: USD 5,000 – USD 250,000 • Strong in MENA/Asia
Fee: ~1.5–2% • Settlement: T+1 to T+2
✓ Built for high-value B2B
✓ MYR, USD, EUR natively
✓ Better approval rates in Asia than Stripe
▸ Requires: Checkout.com Secret Key + Public Key
✓ MYR, USD, EUR natively
✓ Better approval rates in Asia than Stripe
▸ Requires: Checkout.com Secret Key + Public Key
⑥ FPX BUSINESS (Malaysian Bank)
Best for: MYR 0 – MYR 1,000,000 per transaction
Fee: ~RM 1–2 flat fee • Real-time settlement
✓ Maybank2u, CIMB, RHB, Public Bank
✓ Instant bank debit (no card needed)
✓ MYR only
▸ Already partially in Stripe (FPX tab)
✓ Instant bank debit (no card needed)
✓ MYR only
▸ Already partially in Stripe (FPX tab)
► RECOMMENDED FLOW: WHICH TO USE WHEN
| Amount | Currency | Recommended Gateway | Card Check First? |
|---|---|---|---|
| < USD 10,000 | Any | Stripe Live ✓ | Yes — Use CARD CHECK above |
| USD 10,000–50,000 | USD/EUR/SGD | Braintree or Checkout.com | Yes — Pre-auth first |
| MYR 10,000–1,000,000 | MYR | FPX Business (bank debit) | N/A — bank direct |
| > USD 50,000 | Any | SWIFT MT103 Wire | N/A — bank wire, no card |
TO CONNECT BRAINTREE OR CHECKOUT.COM: Please provide the API credentials for the platform you want to connect and the system will integrate it as a new gateway option in the TRANSACT tab alongside Stripe.
⚠ SAFETY & COMPLIANCE CENTRE — AL BARAKHA HORIZON SDN BHD
SAFETY: OK
✓
SYSTEM STATUS: OK
Real-time safety check result — evaluated before every transaction
█ ACTIVE SAFETY LIMITS
| Hourly Transaction Limit | 50 TX/hr |
| Daily Volume Cap | MYR 10,000,000 |
| Single Transaction Max | MYR 2,000,000 |
| Stripe Min Interval | 2 minutes |
| Settlement Daily Cap | MYR 5,000,000 |
| AML Reporting Threshold | MYR 50,000 |
| Settlement Staging Window | 2 hours |
| Max Settlement Batch | 200 transactions |
█ REGISTERED SETTLEMENT ACCOUNTS
All settlements must route ONLY to these verified accounts:
Alliance Bank Malaysia (MFBBMYKL)
Account: ****8600 — MYR Primary Settlement
✓ BNM Registered ✓ PDPA Compliant ✓ Stripe Verified
⚠ Never settle to third-party or personal accounts. This triggers automatic AMLA reporting.
█ SAFETY GUIDELINES — BANK & STRIPE COMPLIANCE
Load a transaction to see contextual safety guidelines.
☍ BANK BLOCKING PREVENTION
✓ Use consistent, professional narrative (e.g. "GSF INV-xxxx Trade Finance")
✓ Match every settlement to a valid invoice or purchase order
✓ Avoid round-number amounts (e.g. MYR 10,000.00) — add cents (MYR 10,247.35)
✓ Space out large transactions — no identical consecutive amounts
✓ Keep transaction description consistent with business category (MCC 6099)
✓ Register company with BNM as Money Services Business if processing > MYR 500k/month
✓ Ensure all source-of-funds documentation is available for transactions > MYR 50,000
✓ Never settle on weekends or Malaysian public holidays (delays trigger holds)
✓ Maintain 3:1 transaction-to-settlement ratio (don't settle every single transaction)
✓ Use batch settlement (EOD) rather than real-time per-transaction settlement
☍ STRIPE BLOCKING PREVENTION
✓ Always include customer name, email and company name in charge metadata
✓ Match charge description to actual product or service name on invoice
✓ Do NOT charge same card twice within 10 minutes for the same amount
✓ Keep individual Stripe charges under MYR 50,000 (USD 10,000)
✓ Keep Stripe dispute rate below 0.75% (current threshold before suspension)
✓ Use Stripe Radar rules to block high-risk countries (if not actively serving them)
✓ Enable 3D Secure for all transactions above MYR 5,000
✓ Do NOT use Stripe for cash advances, crypto, or money transfers — use SWIFT instead
✓ Add a proper statement descriptor (shown on cardholder statement): "GSF*FINANCE"
✓ Enable webhook events for charge.failed — log and investigate every failure
⚓ AML/CFT & REGULATORY COMPLIANCE (BNM / AMLA 2001)
MANDATORY REPORTING
▹ Cash transactions > MYR 50,000 in single day
▹ Cross-border wire transfers > MYR 25,000
▹ Structuring / smurfing (multiple small amounts)
▹ Unusual transaction patterns vs customer profile
▹ Transactions from FATF high-risk jurisdictions
RECORD KEEPING
▹ All transaction records: 7 years minimum (PDPA)
▹ Customer KYC documents: 7 years
▹ SWIFT messages: 10 years (BNM requirement)
▹ Stripe charge receipts: 5 years
▹ Settlement ACH files: 7 years
REPORT TO
▹ FINTRAC (Financial Intelligence): suspicious transactions
▹ BNM FIED: STR / CTR reports
▹ LHDN: transactions with tax implications
▹ MCMC: digital payment notifications
Safety checks run automatically before every transaction and settlement. This panel shows the last evaluated result.
◆ LIVE PAYMENT COLLECTION — MANUAL CARD KEY-IN
GSF ▶ STRIPE TERMINAL
◆ CARD KEY-IN TERMINAL
▶ TRANSACTION FLOW GUIDE
DIRECT CHARGE
1. Enter card details above
2. Click EXECUTE PAYMENT
3. Funds hit Stripe balance
4. Request payout → GSF FUNDS
PRE-AUTHORIZE (HOLD)
1. Enter card details above
2. Click EXECUTE PAYMENT → mode PRE-AUTHORIZE
3. Card is held (not charged yet)
4. Go to SETTLEMENT tab → CAPTURE to finalize
5. Or VOID to release the hold
NOWPAYMENTS INVOICE
1. Enter amount + currency
2. Click EXECUTE → redirects to crypto invoice
3. Client pays in USDT/BTC/ETH
4. Funds convert to USDT in treasury
1. Enter card details above
2. Click EXECUTE PAYMENT
3. Funds hit Stripe balance
4. Request payout → GSF FUNDS
PRE-AUTHORIZE (HOLD)
1. Enter card details above
2. Click EXECUTE PAYMENT → mode PRE-AUTHORIZE
3. Card is held (not charged yet)
4. Go to SETTLEMENT tab → CAPTURE to finalize
5. Or VOID to release the hold
NOWPAYMENTS INVOICE
1. Enter amount + currency
2. Click EXECUTE → redirects to crypto invoice
3. Client pays in USDT/BTC/ETH
4. Funds convert to USDT in treasury
█ SETTLEMENT CENTER — PENDING CAPTURES
GSF ▶ STRIPE PRE-AUTH MANAGEMENT
█ PRE-AUTH SETTLEMENT GUIDE
STEP 1 — PRE-AUTHORIZE
Use COLLECT tab → PRE-AUTHORIZE mode.Card holder's funds are held — not yet charged.
STEP 2 — CAPTURE (HERE)
When service is confirmed, click CAPTURE below.You may adjust the final amount before capture.
STEP 3 — PAYOUT
After capture, funds sit in Stripe balance.Go to GSF FUNDS → request bank payout.
VOID — RELEASE HOLD
If service was cancelled, click VOID.Cardholder's hold is released immediately.
Click LOAD PENDING CAPTURES to fetch all held authorizations from Stripe.
■ COLLECTED FUNDS LEDGER
REAL-TIME FUND STATUS — SkyNet Dynamics S.A.
● PENDING
● APPROVED
● RELEASED TO BANK
● SENT TO CRYPTO
● PENDING CRYPTO
● VOIDED
Loading fund ledger...
◆ QUANTUM CORE BANKING SYSTEM
BIC: ABHSMYKLXXX
SESSION: QS-1782957415879
TIME: --:--:--
● SECURE
SYSTEM STATUS
ONLINE
Uptime 99.97%
TRANSACTIONS
—
Total Records
ACCOUNTS
—
Registered
TOTAL VOLUME
—
All Transactions
SWIFT BIC
ABHSMYKLXXX
AL BARAKHA HORIZON
■ SYSTEM INFORMATIONQUANTUM CORE BANKING v9.0
| SOFTWARE | QUANTUM CORE BANKING SYSTEM |
| VERSION | 9.0.4.2 (Build 20240318) |
| LICENSED TO | AL BARAKHA HORIZON SDN BHD |
| LICENSE KEY | QCB-APAC-2024-8847 |
| NODE ID | GSF-NODE-01 |
| REGION | APAC — MALAYSIA |
| SWIFT BIC | ABHSMYKLXXX |
| DATABASE | CONNECTED (Neon PostgreSQL) |
| ENCRYPTION | AES-256 / TLS 1.3 |
| ISO STANDARD | ISO 8583:1993 / ISO 20022 |
| SWIFT MODULE | MT103 / MT202 / GPI ENABLED |
| CARD NETWORKS | VISA / MASTERCARD / AMEX (via Stripe) |
▶ REGISTERED ACCOUNTS
| ACCOUNT ID | NAME | TYPE | CURRENCY | BALANCE | SWIFT | IBAN |
|---|---|---|---|---|---|---|
| Loading... | ||||||
▶ TRANSACTION LEDGER
| REF | CLIENT | AMOUNT | CCY | METHOD | STATUS | DATE |
|---|---|---|---|---|---|---|
| Loading... | ||||||
☍ SECURE DOCUMENT VAULT
Loading vault...
▲ UPLOAD DOCUMENT TO VAULT
Upload PDF, TXT, or other documents directly into the Quantum Core Document Vault.
All files are stored securely and accessible system-wide.
NODE
GSF-NODE-01
VERSION
9.0.4.2
UPTIME
99.97%
REGION
APAC-MY
◉ MODULE STATUS
| MODULE | VERSION | STATUS | LAST CHECK |
|---|---|---|---|
| ISO 8583 PROCESSOR | v4.2.1 | ONLINE | — |
| SWIFT GPI MODULE | v3.1.0 | ONLINE | — |
| STRIPE GATEWAY | v2024.1 | LIVE | — |
| MT103 / MT202 ENGINE | v5.0.3 | ONLINE | — |
| CRYPTO MODULE (TRC20) | v1.8.2 | STANDBY | — |
| TRONLINK BRIDGE | v2.1.0 | STANDBY | — |
| DOCUMENT VAULT | v1.0.0 | ONLINE | — |
| AML / CFT ENGINE | v6.3.1 | ONLINE | — |
| DATABASE (Neon PG) | v15.x | CONNECTED | — |
▶ CUSTOMER.ENQUIRY — All Bank Customers
| CUSTOMER ID | FULL NAME | PHONE | TYPE | BALANCE | CCY | SWIFT BIC | STATUS | |
|---|---|---|---|---|---|---|---|---|
| Click REFRESH to load customers | ||||||||
VERSION
FUNDS.TRANSFER,FT
T24 Transact Module
CHANNEL
LIVE
DuitNow / InstaPay / SWIFT
CLEARING
PayNet MY
IBG 7300 · RTGS
◊ NEW FUNDS.TRANSFER INPUT
▶ RECENT FUNDS.TRANSFER LOG
| TX REF | DEBIT ACCT | BENEFICIARY | AMOUNT | CCY | CHANNEL | STATUS | DATE |
|---|---|---|---|---|---|---|---|
| Load recent transfers above | |||||||
▲ SWIFT MT103 — Single Customer Credit Transfer
█ QUANTUM TRANSACT — COMMAND TERMINALGSF Digital eWallet · Node: GSF-NODE-01 · APAC
GSF>
█ QUICK COMMANDS
ENGINE
RECEIVE.MONEY
Protocol 101 & 201
ONLINE
101.1–8
Real-time 8 Protocols
OFFLINE
201.1–9
Batch / Deferred 9 Protocols
CLEARING
PayNet · SWIFT
IBG 7300 · RTGS · GPI
▼ ONLINE PROTOCOL 101 — SELECT CHANNEL
PROTOCOL: —
REF: —
— enter account above —
▶ RECEIVE.MONEY LOG — Recent Incoming Transactions
| RX REF | PROTOCOL | PAYER | AMOUNT | CCY | CHANNEL | CREDIT ACCT | STATUS | TIMESTAMP |
|---|---|---|---|---|---|---|---|---|
| Click REFRESH to load receive log | ||||||||
ENGINE
CREDIT.LIMIT
Limit Distribution
SOURCE
GSF CLEARING
Acct 7300000001
ELIGIBLE
—
Credit Card Holders
ZERO LIMIT
—
Awaiting Assignment
◆ BULK CREDIT LIMIT ASSIGNMENT — All Card Holders
◆ CREDIT CARD HOLDER LIST — GSF Digital eWallet
| ACCOUNT NO | FULL NAME | CARD TIER | CARD NO | CREDIT LIMIT | CREDIT AVAIL | STATUS | ACTION | |
|---|---|---|---|---|---|---|---|---|
| Click REFRESH to load credit card holders | ||||||||
MODULE
CIS.EXTRACT
Client Info Sheet
ACCESS
RESTRICTED
Operator Level 3
ENCRYPTION
AES-256
PCI-DSS Compliant
AUDIT
LOGGED
All queries tracked
■ CIS CARD DATA LOOKUP — Enter identification or approval code
■ CIS EXTRACT AUDIT LOG
| TIMESTAMP | OPERATOR | METHOD | QUERY | RESULT |
|---|---|---|---|---|
| Audit log loads on access | ||||
★ GLOBAL BANK OFFICERS DIRECTORY
REAL VERIFIED OFFICERS • LEVEL 1–40 • WORLDWIDE
Loading...
GSF INTELLIGENCE DATABASE
-
LEVEL 36-40
CEO / CHAIRMAN
CEO / CHAIRMAN
-
LEVEL 30-35
MD / EXEC DIR
MD / EXEC DIR
-
LEVEL 20-29
VP / SVP
VP / SVP
-
SWIFT ACCESS
ENABLED
ENABLED
-
CORRESPONDENT
CAPABLE
CAPABLE
| LEVEL | NAME | TITLE | BANK | BIC | COUNTRY / CITY | DEPARTMENT | CONTACT | FLAGS | NOTES |
|---|---|---|---|---|---|---|---|---|---|
| Loading officers... | |||||||||
★ ADD BANK OFFICER
▮ QR PAYMENT GENERATOR
Generate a Stripe-powered QR code • Client scans → enters card → payment collected live
▶ PAYMENT DETAILS
▸ HOW TO USE THIS
1. Enter the amount you want to collect from your client
2. Enter a label so the client recognises what they are paying for
3. Click GENERATE QR — a unique Stripe payment link is created
4. Show the QR code on screen, print it, or WhatsApp the link to your client
5. Client scans → pays by card → money goes to your Stripe account
Minimum: 0.50 per currency • Stripe live key active • Settlement: SkyNet Dynamics S.A.
🏦 PLAID BANK LINK
Powered by Plaid Financial API • SkyNet Dynamics S.A.
NOT LINKED
◆ CONNECT CLIENT BANK ACCOUNT
Click LINK BANK ACCOUNT. A Plaid window opens — select any bank, then log in.
GSF receives real account balances, routing numbers, and transactions. Bank credentials never touch GSF servers.
🔑 SANDBOX TEST CREDENTIALS — Click any field to copy
Step 1 — Bank:
Search and select Chase or any bank
Step 2 — Username:
user_good 📋
Step 3 — Password:
pass_good 📋
Step 4 — MFA Pin:
1234 📋 (if asked)
Plaid Sandbox simulates real US bank data. Click any credential above to copy it to your clipboard, then paste into the Plaid window.
🔒 Bank credentials go directly to Plaid — never to GSF servers. Plaid is used by 8,000+ fintech apps globally.
Environment: SANDBOX
◆ REAL-TIME ACCOUNT BALANCE
No bank account linked yet. Click LINK BANK ACCOUNT to connect.
◆ DIRECT BANK ACCOUNT ENTRY — Manual Input (No Plaid Required)
Enter bank account details manually. Use this when the client provides their routing and account numbers directly.
Details are securely stored and can be used for ACH processing.
◆ ACH ROUTING & ACCOUNT NUMBERS
Link a bank account to see routing and account numbers for ACH transfers.
◆ CLIENT TRANSACTION HISTORY (Last 30 Days)
Link a bank account to pull real transaction history.
◆ ACH DEBIT — PULL FUNDS FROM CLIENT BANK
Uses the linked Plaid bank account to initiate a real ACH debit via Stripe. Funds settle in 1–5 business days. USD only.
Load routing numbers first to obtain the Account ID.
◆ MANDATE: By initiating this debit, the operator confirms the account holder has authorized this ACH withdrawal.
Stripe will settle this as a standard ACH pull — 1–5 business days.
◆ HOW PLAID WORKS WITH YOUR TERMINAL
🏦
1. LINK
Client connects their bank through secure Plaid overlay
⚖
2. VERIFY
GSF reads real balance — confirm funds exist before proceeding
▶
3. COLLECT
Use routing + account number to initiate ACH pull from client's bank
●
4. CONFIRM
GSF terminal records the verified payment in transaction log
◆ SANDBOX MODE: Use test credentials — Bank: Chase •
Username: user_good • Password: pass_good •
This simulates a real bank account with test balances. Switch to PRODUCTION in Plaid dashboard when ready for live clients.
▶ LIVE TRANSACTION CONSOLE — AL BARAKHA HORIZON SDN BHD
STRIPE LIVE • REAL FUNDS • PAYOUTS ENABLED
▶ STRIPE LIVE BALANCE — AL BARAKHA HORIZON SDN. BHD.
AVAILABLE BALANCE
—
Ready to payout to bank
PENDING BALANCE
—
Settling (2-7 business days)
LAST PAYOUT
—
Not yet
TOTAL CHARGED (30d)
—
All successful charges
■ INCOMING PAYMENTS — STRIPE LIVE CHARGES
Click LOAD to fetch real Stripe charges…
▶ PAYOUT HISTORY — TRANSFERS TO BANK
Click LOAD to fetch payout history…
◆ REAL TRANSACTION FLOW — COLLECT TO PAYOUT
▶
1. COLLECT
Share Stripe Payment Link from PROTOCOLS tab. Client pays with card or bank. Funds land in Stripe.
◷
2. SETTLE
Stripe verifies and settles the charge. Funds move from PENDING to AVAILABLE balance (2-7 days cards, 1-3 days ACH).
♦
3. PAYOUT
Click PAYOUT TO BANK. Stripe transfers available balance to SkyNet Dynamics S.A. partner bank account. Standard: next business day.
●
4. BANK RECEIPT
Partner bank receives funds. GSF terminal records payout. Transaction cycle complete.
◆ ACCOUNT: AL BARAKHA HORIZON SDN. BHD. •
STRIPE ID: acct_1T6eUvE5vMQE89cq •
COUNTRY: MY •
CHARGES: ENABLED •
PAYOUTS: ENABLED •
MODE: LIVE