Fintech & Payments
Card-network integration, approval-rate engineering, payment-data platforms and PCI DSS-ready delivery, from a team that has shipped it with the networks.
Our team has spent years inside payments infrastructure: integrating directly with Visa, Mastercard, Discover and American Express, running payment-data platforms that handle millions of card-not-present transactions a month, and operating under PCI DSS and SOC 2 controls. We bring that depth to companies whose revenue depends on payments working.
Our approach
We design for failure first: idempotency keys, explicit transaction states, retries with backoff and dead-letter queues someone actually watches. Every lifecycle event is stored and replayable, observability is there from day one, and certification artifacts are kept as living documents.
Typical technology
AWS (Lambda, Fargate, SQS, S3, RDS, Redshift, Athena, EventBridge, Step Functions), Kafka, Python, .NET, PostgreSQL, Terraform, GitHub Actions and Datadog. We choose tools for your situation, not out of habit.
What we build
- Network tokenization across all four major card networks
- Multi-network account updater services
- Approval-rate and decline-recovery engineering
- Dispute and chargeback evidence workflows
- Near-real-time payment-data platforms and dashboards
- Card-network onboarding and certification
- PCI DSS scope reduction and SOC 2-ready delivery
- Gateway, recurring billing and reconciliation integrations
Who it is for
- Payment service providers and processors
- Payment orchestration and infrastructure platforms
- Subscription and recurring-billing businesses
- High-volume online merchants and marketplaces
- Fintechs building cards, wallets, lending or embedded finance
What we do in fintech.
Network tokenization
Network tokens stay current when cards are reissued and carry cryptograms issuers trust, which lifts card-not-present approvals and reduces fraud exposure.
- Visa Token Service (VTS), Mastercard MDES and Secure Card on File (SCOF), Discover Tokenization and the American Express token service
- Token provisioning, per-transaction cryptograms, lifecycle events and card metadata
- Moving card-on-file vaults to network tokens, with sensible fallback when a token is unavailable
Account updater
Recurring payments fail when cards are replaced or renewed. An updater refreshes stored cards before the billing run.
- Visa Account Updater (VAU), Mastercard ABU and Real-Time Account Updater (RTAU), Discover GAU and American Express Cardrefresher behind one service
- Batch and real-time updates, timed ahead of billing runs
- One normalised result (new number, new expiry, closed account) with reporting per merchant and network
Approval-rate and decline recovery
Small improvements in approval rates are pure revenue for high-volume businesses.
- Decline codes normalised across processors and networks
- Soft and hard declines separated, with retries that respect card-network reattempt rules
- Issuer and BIN-level analysis, with controlled experiments so every change is measured
Disputes and chargebacks
- Visa Verifi Order Insight integration, so merchants can share enriched transaction detail with issuers
- Evidence assembly and dispute workflows
- Reason-code analytics to find and fix the root causes
Payment-data platforms
- Near-real-time ingestion from processors and PSPs through APIs, files and webhooks
- One normalised transaction model, warehoused for analysis
- Merchant dashboards and monitoring of data freshness and completeness
Network onboarding and certification
- Network specifications turned into a build and test plan
- Certification test cases run with the networks
- Go-live support and production verification
Compliance-ready engineering
- PCI DSS scope reduced through tokenization and segmentation
- SOC 2 controls built into delivery: secure development, least privilege, change management and logging
- Audit evidence produced as a by-product of the pipeline
- Decline and dispute analysis assistants for payment analysts
- AI-drafted chargeback evidence, approved by a person
- KYC and KYB document checks
- Transaction anomaly review with plain-language reasons
- Visa: VTS, VAU, Verifi Order Insight
- Mastercard: MDES, SCOF, ABU, RTAU
- Discover: Tokenization, GAU
- American Express: token service, Cardrefresher
- PCI DSS
- SOC 2
Card network names and trademarks belong to their owners; their use here describes integration experience and does not imply endorsement.
Systems we have engineered.
Network Tokenization Platform
A PCI DSS-compliant platform that replaces stored card numbers with network tokens across all four major card networks.
Read the solution Fintech · Recurring paymentsMulti-Network Account Updater
One account-updater service spanning Visa, Mastercard, Discover and American Express, keeping stored cards current before they fail.
Read the solution Fintech · Payment analyticsPayment Data & Dispute Evidence Platform
Near-real-time ingestion and analysis of card-not-present transactions at high volume, plus enriched evidence for chargeback disputes.
Read the solutionThe same proven process, whatever we build.
Discover
Goals, users, constraints.
Define
Scope, milestones, estimate.
Design
UX, architecture, security.
Build
Working software every sprint.
Launch
CI/CD, monitoring, handover.
Support
Maintain and improve.
Custom Software Development
Software shaped around how your business really runs: operations, finance, approvals, reporting and the workflows in between.
Learn moreSaaS Product Development
Multi-tenant platforms with subscriptions, roles, billing and admin tools, built to grow from the first customer to thousands.
Learn moreMobile App Development
iOS, Android and cross-platform apps, backed by secure APIs and backends that hold up under real use.
Learn moreHave a system that has to be right?
Tell us what you are building. We will reply with questions or a time to talk.