• Prepaid

    In locale
  • Prepaid

    In locale

Availability Service Level Agreements

This document defines the acceptable and unacceptable service levels, the indicators associated with these service levels, and actions to be taken in specific circumstances.

These SLAs (Service Level Agreements) are relevant only for startups. For enterprise SLAs contact our sales team at fusion-support@zeta.tech

Service Performance and Availability SLA Table

Sr No. Scope SLA Item SLA Threshold Critical Threshold
1 Processing and authorisation:
The processing platform and authorization software system will be available and operational 7 days a week 24 hours a day.
Platform availability for authorisation
Calculation:
Availability is measured as a ratio of system uptime to total time
99.5% 99%
Switch availability for transaction routing
Calculation: Availability is measured as a ratio of system uptime to total time
99.5% 99%
Authorisation response time
Calculation: Calculated time taken to provide an authorisation response to the outbound queue
99.5%
in < 5 sec
99%
in < 5 sec
API and web services availability
Calculation: Availability is measured as a ratio of web service uptime to total time
99.5% 99%
2 Portals and system interfaces part of Zeta SaaS:
Web browser-based Customer facing website functions, portals and system interfaces will be available and live 7 days a week and 24 hours a day)
Platform availability (Portals)
Calculation: Availability is measured as a ratio of platform uptime to total time
99% 97%
API and web services availability (Mobile Apps)
Calculation: Availability is measured as a ratio of service uptime to total time
99% 97%
API response time (Applicable for critical APIs; The list of these APIs will be shared by Issuer)
Calculation: Calculated time taken to provide a response to the API call
99% in less than 500 m secs 95% in less than 500 m secs
3 Batch files
Loads,Settlements

(The batch file processing system will be operational to process files 7 days a week and 24 hours a day)
Batch File processing performance - Inbound and Outbound 100 loads per minute per product; Up to a max of 1000 loads per minute across all products 50 loads per minute per product; Up to a max of 500 loads per minute across all products
4 Batch files
Card Creation, Card Re-Issuance

(The batch file processing system will be operational to process files 7 days a week and 24 hours a day)
Embossing file generation 30 mins for 6,000 records 60 mins for 10,000 records
5 BCP
DRP

(This is linked to recovery process from the back-up in case of outage in the primary data centre and the amount of time till which data may be lost from the IT Service / Platform)
RTO & RPO
The recovery time objective (RTO) is the targeted duration of time and a service level within which a business process must be restored after a disaster (or disruption) in-order to avoid unacceptable consequences associated with a break in business continuity.
A Recovery Point Objective (RPO) is defined as the maximum targeted period in which data (transactions) might be lost from an IT service due to a major incident.
RPO - 10 mins
RTO - 30 mins

Service Credits

  • Service credits is the sole remedy available
  • The SLAs are assessed at the end of the calendar month
  • The assessment report shall be shared by the end of 15th business day of every calendar month (or by the end of the following business day if the 15th day of the month is a not a business day) for the previous month (assessment month).
  • For the sake of computation of recurrence of an incident, an incident opened/reopened within 24 hours will be deemed as the same incident and will be counted as one occurrence.
  • It is agreed between the parties that during an incident the objective of the teams will be to expeditiously resolve the incident and make reasonable assessment of the severity and call for certain elevated incident response, the true severity of an incident will be assessed only during the RCA phase, post the resolution of the incident.
  • Service level credits will only be applicable once the billing for the program goes live
  • The following table provides the service credit applicable for deviations in meeting the Production Incident Resolution of various levels of severity within a month as a percentage of the monthly interchange fees payable for that month
  • If a particular severity is not resolved within the defined time frame , then for every additional day the same amount of credit will be calculated as the original calculation For avoidance of doubt please see example- First time SLA missed for a Sev 0 will be 0.5%. If this is resolved in 4 days post resolution time total Credit will be 0.5%*4=2%
  • Total amount of credit under this SLA for any month will be capped at 10%
  • Adjustment will be done at the time of actual billing
Calculated Monthly Sev 0 Sev 1 Sev2 Sev3 Sev4
First Time SLA Missed 0.5% Warning Warning Warning Warning
Second Time SLA Missed 1% 1% Warning Warning Warning
Third Time SLA Missed 2% 2% 1% Warning Warning
Fourth Time SLA Missed 4% 3% 2% 1% 0.5%
  • The following table provides the service credit applicable for Service Performance and Availability SLA breaches for various operations described in the table provided above. All consecutive month SLAs are computed considering the months immediately preceding the assessment month. The specified service credit will be applicable if there** **is a Critical Threshold Breach within the same SLA Item across the consecutive preceding months to the assessment as specified below, as a percentage of the minimum interchange fees payable for that month
Critical Threshold Breaches considering the immediately preceding months from the assessment month Service Credit
First Time Breach in a Calendar year

Warning

Any other breach in a month in the Calendar year

0.5%

Penalty for a first consecutive month breach excluding First Time Breach

1%

Penalty for a 2nd consecutive month breach excluding First Time Breach

1.5%

Penalty for a 3rd or subsequent consecutive month breach excluding First Time Breach

2%

Responsibilities of parties

  • Zeta agrees that it will use its best effort to maintain service levels at SLA Threshold for each SLA Item.
  • It is agreed between the parties that during an incident the objective of the teams will be to expeditiously resolve the incident and make reasonable assessment of the severity and call for certain elevated incident response.
  • For the sake of computation of recurrence of an incident, an incident opened/reopened within 24 hours will be deemed as the same incident and will be counted as one occurrence.
  • Zeta and Issuer shall appoint a SPOC for all matters related to the Zeta SAAS. Both entities follow the escalation matrix defined below in table A in appendix. This matrix may be revised from time to time
  • Any planned maintenance/Downtime has 1 week of notice. For Emergency changes minimum of 1 day notice will be provided over email

Exclusions to the SLA commitments

  • The SLA commitments are not applicable for services or in case of events not in control of Zeta as highlighted below
  • SLA breaches due to unrecoverable underlying infrastructure failure from hosting provider or any components, services, connections that are outside Zeta’s control. Examples:
    • All or at least two availability zones of AWS go down in a region.
    • Any Force Majeure incidents that impact the accessibility of two or more operating locations of Zeta.
    • Any performance and SLA deviations due to targeted attacks on the platform by anyone or due to the breach of fair or projected usage patterns by Issuer or its customers.
      • Distributed Denial of Service attack originating from any server.
      • A customer uploading large or malformed files that impact order processing.
      • Sudden burst of requests (at least 3x greater than previously known volume for the time window) not in line with the previously known traffic patterns

Appendix

Table A: Escalation Matrix

Zeta will share a detailed escalation matrix with the issuer on an official email address (or such reporting mechanism) provided by Issuer. Table B: Legend of technical acronyms used in the SLA:

Acronym Full Form
API Application Program Interface
BCP Business Continuity Planning
DRP Disaster Recovery Planning
RCA Root Cause Analysis
SPOC Single Point of Contact