OmniPayments provides a full set of functionalities to support payment transactions that are acquired, authenticated, routed, switched and authorized across multiple input channels, including ATMs, POS terminals, kiosks, IVRs, and the Internet. OmniPayments allows the transaction originator (acquirer) to initiate a payment request and to receive authorization for an action on a customer card or an account from a transaction authorizer (issuer). It routes the transaction between the originator and the authorizer and can accommodate both on-us and not-on-us transactions. For transactions that need to go to external issuers, OmniPayments provides switch interfaces and optional stand-in functionality when the issuer is unavailable. Central to OmniPayments’ transaction services are three primary components – ATM, POS, and Switch.