SolutionsPayments Modernization

Re-engineering payments for speed, compliance, and scale

Next-generation payment platforms covering orchestration, settlement, reconciliation, and multi-rail processing — designed for real-time and regulatory compliance.

15KTPS processed
<200msP99 latency
99.99%Platform availability
80%Fewer operational incidents
// OUR APPROACH

Payments built for the real-time era.

solution.approach
Event-streaming payment core
Sub-100ms fraud scoring
ISO 20022 message orchestration
Real-time settlement finality

Real-time from the ground up

Legacy batch-based payment systems can't support PIX, instant loans, or real-time fraud scoring. We redesign payment architectures around event streaming and sub-second processing from the start.

0KTransactions per second on platforms we've built
solution.approach
PIX & TED processing
Boleto & card schemes
Open Finance initiation
Cross-border routing

Multi-rail without the complexity

PIX, TED, boleto, cards, Open Finance — each payment rail has its own compliance model, message format, and failure mode. We build unified orchestration layers that abstract this complexity.

0+Payment rails integrated in a single platform
solution.approach
BACEN automated reporting
AML transaction monitoring
PCI-DSS Level 1 architecture
Audit trail immutability

Compliance is the product

BACEN reporting, AML monitoring, PCI-DSS, and LGPD aren't features — they're the reason regulators let you operate. We embed compliance controls directly into the transaction flow, not as an add-on.

0%Regulatory coverage across all payment flows
// BUILDING BLOCKS

What we deliver

A complete payments modernization stack, from orchestration to compliance.

Payment Orchestration

Multi-rail payment routing across PIX, TED, boleto, and card schemes — with intelligent fallback, retry logic, and real-time fraud scoring.

Multi-railPIX & TEDFraud Scoring

Real-time Settlement

Sub-second settlement engines, intraday liquidity management, and DVP mechanisms for financial market participants.

SettlementLiquidityDVP

Multi-rail Processing

Unified abstraction layer across domestic and international payment networks — ISO 20022, SWIFT, and Open Finance.

ISO 20022SWIFTOpen Finance

Reconciliation Engines

Automated reconciliation, exception management, and dispute workflows for high-volume payment environments.

ReconciliationDisputesAudit Trail

Compliance & Reporting

BACEN regulatory reporting, AML transaction monitoring, and real-time compliance controls embedded in the payment flow.

BACENAMLCompliance

Ready to modernize your payments infrastructure?

Talk to our payments engineering team about your architecture and compliance challenges.