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Financial institutions

E-Money & Payment Institutions

Focus on your product, not on rebuilding payment core infrastructure.

E-money and payment institutions need accounts, wallets, cards, KYC and money transfer before they can offer a single customer feature. Building each piece in-house, then connecting to FAST, card schemes and reporting obligations, drains time and budget. Paynion provides a modular core and a ready integration layer so your team can focus on product and growth.

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Challenges we hear

01

Building the core from scratch

Ledger, wallets, card lifecycle and KYC each take dedicated teams before any customer sees a product.

02

Many rails, many integrations

FAST, card schemes, open banking and BKM services each bring their own technical and operational requirements.

03

Reporting and reconciliation load

Regulatory reports and daily reconciliation become manual work when data is spread across systems.

04

Fraud grows with volume

Instant transfers and open wallets attract fraud attempts that static rules struggle to catch.

How Paynion helps

Paynion CoreHub

Run e-money accounts, wallets, transfers, card issuing and KYC on a modular, regulation-oriented core with built-in reconciliation and reporting.

Paynion Gate

Reach FAST, open banking, BKM services and Visa Direct through one layer, with BIN sponsorship and representation support for card programmes.

AI-Powered Chatbot & Fraud Assistant

Score wallet and transfer activity with machine-learning anomaly detection, and give developers and customers 24/7 AI support.

Gold Wallet

In R&D: optional gold savings inside your wallet, held and transferred on a blockchain-based ledger.

Use cases

Launching a consumer wallet

A newly authorised institution launches a wallet with KYC onboarding, FAST top-ups and peer-to-peer transfers on a ready core.

Adding a card programme

A payment institution issues prepaid cards linked to its wallets, using BIN sponsorship and managing the full card lifecycle from one place.

How it works

How an e-money institution goes live

  1. 1

    Pick your modules

    Choose accounts, wallets, transfers and cards based on your business model.

  2. 2

    Configure products and rules

    Define limits, fees, KYC levels and customer journeys on the core.

  3. 3

    Connect the rails

    FAST, card schemes and open banking are connected through the integration layer.

  4. 4

    Build your channels via API

    Your app and web channels use APIs for onboarding, payments and account views.

  5. 5

    Operate and report

    Reconciliation, reporting and fraud monitoring run daily from one place.

Financial institutions

See all industries

Banks

Keep SME customers, onboard merchants faster and connect every payment rail through one layer.

  • FinansZ
  • Paynion MerchantHub
  • Paynion Gate
  • Financing Infrastructure
  • AI-Powered Chatbot & Fraud Assistant

Participation Banks

Digital SME, payment and trade-finance infrastructure for participation banks, with gold innovation in R&D.

  • FinansZ
  • Financing Infrastructure
  • Paynion MerchantHub
  • Paynion Gate
  • Gold Wallet

Financing Companies

Take consumer finance, leasing and factoring to dealers and suppliers on ready digital infrastructure.

  • Financing Infrastructure
  • Paynion Gate
  • FinansZ

Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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