The payments-first product layer for financial institutions

Launch your payment and financing products without changing
your existing systems.

Run Paynion behind your bank's own channels, or reach customers directly through our merchant panel, dealer portal and SME app. Product rules and pricing are managed in Paynion — your existing systems stay as they are.

Built forbanks

Start a conversation See our products

Paynion

Channels
Your own channels or Paynion portals
Paynion product layer
Rules · Pricing · Application & approval · Monitoring
Payment rails
POS · Cards · FAST · Open banking

Your existing systems
Keep the record, unchanged

The problem

Every new product waits in the system-change queue

When a bank wants to launch a new POS, card or financing product, the work joins the queue of changes to its core banking systems.

Every product becomes a systems project

Even a campaign, a rate change or a new product type needs development in the main systems, so the product calendar is tied to the IT calendar.

Rules are buried in code

Pricing, limit and approval rules are embedded in systems, so the business opens a request and waits for every change.

Each payment rail is wired separately

POS, cards, FAST and open banking each need their own integration, and the maintenance load grows with every new product.

The Paynion layer

Your systems keep the record. The product lives in Paynion.

Paynion runs on top of your existing systems. A product's rules, pricing, application and approval flows and monitoring are managed in the layer — your existing systems only keep the record.

1
Design
Define the product type, its rules and channels on the layer.
2
Price
Manage commissions, rates and campaigns together with the product rules.
3
Apply & approve
Applications, KYC and approvals run digitally and follow your rules.
4
Transact & disburse
Money moves end to end over POS, cards, wallets and FAST.
5
Monitor
Transactions, reconciliation and risk in one place; only the record goes to your existing systems.

No system of your own yet? Start with CoreHub.For newly licensed payment and e-money institutions we provide the foundation itself: wallets, transfers, cards and KYC on one platform.Explore CoreHub

Our products

The products on the layer

Each product runs the rules, pricing and flows of a product family on top of your existing systems.

See all products

01 — Banks · Payment Infrastructure

Paynion Gate

The layer that defines and runs a bank's card and payment products without touching its existing systems — with a fast start through BIN sponsorship and representation.

02 — Banks · Virtual POS & Merchants

Paynion MerchantHub

The layer that runs application, terms, pricing and monitoring for merchant and virtual POS products on top of the bank's existing systems — backed by call-centre and WhatsApp operations support.

03 — Financing Institutions

Financing Infrastructure

Moves the limit, offer, approval and disbursement rules of dealer/sub-dealer, consumer-finance, DBS and digital financing products into a layer the business team can manage.

04 — SMEs & Banks

FinansZ

The layer that packages what a bank offers SMEs — open banking, collections, financing and POS — into a single channel; as a white-label bank product or directly to SMEs.

What sets us apart

A product layer that also moves the money

Connected to the payment rails

The layer doesn't stop at defining the product — it runs the transaction end to end over POS, cards, wallets and FAST.

Turkish regulation built in from day one

Local infrastructure such as BKM, FAST, open banking (HHS/YÖS) and DBS comes as part of the product, not as an afterthought.

Ready for participation finance

The product and process needs of participation banking are part of the design from the start.

Rules outside the code

Limits, pricing and approval rules are defined as rule sets on the layer instead of being hard-coded into systems.

How we start

One product first, then the whole family

01
PoC
We shape a product you choose on the layer with your own rules, so your business team can try it before go-live.
02
First product live
Your first product reaches customers without changing your existing systems.
03
New products on the same layer
The next POS, card or financing products launch on the same layer, over the same rail connections.

Industries