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digital-banks

Digital banks
Taking Digital Banks
to the next level

Digital Banks are today’s new powers in banking. Those that want to be the global institutions of tomorrow will require the stability, scalability, speed, reach, and flexibility that only our Platform assures.

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mox
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The ultimate card-issuing Platform

We understand Neo Banks. We know that it takes stability, agility and flexibility to get to the next level, and beyond. We’re able to deploy products quickly, customise them easily, and keep pace when you grow exponentially.

Real-time data. Deeper analytics

With one richly layered data-set, our real-time analytics let you make informed decisions, offer relevant products, capitalise on interchange fees, and more.

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.

One Platform that has it all

With the most sophisticated, secure APIs, a complete Cloud solution, Banking Live, PayRule.AI, and true global reach, we get bigger things done, faster.

Offer today's leading debit and credit products

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Issue anything
you want

Our comprehensive platform allows you to issue any type of card. Whenever you want to launch a single or multicurrency card in a virtual or physical way, in any part of our 60 active markets or in a new country, our platform is the right tool for it.

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Offer modern
credit solutions for today's customer

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 60 active global markets.

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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.

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Turn purchases into instalments

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

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Evergreen credit

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

Scale without compromise

Cloud

Cloud

Fully in the cloud

Being fully cloud native, we can provide or integrate into any kind of major cloud system for maximum cost-effectiveness and scalability. We're the only platform that offers shared cloud instances. We set the benchmark for best practice, efficiency and scalability.

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Processing at
ultimate speed

Our Platform supports over 1000 TPS, out of the box. Faster processing means greater capacity, which in turn, enables both smooth scalability and flexible, rapid product design, deployment and enhancement.

Control in your hands

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

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Total control

Control through
API power

We build the world's most powerful APIs, in-house, from the ground up. This creates seamless, modular flexibility, letting our clients easily access real-time data across cards, customers and programmes. Processes like chargebacks are easily automated, with new products tested in minutes.

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, as it happens in real time.

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Flexible and scalable

Control through agility

Our Platform's APIs are more flexible, more granular, and more scalable. This allows you to set up new rules, parameters and products, deploy them, automate processes, and fine-tune as needed, with ease.

You set the rules

Business done on your terms

PayRule.AI's extreme flexibility and granularity let you dictate exactly how you want your products to work. While others let you set rules on a card level, we enable decision-making right down to a per-person or per-card basis.

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Offer more options. Grow your revenue

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Reduce back-office costs

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

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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.

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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.

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.

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

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

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Clients trust us

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“Their in-depth knowledge of issuer side processing allows us to integrate into our core banking and is proving highly adaptable to our needs.”

Deniz Güven
CEO Mox Bank, Standard Chartered

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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 60 countries, across 14 time zones.

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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.

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All major networks

We'll connect you with any type of network

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

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Multi-currency

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

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

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The ultimate Platform

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

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

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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.

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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.

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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.

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We do things first

Our technology enables real innovation

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

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Case study
Mox

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.