Full-stack payment gateway supporting traditional card rails, Open Banking, SEPA, Web3, and crypto payments. ISO 8583 & ISO 20022 compliant. Deploy in hours, not months.
Everything you need to process payments at scale, from a single unified API
Full acquiring and issuing capabilities with direct connections to Visa, Mastercard, and regional schemes.
SEPA Instant, UK Faster Payments, Open Banking, and account-to-account transfers.
Native blockchain integration supporting Bitcoin, Ethereum, stablecoins, and DeFi protocols.
PCI-DSS Level 1 certified with built-in fraud detection, AML screening, and regulatory compliance.
Built on NATS message bus for real-time, loosely coupled microservices that scale independently
Every decision is configurable through business rules - no code changes required
Route transactions by amount, currency, card brand, BIN range, merchant category, geography, or any custom attribute. Configure cascades and failover logic.
Define velocity limits, geographic restrictions, device fingerprint rules, and risk thresholds. Combine rules with AND/OR logic for precise control.
Calculate processing fees, interchange, scheme fees, and markups based on transaction attributes. Support tiered pricing and volume discounts.
Configure card controls, spending limits, merchant restrictions, and real-time authorization decisions for issued cards.
Define settlement schedules, funding splits, reserve calculations, and reconciliation rules per merchant or merchant category.
Enforce AML transaction monitoring, sanctions screening, PEP checks, and regulatory reporting requirements through configurable rule sets.
Every component communicates through the NATS message bus, enabling:
// Message Subjects
fraud.screen → Fraud screening request
fraud.result → Fraud decision response
router.route → Routing request
router.cascade → Cascade on decline
gateway.health → Service health checks
transaction.* → Transaction events
settlement.* → Settlement events
*.config.update → Hot config reload
// Example: Fraud Screening
NATS.request('fraud.screen', {
transactionId: 'TXN001',
amount: 15000,
currency: 'EUR',
cardHash: 'sha256...',
merchantId: 'mer_123',
deviceFingerprint: 'fp_abc'
})Built to meet the most demanding regulatory and industry standards
Aligned with Banking Industry Architecture Network service domains for Card Authorization, Card Capture, Card Clearing, and Payment Initiation.
Full support for ISO 8583:1987, 1993, and 2003 message specifications. Field-level customization for Visa, Mastercard, and regional network variants.
Native ISO 20022 XML messaging for SEPA, SWIFT, and real-time payment systems. Support for pain, pacs, and camt message types.
Certified PCI-DSS Level 1 compliant. Tokenization, P2PE, and network segmentation built into the architecture.
Strong Customer Authentication with 3D Secure 2.0, delegated authentication, and transaction risk analysis exemptions.
EMVCo certified for chip card processing, contactless (NFC), and mobile wallet transactions (Apple Pay, Google Pay).
PSD2 AISP/PISP compliant APIs. UK Open Banking, Berlin Group, and STET standard support for account access and payment initiation.
SWIFT gpi for cross-border payments. SEPA Credit Transfer, SEPA Instant, and SEPA Direct Debit scheme compliance.
Our architecture maps to BIAN service domains for seamless integration with banking ecosystems:
// BIAN Service Domain Mapping
┌─────────────────────────────────────┐
│ BIAN Card Authorization │
│ ┌─────────────────────────────┐ │
│ │ W3G8 Acquiring Service │ │
│ │ + Fraud Engine │ │
│ └─────────────────────────────┘ │
└─────────────────────────────────────┘
┌─────────────────────────────────────┐
│ BIAN Card Transaction Switch │
│ ┌─────────────────────────────┐ │
│ │ W3G8 Switch Service │ │
│ │ ISO 8583 ↔ ISO 20022 │ │
│ └─────────────────────────────┘ │
└─────────────────────────────────────┘
┌─────────────────────────────────────┐
│ BIAN Payment Initiation │
│ ┌─────────────────────────────┐ │
│ │ Open Banking Gateway │ │
│ │ SEPA / Faster Payments │ │
│ └─────────────────────────────┘ │
└─────────────────────────────────────┘Modular microservices architecture designed for flexibility and scale
Accept card payments from any channel - online, in-store, mobile, or recurring. Our acquiring engine handles authorization, capture, refunds, and chargebacks with sub-50ms latency.
POST /v1/payments/authorize
{
"amount": 10000,
"currency": "EUR",
"card": {
"token": "tok_visa_4242"
},
"merchant_id": "mer_abc123",
"3ds": {
"challenge": "frictionless"
}
}Issue virtual and physical cards instantly. Full lifecycle management with real-time controls, spend limits, and merchant category restrictions.
POST /v1/cards/issue
{
"type": "virtual",
"cardholder_id": "ch_12345",
"currency": "GBP",
"spending_limits": {
"daily": 100000,
"monthly": 500000
},
"allowed_mcc": ["5411", "5912"]
}Secure storage for sensitive payment data. Tokenize PANs, store credentials, and maintain PCI compliance without handling raw card data in your systems.
POST /v1/vault/tokenize
{
"pan": "4111111111111111",
"expiry": "12/28",
"cvv": "123"
}
Response:
{
"token": "tok_live_a1b2c3d4",
"last_four": "1111",
"brand": "visa",
"fingerprint": "fp_xyz789"
}High-performance message switching supporting ISO 8583 and ISO 20022 protocols. Route transactions between acquirers, issuers, and payment networks with intelligent failover.
// ISO 8583 Authorization
MTI: 0100
[2] PAN: 4111111111111111
[3] Processing Code: 000000
[4] Amount: 000000010000
[14] Expiry: 2812
[22] POS Entry: 051
[23] Card Seq: 001
[35] Track2: ...encrypted...
[41] Terminal ID: TERM0001
[42] Merchant ID: MERCHANT001Full simulation environment for testing without connecting to live networks. Emulate Visa, Mastercard, and regional scheme responses for comprehensive integration testing.
// Emulator Configuration
{
"scenario": "intermittent_decline",
"decline_rate": 0.15,
"decline_codes": ["05", "51", "61"],
"latency": {
"min_ms": 45,
"max_ms": 150
},
"3ds_challenge_rate": 0.10
}Built for demanding payment workloads and regulatory requirements
Native support for ISO 8583:1987, 1993, and 2003 message formats. Connect directly to card networks with full bitmap and field-level customization.
Future-proof with ISO 20022 XML messaging. Support for SEPA Credit Transfers (pain.001), instant payments (pacs.008), and account statements (camt.053).
Go live in hours, not months. Pre-built integrations, containerized services, and infrastructure-as-code templates for instant deployment.
Serve multiple merchants, PSPs, or business units from a single deployment with complete data isolation and custom branding.
ML-powered fraud screening with velocity checks, device fingerprinting, geographic analysis, and network graph analysis via Neo4j.
Route transactions based on cost, approval rates, geography, or custom rules. Automatic cascade on declines with configurable retry logic.
Hardware Security Module support for cryptographic key management, PIN translation, and CVV validation. PCI PTS certified.
Built on NATS message broker for loose coupling, horizontal scaling, and real-time event streaming to your systems.
One integration, hundreds of payment methods worldwide
Cloud-native architecture runs on any infrastructure
Contact our team for a personalized demo and pricing discussion.