Enterprise Acquiring & Issuing Technology

Process Cards.
Launch Programs.
Own Your Ecosystem.

AcquinTech gives banks, fintechs, and payment institutions enterprise-grade card processing software — deployed in weeks, not years.

Request a Demo Explore Products
PCI DSS Level 1 EMV Level 2 ISO 27001 5,000+ TPS
0 Transactions Per Second
Sub-200ms Authorization Latency
0 Uptime Design Target
8–12 Weeks SaaS Deployment
Our Software

Two Platforms. One Infrastructure.

License independently or together — built for enterprise scale from day one.

Acquiring Processor

Process merchant card payments across POS, e-commerce, mobile, and MOTO channels. Full authorization, clearing, settlement, and chargeback lifecycle.

  • Merchant Onboarding
  • Multi-Channel
  • Clearing & Settlement
  • Fraud & Risk
  • DCC & FX
Explore Acquiring

Issuing Processor

Complete card programme management from card creation through authorization, fraud controls, cardholder management, billing, and scheme settlement.

  • Card Programme Mgmt
  • Real-Time Auth
  • 3D Secure ACS
  • Card Lifecycle
  • Billing & Repayment
Explore Issuing

This is a technology product, not a turnkey service. You provide your scheme relationships and BIN sponsorship — we provide the platform.

Acquiring Processor

Power Every Merchant Payment

From single-store POS to multi-market e-commerce, our acquiring processor handles the full transaction lifecycle — authorization, clearing, settlement, and beyond — at enterprise scale with fintech agility.

  • Supports purchase, refund, reversal, recurring, and instalment transactions
  • Multi-currency DCC with live FX rate management
  • ML-based fraud screening with 3D Secure 2.x integration
  • Split settlement and multi-payout cycle management
Talk to a Specialist

Merchant Onboarding

Automated KYB, risk scoring, and merchant portal setup

Transaction Authorization

Real-time ISO 8583 authorization at sub-200ms latency

Multi-Channel Support

POS, e-commerce, mobile, MOTO — one unified platform

Clearing & Settlement

Automated scheme file generation, multi-currency payouts

Chargeback Management

Full dispute workflow from representment to arbitration

DCC & Currency Conversion

Dynamic currency conversion with live FX rate feeds

Tokenization

EMV network tokenization; PCI-compliant vault storage

Fraud Prevention & Risk

ML scoring, velocity rules, 3DS2, AML monitoring

Card Programme Mgmt

Debit, credit, and prepaid programme configuration

Card Production

Physical & virtual card issuance with bureau integration

Authorization Engine

Real-time balance, velocity, MCC, and geo controls

Cardholder Management

Full cardholder lifecycle, self-service portal integration

Fraud & Risk Controls

ML-based fraud scoring, rules engine, block/allow lists

3D Secure ACS

EMVCo 3DS 2.x Access Control Server, frictionless flow

Billing & Repayment

Flexible cycles, interest calc, instalment plans, collections

Settlement Processing

Multi-scheme clearing: IPM/GCMS, BASE II/TC33, GNS

Issuing Processor

Launch Card Programs.
Keep Full Control.

From programme design through card production, real-time authorization, and billing — our issuing processor gives you complete ownership of your card product without depending on a switch operator.

No Switch Operator. No Wait.

Direct issuing — you control the programme, the data, and the roadmap. AcquinTech provides the engine.

Talk to a Specialist
Scheme Coverage

Scheme-Ready Out of the Box

Full protocol support for all major card networks — from certification to live production.

Mastercard

Banknet, GCMS, IPM, MDES tokenization, 3DS2 ACS, Instalments, MIP certification ready.

  • Banknet / GCMS / IPM
  • MDES Tokenization
  • 3DS2 ACS
  • Mastercard Instalments

Visa

VisaNet, BASE II/TC33, VROL, VTS tokenization, Visa Secure ACS, Visa Direct, VIS certification.

  • VisaNet / BASE II / TC33
  • VTS Tokenization
  • Visa Secure ACS
  • Visa Direct

American Express

OptBlue, GNS processing, dispute handling, SafeKey ACS integration, full acquiring & issuing support.

  • OptBlue / GNS
  • Dispute Management
  • SafeKey ACS
  • Full A&I Support

You keep your direct scheme relationships. We power the processing.

Security & Compliance

Built for Compliance, Not Legacy

Every security standard is baked in from day one — not bolted on after.

PCI DSS Level 1

Highest tier certified security framework for cardholder data environments

PCI PIN Security

PIN transaction security standard compliance with HSM integration

PCI 3DS

3D Secure Core Security Standard — compliant ACS implementation

EMV Level 2

Certified contact and contactless EMV chip card kernel support

ISO 27001

Information security management system framework alignment

HSM Integration

Physical (Thales payShield, Utimaco) and cloud HSM support

TLS 1.3 End-to-End Encryption RBAC & MFA Secure SDLC Active-Active HA Key Management
Architecture & Deployment

Enterprise Architecture. Your Way.

API-first microservices built to scale from launch to millions of daily transactions.

Architecture Highlights

  • Microservices Architecture

    Independent services scale horizontally — no monolith bottlenecks

  • Active-Active Redundancy

    Multi-site active-active design — 99.99% uptime target achieved

  • API-First (RESTful / OpenAPI 3.0)

    Full API surface, webhooks, sandbox, OpenAPI specs provided

  • Multi-Region & Multi-Currency

    One platform for any market; Mastercard, Visa, Amex in any currency

Deployment Options

Cloud SaaS

8–12 Weeks

Fully managed, auto-scaling cloud infrastructure. Fastest path to production.

On-Premise

12–18 Weeks

Full data sovereignty and infrastructure control. Your data centre, your rules.

Hybrid

10–16 Weeks

Split workloads between cloud and on-premise to match your architecture.

Private Cloud

Flexible

Dedicated cloud environment — the control of on-premise with cloud economics.

Why AcquinTech

The Differentiators That Matter

Eight reasons institutions choose AcquinTech over incumbent processors.

Weeks Not Months

8–12 week SaaS deployment vs. traditional 18+ month implementations. You go live faster.

No Switch Operator

Direct issuing and acquiring — no intermediary lock-in. Your transactions, your economics.

You Keep Your Scheme Relationships

BIN sponsorship, scheme contracts, and commercial terms stay with you — always.

Enterprise Power. Fintech Agility.

5,000+ TPS, sub-200ms latency, 99.99% uptime — with the deployment speed of a startup.

Built for Compliance

PCI DSS Level 1, EMV Level 2, ISO 27001 — compliance-first architecture, not an afterthought.

API-First. Integration-Ready.

Full RESTful APIs, OpenAPI 3.0 specs, webhooks, sandbox environment, and white-label portals.

Multi-Scheme. Multi-Region. Multi-Currency.

One platform for any market with Mastercard, Visa, and American Express support globally.

Partnership, Not Vendor Lock

Hands-on support from design through scheme certification, go-live, and long-term operations.

Engagement Model

From Discovery to Go-Live

A structured, six-step journey from first conversation to live production.

Discovery

Understand your requirements, market, and existing infrastructure to define the right solution.

Design & Proposal

Solution architecture, integration design, implementation plan, and commercial proposal.

Contract & Onboarding

Legal documentation, compliance setup, environment provisioning, and team onboarding.

Integration & Dev

API integration, sandbox testing, development support, and system acceptance testing.

Scheme Certification

Guided testing and certification with Mastercard, Visa, and American Express simulators.

Go-Live & Operations

Production launch, 24/7 monitoring, incident response, and ongoing operational support.

Get in Touch

Ready to Own Your Card Processing Future?

In 20 minutes, we'll map out how AcquinTech fits your timeline, your tech stack, and your growth plans. No contracts, no setup fees — just a conversation.

PCI DSS L1 EMV L2 ISO 27001 3D Secure

No contracts, no setup fees. We'll respond within one business day.