Platform - FintechLab

The Core IT Platform for Banks and Fintech

Cutting-edge platform chosen by dozens of FinTechs in Europe and Asia
Connectivity with SEPA CentroLINK, SWIFT, Target2 and Faster Payments
300+ established APIs
Safe and efficient on-boarding procedure using 3rd party KYC/AML providers, as well as biometrics
Gateway for Visa, MasterCard and UnionPay, as well for 100+ Alternative Payment Methods
Advanced compliance features
Marketplace with a variety of services
Service Level Agreement with 99.99% operability
PSD2 compliant

Functionality Highlight

Payment:

Full set of payments operations:
- P2P money transfers
- Top-up & Withdrawal
- Payment acceptance includes Recurring payment & Subscription, Invoicing
- Dispute Resolution Services: Refund, Chargeback, Partial refund & chargeback
- Mass Payment
Loyalty: Cashback, Bonuses, Points & Discounts
Money exchange
Issuing & redeem of Prepaid cards & Gift cards
Multi-currency accounts for Clients

General:

The concept of actors includes:
- Primary actors: an individual, a merchant & mass-pay
- Services actors: CFO, Compliance, Anti-fraud, Cashier, Accountant, Exchange, Customer Support
Fees & Limits for all types of operations
Powerful reporting
Aggregation type of payment gateway
Multilingual system

Integration layer

A Single Gateway to the Payment Universe

It’s tuned for all main payment methods, available as an off-the-shelf solution.

We constantly add new tools to make your FinTech unreachable for competitors.

Mobile Apps

A FinTech product is like an iceberg. Only 30% of a product is a front-end and 70% is a back-end and infrastructure.

The back-end is the invisible part, but the most crucial one that deals with functionality, security and scalability. Unlike front-end, that should be unique, back-end could be unified for thousands of products. That’s the key point why we’ve invented a unified back-end that covers all you need in a transaction-related business. You may design a mobile application that you need and simply consume API that enables your users to work with it.

Core banking: JAVA

Front-end: AngularJS

JasperReports — for secure and efficient reporting to accountants, auditors, banks, PSPs, Bank of Lithuania FCA, CySec, MAS and other financial regulators