Fintech infrastructure for banks, fintechs and merchants

The Future, Financially Engineered

Issuing, acquiring and core banking on one integrated platform.

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PayNRoute
  1. 01Pay.

    A contactless tap starts the journey.

  2. TerminalTokenised
  3. 02Route.

    Acquirer, card network and issuer: every hop verified in real time.

  4. AcquirerFraud score 0.02
  5. Card network3-D Secure ✓
  6. IssuerAuthorised
  7. 03Approved.

    The approval races back. The merchant is funded and the ledger posted.

  8. TerminalApproved ✓
  9. SettlementMerchant funded · ledger posted
One platform

One core. Four service lines.

01Ledger & settlement

Digital Banking Ecosystem

Cloud-native core banking, internet and mobile banking, open banking and AI.

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02Issuer node

Issuing Services

Debit, credit, prepaid, virtual and Islamic cards, with instant issuance and wallet tokenisation.

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03Terminal & acquirer

Acquiring Services

POS, SoftPOS, QR, pay-by-link, payment gateway and ATM, with merchant settlement.

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04Fraud & 3DS checks

Value Added Services

Fraud management, 3-D Secure, loyalty, analytics, back office and contact centre.

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What we bring

Five disciplines, one partner

One team takes your programme from first roadmap to live service.

  1. 01Design

    Consultancy

    Programme design, scheme readiness and launch support.

    Launch plan
  2. 02Build

    Fintech

    Payments and banking platforms built for regulated institutions.

    Ledger · cards · payments
  3. 03Connect

    Digital Solutions

    Web, mobile and branch channels on one connected stack.

    Web · mobile · branch
  4. 04Onboard

    KYC Analysis

    Digital onboarding, identity verification and AML-CFT screening.

    Identity verified
  5. 05Improve

    AI Integration

    Assistants, fraud signals and insights embedded in your workflows.

    Risk score 0.02
Why PayNRoute

Infrastructure you can build a bank on

  1. API-first

    REST APIs and webhooks

  2. Cloud-native

    Scales with your volume

  3. Secure by design

    Designed to support PCI DSS

  4. Modular

    Start small, add modules

Security & standards
How it fits together
Global by design

Every major scheme. Every time zone.

Issue and accept across the international schemes, from five financial centres.

  • Visa
  • Mastercard
  • American Express
  • UnionPay
  • JCB
  • Diners Club
  • Meeza
CoverageLocal time
New YorkUTC−5
LondonUTC+0
SingaporeUTC+8
TokyoUTC+9
SydneyUTC+10

Ready to route what comes next?

Tell us your roadmap. We'll map the platform to it.

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