Turning data into intelligence and automation

FinTech and Payments Engineering That Ships Production Systems

We build and modernize compliant payment platforms, KYC and KYB onboarding, AML-ready workflows, gateways, settlement, and reconciliation with full testing and certification support.

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PaymentsKYCKYBAMLCryptoDigital AssetsGatewaysSettlementReconciliationCertification

Faster integrations and smoother launches

Fewer payment failures

Accurate settlement and reconciliation

Compliance-ready onboarding

Key Challenges in FinTech and Payments

Payments are where trust is won or lost. Smooth onboarding, reliable transactions, and clean settlement are essential for operational confidence and customer trust.

Payment failures and unpredictable declines

KYC friction and onboarding drop-off

KYB complexity for merchant onboarding

AML readiness gaps and weak audit trails

Settlement and reconciliation breaks causing financial risk

Testing gaps and certification delays impacting go-live

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Core Services

KYC, KYB, & AML Readiness

Customer onboarding journeys with step-up verification
KYB workflows for merchant and business onboarding
Document capture with OCR-based data extraction
Document validation and verification checks
Risk-based decisioning and verification levels
AML screening integrations with audit trails
Ongoing monitoring foundations
Case management integration hooks

Payments & Gateway Engineering

Payment gateway architecture and orchestration layers
Multi-PSP routing, retries, and failover strategies
Secure tokenization and credential storage
3DS 2.x readiness and risk checks
Webhook handling with idempotent processing
Payment status lifecycle modeling
Operational tooling for support and finance teams

Clearing, Settlement, & Reconciliation

Settlement file generation and parsing including TLF flows
Automated reconciliation with exception management
Fee, commission, and net settlement calculations
Merchant statements and finance reporting
Operational dashboards for settlements and payouts
Break management workflows with audit trails

Testing & Certification Support

End-to-end onboarding and payment testing strategies
QA automation and regression testing suites
UAT support and release readiness gates
Load testing and reliability validation
Certification evidence pack preparation
Production monitoring and incident playbooks

Risk, Fraud, & Transaction Monitoring

Rules engines and velocity-based fraud detection
Real-time alerts and monitoring dashboards
Comprehensive audit logs and traceability
Dispute, refund, and chargeback workflows
Transaction investigation tooling
Operational risk controls and escalation paths

POS, MPOS & Self-Service Banking

MPOS and softPOS integration for iOS and Android
Contact and contactless payment enablement
Terminal and card-present payment workflows
ATM and Bulk Deposit Machine integrations
Hardware communication via secure WebSockets
Machine monitoring and operational event handling

Our FinTech Capabilities

Digital Assets & Blockchain

On-ramp and off-ramp integration patterns
Transaction monitoring and compliance workflows
Ledger and wallet architecture concepts
API security and custody partner integrations

Trading & Wealth Tech

Brokerage integration and order lifecycle modeling
Portfolio reporting and operational workflows
Risk controls and compliance hooks

OUR FEATURED INSIGHT

LolliCash – Cross Border Wallet Platform

Key Deliverables

Cross-border transaction lifecycle with retries and reversals
Operations console with timelines and reprocessing hooks
Corridor controls and partner availability handling
AI-assisted failure classification and support insights

Outcomes

45–60% recovery on retry-eligible failures
34% reduction in MTTR with centralized observability
Up to 92% faster support resolution using AI copilots

Projects Delivered in FinTech and Payments

A comprehensive portfolio of compliant, scalable payment and banking systems

LolliCash wallet platform with KYC and cross-border payments

Payment gateway orchestration and certification readiness

Settlement automation and reconciliation engines

Bulk Deposit Machine (BDM) for Al Rajhi Bank

Bank in Branch solution for ADCB

MPOS and cash register payment platforms

Ready to gain a competitive edge by harnessing AI-driven insights, transforming your data, and modernizing your technology?

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