Payments
engineered
to think.
The intelligence layer behind global payments. Accept, route, and settle payments through infrastructure designed to optimize every transaction.
Payments that think ahead.
We built FINIQ for businesses where payment performance directly affects revenue. Every routing decision, every risk check, every settlement — handled with precision.
Intelligent routing
Every transaction is routed dynamically across acquiring partners. More approvals, less friction — automatically.
Risk & fraud protection
Fraud scoring, velocity checks, and chargeback tools that work before a problem becomes a pattern.
Global acquiring
Local BINs, geo-targeted checkouts, and regional acquiring partnerships across Tier 1, 2, and 3 markets.
Fast settlement, everywhere
T+1 payouts via Open Banking, card, and e-wallet — matched to geography and your business model.
One integration.
Every method.
Your players are everywhere. So are the payment methods they prefer. FINIQ gives you one API — and we handle the rest.
Card Acquiring
Visa and Mastercard with 3DS2, local BIN routing, and approval logic built for high-volume merchants.
Open Banking / A2A
Direct bank transfers. No card network fees, lower chargeback exposure, faster settlement.
Alternative Payment Methods
Skrill, Neteller, Rapid Transfer, iDebit, and 40+ e-wallets — all reconciled from one dashboard.
→ No separate contracts. No additional development cycles.
Your payment provider. End to end.
We manage acquiring, routing, risk, and settlement — so your team can focus on the product, not the infrastructure.
Card processing
Visa, MC, local BINs, 3DS2, high approval.
Smart cascading
Failover across acquiring partners.
Fraud & chargebacks
Real-time scoring and dispute tools.
Multi-currency
T+1 in 150+ currencies, full reconciliation.
Disbursements
OB, card, e-wallet — matched per market.
Dashboard
Full visibility. Dedicated account manager.
Active across Tier 1, 2, and 3 markets worldwide
Methods, acquiring partners, and settlement routes are selected per region — so performance doesn't drop when you expand.
From application to live in days.
We handle the complexity of onboarding. Most merchants go live within a week — and have a dedicated manager from day one.
Apply online
Basic business details. We respond within 24 hours.
Onboard
Guided KYB with your dedicated account manager.
Integrate
Single REST API. Plugins available. Sandbox included.
Go live
Intelligent routing active from your first transaction.
Built on a foundation of trust.
We operate in regulated industries. That means compliance isn't a checkbox for us — it's the starting point.
"FINIQ gave us the infrastructure stability and approval performance we had been looking for. Onboarding was straightforward, and the team understood our business from day one."
— Head of Payments, international merchant operator
Ready to upgrade your payment setup?
Tell us about your business. We'll put together the right setup — acquiring, methods, and markets — tailored to your operation.