A processing engine built for control, complexity and scale.
Your programme runs on infrastructure built and dedicated exclusively for it, performing consistently regardless of what is happening across the platform. The engine gives you control over authorisations, spend controls, and fees, all configurable in real time. Transactions flow consistently, edge cases are handled natively, and your team stays in control as the programme grows.
Processing that performs, whatever your programme demands.
Processing that holds under volume.
Cloud-native issuer processing handles volume spikes, market expansions and edge cases without missing a beat. Whatever happens, transactions process without delay and your programme keeps moving.
Complex programmes, processed without compromise.
Custom decisioning, complex programme structures and real-time transaction data. Whatever your programme demands, it’s all handled directly in the platform, so every edge case is resolved where it belongs.
Real-time configuration, no release cycles.
Spend controls and fee management are built directly into the processing layer, configurable in real time. Clearing file delivery is handled natively, with no separate integration required.
What’s built into the processing layer.
STIP and continuity mode.
When scheme or upstream systems go down, authorisation continues within scheme rules. Cardholders keep paying as if nothing happened.
Cloud-native infrastructure.
Built for scale from the start, with dedicated compute per programme and performance that stays predictable however fast you grow.
Real-time authorisation decisioning.
Real-time authorisation with risk-based exemption rules and 3DS authentication built directly into the processing layer. Every decision is fast, accurate and secure.
Configurable spend controls.
Spend controls configurable at programme, BIN, or card level. Adjust them in real time with no deployment and no waiting on a release cycle.
Issuer processing, unpacked.
Marina Segalla,
Director, Product Marketing.
What actually happens when a card gets issued and processed? From choosing your card scheme to approving every transaction correctly, here's how issuer processing really works.
125,000 cardholders. One migration. Zero disruption.
This is what processing that holds under pressure looks like in practice. Read how Payac transformed Irish credit union payments without missing a beat.
Put us to the test.
Send us your volume forecast, your edge cases, or your integration constraint. We’ll show you how the processor handles it, and where the actual limits are.
