Marketplace
Pay out sellers without becoming a bank
Funds flow through you, but holding them puts you in money transmission scope.
acquiringbanking
Sub-merchant acceptance with FBO-held funds and scheduled payouts.
For platforms, marketplaces and lenders
Custom fintech, built around how your money moves.
We design and launch payment products for companies that have outgrown off-the-shelf. Taking money in, holding it and paying it out — assembled for your business, not a template.
What we build with
Pay-ins, holding money and payouts, combined for your use case.
Pay-ins
Accept cards, bank transfers and wallets from your customers.
Checkout for a marketplace
Embedded payments in your software
Recurring billing and subscriptions
Holding money
Keep funds in accounts built for your flows, with a ledger you can trust.
Seller and customer balances
Business accounts for your users
Escrow and scheduled release
Payouts
Move money out by bank transfer, instant payment or card.
Same-day payouts to sellers or drivers
Spend cards with controls
Credit lines drawn on a card
Cases we assemble
The case decides the stack.
Vertical SaaS
Turn payments into a product line
Your customers already take cards. Someone else keeps the margin.
acquiringbankingissuing
Embedded acceptance, a business account and a spend card on one ledger.
Lender
Put the credit line on a card
Draws by ACH are slow, and your borrowers want to spend where they are.
bankingissuing
A sponsored card program drawn directly against the facility.
How we work
From idea to live product.
We don't resell a platform. We work for you, with whichever partners fit.
- 01
Case
We start with what the business needs to do, not with a vendor list.
- 02
Stack
We pick modules from each rail that fit the case, and leave out the ones that don't.
- 03
Partners
We run selection and negotiation with processors, sponsor banks and BIN sponsors.
- 04
Launch
We stay through certification, go-live and the first operating cycle.
Start with the case