Routing
Intelligent Multi-Acquirer Switch
Dynamically route transactions across dozens of banks and PSPs based on BIN, card brand, fee tier, and live authorization health.
Payment Institutions (PI)
Carrier-grade payment gateway and acquiring switch.
Operate a carrier-grade payment gateway and merchant acquiring platform. Intelligent multi-acquirer routing, sub-merchant onboarding, automated fee settlement, and frictionless 3DS 2.2 authentication.
Multi-Acquirer Switch
3DS 2.2 Frictionless
Automated Split Settlements
Sub-Merchant Underwriting
Acquiring engine stream
streaming- 14:02:11routing.decisionBIN 411122 routed to Bank A (lowest interchange)
- 14:02:09auth.approved₺2,850.00 via 3DS 2.2 frictionless flow
- 14:02:04failover.activeAcquirer B timeout · instantly cascaded to Bank C
- 14:01:58merchant.settledDaily batch payout cleared for sub-merchant #402
- 14:01:52chargeback.loggedAutomated evidence compilation dispatched
Daily Processed Volume₺680M ▲ +4.2% Auth Lift
Engineered for high-volume acquiring and processing
Complete payment switch technology with zero vendor lock-in and multi-acquirer resilience.
Onboarding
Sub-Merchant Underwriting & Portals
Automate merchant KYC, risk scoring, fee schedule configuration, and dedicated self-serve reporting dashboards.
Auth Optimization
Frictionless 3D Secure 2.2
AI-powered SCA exemption engine maximizing frictionless authentication rates while maintaining strict regulatory compliance.
Disputes
End-to-End Chargeback Automation
Real-time dispute notification webhooks, automated evidence collection, and direct issuer representation workflows.
Settlement
Automated Payouts & Commission Splits
Calculate gross-to-net merchant payouts, withhold commission tiers, and execute automated batch clearing.
Omnichannel
Online, Mobile & POS Unified Vault
Independent tokenization vault unifying e-commerce, mobile SDK, and physical Android/Linux Smart POS transactions.
Transaction processing from authorization to clearing
Four high-throughput steps power every transaction through your network.
1
1. Ingestion & BIN Inspection
Identify card attributes, risk velocity, and interchange cost tier in under 10ms.
2
2. Smart Acquirer Dispatch
Route transaction to optimal bank POS connector with zero-latency cascading failover.
3
3. 3DS 2.2 Decisioning
Orchestrate biometric or OTP challenge only when required by risk exemptions.
4
4. Batch Settlement & Split
Calculate interchange fees, retain margins, and disburse merchant net payouts automatically.
+4.2%
Average authorization rate uplift
<35ms
Processing routing latency
300+
Pre-built bank and PSP connectors
99.99%
Gateway core uptime SLA
Own your payment switch and acquiring rails.
Scale transaction volume without single-acquirer limitations or unexpected gateway downtime.