Solutions built around how you already operate
The same platform serves an institution standing up its first acquiring business and one replacing a legacy issuer host. What changes is which components you deploy, and in what order.
Run both sides without replacing core systems
Stand behind the cards you have issued and answer authorization requests in real time, or launch a merchant acquiring business, on infrastructure that integrates with the core banking and general ledger systems you already run.
- Issuer host answering inbound authorization from every connected scheme
- Pluggable decisioning — momentPay Shield or your existing authorization host
- Core banking, GL, card personalization and HSM integrations out of the box
- Wage protection, corporate and fleet programs on the same account master
Six card products
Credit, debit, prepaid, corporate, fleet and digital wallet on one pipeline.
Regulatory reporting
WPS filing, audit trails and configurable data residency controls.
No forced migration
Run in parallel with the existing estate, with rollback available at every stage.
On-premise capable
Full deployment inside your own data centre where regulation requires it.
One operational view
Switching, reconciliation and reporting in a single admin console.
Faster onboarding
A standardised platform means a new bank or merchant is configuration, not a project.
Certification support
Network certifications coordinated alongside your acquiring or issuing relationships.
Independent scaling
Add capacity exactly where volume grows, per component.
Onboard banks and merchants faster
Replace a patchwork of standalone reporting and reconciliation tools with one processing core, and give operations teams a single live view across every connected network.
- Multi-tenant merchant and bank configuration on shared infrastructure
- Live dashboards for authorization traffic and connection health
- Reconciliation exports grouped by network, merchant and settlement cycle
- Alerting with enough context to start triage immediately
Launch card and account products without the infrastructure bill
Expand into acquiring or issuing with a ready-to-deploy platform, a commercial model aligned to usage rather than a fixed licence tier, and a phased rollout designed to reach production in weeks.
- Start with core acceptance, add channels and value-added services as you grow
- Open APIs, webhooks, SDKs and a sandbox for pre-certification testing
- Digital wallet, QR pay and receive, and network tokenization
- BIN sponsorship and program manager structures supported
Weeks, not quarters
Greenfield deployments typically reach go-live in three to four weeks.
Pay for value
Costs scale with transaction volume rather than fixed capacity tiers.
No vendor lock-in
Published protocols and a defined decisioning contract keep your options open.
Cloud-native
Containerised services on standard cloud infrastructure.
Parallel running
Both systems run simultaneously through migration, with instant rollback.
Gradual traffic shift
Traffic moves progressively, starting with a small percentage of volume.
Protocol adapters
A data bridge lets muNSwitch sit alongside a legacy platform from day one.
Dedicated team
A migration team stays with you throughout the process.
Modernise a legacy estate without a big-bang cutover
Replace an ageing switch, or extend it. Keep the existing platform for what it already does well and add muNSwitch specifically to bring UPI, QR and other digital protocols under one management dashboard.
- Assessment, parallel setup, testing, gradual migration and cutover in defined phases
- Continuous real-time monitoring validates processing throughout
- Terminal management, merchant portals and settlement on one platform
- Reach long-tail merchants through momentPay Collect, and reconcile every rail with momentPay Reconcile
- Expand into issuing later on the same core
Configurations that match your volume
New & regional
A small footprint suited to new merchants, regional processors or early-stage rollouts, sized to everyday volumes with room to grow.
Growing institutions
A mid-size configuration for growing banks and payment aggregators handling higher, steadier transaction volumes.
High sustained volume
A larger, multi-node configuration for major banks and large processors running at sustained high volume.
Find the shortest path from where you are
Whether that is a greenfield build, a legacy replacement or adding digital protocols to what you already run, the first conversation is the same.