momentPay builds the processing core that banks, processors, PSPs and fintechs run their card businesses on — merchant acquiring, card issuing, and the real-time switch that connects both to the networks.
From the billing counter to the general ledger — capture, switching, issuing, acquiring, risk and reconciliation are built as one system, so you deploy the parts you need without carrying the operational weight of the parts you do not.
A card issuing and payment account platform covering the full cardholder lifecycle — credit, debit, prepaid, corporate, fleet and digital wallet, all on one card entity.
A standardised acquiring platform that takes a new payment business from merchant onboarding to settlement, with pre-built modules and network integrations.
The multi-protocol switch underneath both platforms: ISO 8583 card traffic and UPI/QR digital payments processed side by side as native workloads.
The fraud and risk decisioning engine. Rules, machine learning and sanctions screening combine into one approve, review or decline decision in under 10 milliseconds.
Embedded collection that plugs into the billing software a business already runs, and routes every bill through card, UPI, QR or link.
Four-way matching across billing, transaction, provider and bank data, with the result written back into your accounting system.
Every card transaction has an acquirer standing behind the merchant and an issuer standing behind the cardholder. Conventional estates run those as separate platforms with separate integrations. momentPay runs them as mirror roles on one protocol engine.
ISO 8583 card processing and UPI/QR digital payments run as first-class workloads on one platform, not as a bolt-on module bridged to a second system.
Built on Elixir and the OTP runtime. Each connection and transaction runs as an isolated, supervised process, so a single failure is contained and recovered automatically.
A transaction is written to durable storage before it is dispatched. A timeout is treated differently from a decline, and triggers an automatic reversal rather than an assumption.
PIN blocks and cryptographic keys are handled through a hardware security module, never held in application memory in the clear.
A network's connection details, routing rules and message format are data rather than code. Extending coverage never touches another network's path.
Additional nodes join the cluster and load-balance automatically, so growth in transaction volume is an infrastructure change rather than an architectural one.
Each network is reached through whichever interface the relationship requires — a direct ISO 8583 connection over TCP, or a direct-to-scheme REST API secured with mutual TLS. Both run through the same protocol engine.
| Network | Card present | Card not present |
|---|---|---|
| Visa | Live | Live |
| Mastercard | Live | In certification |
| American Express | Live | Planned |
| JCB | Live | Planned |
| Discover | Live | Planned |
| RuPay | Live | Planned |
| UPI (NPCI) | Live | Live |
Status reflects online authorization coverage. Every network added follows the same pattern: a routing rule plus a message translator.
Stand behind the cards you issue, or launch acquiring, without replacing core systems.
Read moreOnboard new banks and merchants faster on one standardised, certified platform.
Read moreLaunch card and account products without deep upfront payments investment.
Read moreModernise or replace a legacy switching estate with a staged, reversible migration.
Read moreMigration runs in parallel with your existing platform before any production traffic moves, with instant rollback available at every stage.
System analysis and architecture planning.
~1 weekDeployed alongside the existing system.
~2 weeksTransaction validation and performance testing.
~2 weeksProgressive traffic shift under continuous monitoring.
2–4 weeksComplete migration and legacy decommissioning.
~1 weekBring your transaction profile, the networks you need, and your preferred deployment model. We will scope a proof of concept and walk through pricing for your deployment size.
