Skip to content

High-performing fintechs

Enabling rapid growth for maturing Fintechs

When Fintechs mature, it can mean sudden, exponential expansion. We have the flexibility, agility, speed and stability to sustain and accelerate rapid growth.


The ultimate Platform for card issuance of any kind

Real-time customer analysis

Our data is far richer, with more than 120 lines of layered, interpretable analysis, giving you immediate, actionable customer insight.

Go to market in four weeks

We're integrated with numerous core banking platforms worldwide, and have the most sophisticated, adaptive APIs. This lets us launch better programmes, faster.

The ultimate card issuing Platform

With the most sophisticated, flexible and stable APIs, and the deepest global reach, you can easily issue any card, anywhere.

Offer today's leading debit and credit products


Issue anything, anywhere

Our Platform has the power, flexibility and unmatched global reach to issue any kind of card – virtual or physical – in single or multi-currency, at any time, in a new country, or any of our 50+ active global markets.


Offer modern credit solutions for today's customer


Buy Now Pay Later, via mobile

Offer, approve and convert a purchase, at point-of-sale, into a BNPL offer; delivered via your customer’s mobile.


Turn purchases into instalments

Convert qualifying purchases, even at POS. We commit to a payment structure, then we schedule the repayments for you.


Evergreen credit

Allow qualifying customers to repeatedly access revolving credit – within a limit set by you – with repayments in regular instalments.

When you grow fast, we keep up.

The most capable Cloud solution

Fully in the cloud

We're fully Cloud-native – able to offer both shared and dedicated cloud instances. We integrate into any major Cloud system, with unmatched cost-effectiveness, stability, flexibility, and scalability.


Ultimate speed

Paymentology’s Platform supports high transaction speeds, out of the box. Put simply, this lets our customers do more than their competitors, faster.

Control in your hands

Everything is under your control, through the most powerful APIs, and our ultra-intuitive Client Portal.


Total control
Control through
API power

We’ve built everything in-house from the ground up using API technology. This creates modular-like flexibility which means our clients can do things like - access any data, at any time across cards, customers and programmes, automate processes like chargebacks, or test new products in minutes. The possibilities will astound you.

Rich data
Control through data-interface

We provide a more visual, more humanly intuitive approach to assessing data. Simply put, we allow humans to better and more easily understand human behaviour, on the spot.


Flexible and scalable
Control through agility

Our platform is more flexible, more granular, and more scalable. This allows you to set up new rules, parameters and products, and apply them rapidly and easily.

You set the rules
Business done on your terms

With the extreme flexibility and capability of PayRule.AI, you dictate exactly how you want your products to work. While other competitors let you set rules on a card level, we enable decision-making right down to a per-person or per-card basis.


Offer more options. Grow your revenue


Reduce back-office costs

Greater speed, greater efficiency, and richer data mean fewer chargebacks, less back-office legwork, and greater capitalisation on interchange fees.


Fraud-beating intelligence

Remain several steps ahead of fraud using AI & ML intelligence, the most secure APIs, the richest data, and our superior decision engine's extreme configurability.


Upsell to customers in real-time

Our analytics can be interpreted and applied in real-time, letting you make decisions, grant permissions and offer new products, when it matters most.

Is your fintech ready for Paymentology?

Our Platform has been built with the specific needs of mature fintechs in mind. To that end, it is best suited to those businesses who are ready for its significant proprietary and core capabilities. These questions will help determine whether we are the right Platform for you:


Do you have a substantial customer base?

For the established fintechs, that should mean more than 100 000 cards. But, if you are a new business, please continue nonetheless.


Do you have enough funding for your business?

Having the means to operate at our scale is important. In our experience, Fintechs with at least 5M runway can best benefit from Paymentology’s product.


Do you have the right team?

We believe that having the right people in your team, who have successfully run other fintechs, is imperative for success at this level.

Migrate smoothly

We understand banks. We’ve migrated tens of millions of cards for our clients.

  • We have a dedicated Migration Team, that will manage the migration process and train your teams.

  • We provide detailed developer-friendly documentation and wide range of testing tools to make the migration intuitive and smooth.


We have successfully migrated our clients from platforms like Wirecard, FIS and GPS.


We have integrated into many traditional and modern core banking systems, including Mambu, Thought Machine and 10x Banking.


Why is Paymentology the world’s most powerful issuing platform?

While others operate in just a few countries

We're everywhere in the world

We’re live in 50+ countries, across 14 time zones.


All types of cards

We can issue any type of card

We support all kinds of prepaid, debit and credit cards; be they physical, virtual, tokenised or numberless.


All major networks

We'll connect you with any type of network

We have a native integration into Visa, Mastercard and UnionPay.



We process across multiple regions, in any currencies you need.

We can launch products in any currency and offer multi-currency products too.


The ultimate Platform

Our Platform is fully Cloud-based, with the most advanced APIs and decision engine, and the fastest, richest data.

We offer both shared and dedicated clouds, and support Google Cloud, Microsoft Azure, and more.


Faster speed

We do more, at higher speed

We process at more than 1000 TPS, out of the box. Greater capacity means greater stability and scalability.


Around the world, around the clock

The ultimate in global customer service

24/7 customer service, with staff in 45 countries, speaking 20+ languages, across 14 time zones.


Quick-to market

We're faster off the blocks than everyone else

If you’re ready to go, we routinely get programmes up and running in as little as four weeks.


We do things first

Our technology enables real innovation

Our Platform's unmatched power, stability and scalability empowers big-thinking innovation.


Case study

About Mox

We enabled Mox to bring the next generation of banking through a cloud-based bank built from the ground up with resilient infrastructure and rapid, cost-efficient development cycles. Cardholders can see all their money in one place, make transfers or payments with just a few taps and gain insights into spending patterns.

Start innovating your
payments with us

Our scalable, flexible platform supports big innovations.
We shepherd our clients not only into, but to the forefront of
the digital-payment era.