Payments

Get instant processing with scalable digital payment solutions

Payment software development services for any business

New cards and payments solutions make it easier than ever to send money, while advances in technology have significantly reduced processing times. These innovations, including the introduction of AI, also add new layers of complexity for payments providers and increase the demand for digital payment services.

At Intellias, our payments transformation experts help you stay ahead of that curve. From the moment you engage our payment services, we analyze your existing technologies, create a clear digital payment transformation strategy, upgrade legacy systems with modern software, and future-proof your business for growth.

Challenges we solve 

Payments modernization

Aging systems slow down your innovation and increase maintenance costs. We help modernize legacy digital payment platforms, ensuring your infrastructure is fast, reliable, and ready for real-time transactions.

Poor data governance

Disconnected systems and siloed information flows may result in missed insights. We unify data streams and implement robust governance frameworks so you can make informed decisions based on accurate data.

Regulatory overheads

We embed compliance-as-code and automation tools that help you keep up with evolving financial regulations. Streamline certifications, audits, and reporting with minimum manual effort and risk.

Lack of interoperability

Fragmented systems and poor interoperability affect your organization’s efficiency. We integrate disparate platforms and APIs to build seamless payments ecosystems that scale as you grow.

Cloud migration

Moving to cloud-native architectures is a critical step for financial institutions aiming to enhance scalability and reduce costs. We design secure migration strategies and optimize your cloud architecture for peak performance and cost efficiency.

Our key offerings for the payments industry

Real-time 24/7 payments engine

Keep your payments always-on. Innovate how you transact, providing anytime funds availability, enhanced messaging, and improved end user digital experience. We help you ensure instant and uninterrupted money movement across borders or platforms.

Payment rails integration

Connect seamlessly to leading payment networks like Fiserv, Galileo, Plaid, and Modern Treasury. Our payments experts help you expand your ecosystem, accelerate transaction speed, and future-proof your payment infrastructure.

Rules engine integration

Stay compliant without slowing down. Our compliance-as-code approach and rules engine integrations will help you automate rule checks, reduce human error, and ensure your processes stay aligned with constantly evolving regulations in the payments market.

Digital onboarding & KYC flows

Make the first impression count. We build intuitive onboarding and KYC flows that reduce friction and improve user experience, while maintaining compliance. Verify users quickly and securely, improving conversion rates and preventing fraud at the same time.

Cloud infrastructure cost optimization & DevOps services

Optimize, automate, and scale. From cloud cost audits to DevOps automation, we help you run your payment infrastructure efficiently. Our experts cloud and DevOps services focus on reducing costs without compromising reliability or performance.

Unified front-end for in-app payments

Deliver consistent, intuitive digital experiences with a single front-end for all payment channels. We design mobile and web interfaces, including self-service portals, to help your users manage payments effortlessly.

Get more value from digital payment processing by combining expert advice with development of payment technology solutions. 

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Why you can trust us

Our experience developing payment technology solutions across many industries has consistently yielded promising results for payments companies.

3k+

tech experts worldwide

25%

reduced processing fees

100%

pass rate of PCI-DSS & SOC2 audits

<100ms

transaction time for instant payments

24/7

real-time reconciliation
and round-the-clock balances

Get secure, lightning-fast payments from a modern system that won’t break the bank

Trusted by leading companies worldwide

Logo=Relayr logoresolute asset managementSwissquote logoLogo=REV logoFinCompare logoLogo=Hypothekarbank Lenzburg logosmava_logoIO logoLogo=360T logoLogo=Zolva logoCRX markets logo 1Logo=Bizi logo

Clients appreciate us

Dirk Van Derstappen
IT Project Manager at Bluecode
Ivan Makarenko
CEO, Ukrcard
Christoph Strasen
CTO, FinCompare
Simon Bateman
CTO, Nomo Fintech
Engineering Manager, Swissquote Bank
Amir Sturm
CTO, Bizi
Client stories

Secure real-time system for payment processing

EveryMatrix partnered with Intellias to develop MoneyMatrix, a secure omnichannel payment gateway with a real-time back office and advanced risk tools. The platform unifies data about customers, risks, and transactions in a single, customizable console.

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Client stories

Resilient, highly available payment architecture

A leading European bank needed Intellias to replace their legacy platform with a modern, microservices-based payment system. Features of the new system include 24/7 availability and 99.741% failure resistance, high throughput, a unified API for all business-oriented services, and a unified, well-defined interface for isolating legacy systems.

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Client stories

Cloud migration for payments systems

Intellias migrated a global payment processor’s entire data center to AWS to address many limitations in the legacy system, including security risks. Participation in the AWS Migration Acceleration Program cut costs by 50% and included rapid deployment. The result is a resilient, cloud-native environment that supports growth, innovation, and uninterrupted service for financial clients worldwide.

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Client stories

Promoting wellness with a turnkey health payments system

In just eight months, Intellias developed an MVP healthcare payments platform for TempoPay that enables employees to access healthcare without creating a financial burden. Using a buy now, pay later (BNPL) model, the solution also controls costs for the employer. It includes a mobile app, virtual and physical payment cards, payroll integration with repayment plans, and zero-commission financing.

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Client stories

License plate scanning provides zero-click payments

As an R&D initiative, Intellias created an AI-powered payment solution using Automatic Number Plate Recognition (ANPR) for zero-click transactions. When a driver pulls up to a gas pump, car wash, or drive-thru restaurant, an AI system uses trajectory tracking and scans the car’s license plate to make a payment automatically.

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FAQs

We help payments firms build and manage modern payment systems by integrating payment rails, sponsor banks, and card-issuing infrastructure. Our services cover everything from handling interchange fees and compliance to optimizing performance across payment gateways. We also support high-load transaction processing and use AI/ML to improve payment efficiency and expense tracking. Our payment software development team checks how your transactions are routed, learns where interchange fees are most expensive, and decides how to proceed. We also review fraud and chargeback handling to stop revenue leaks before they become a problem.

Yes, with our payments expertise, we build systems that are secure by design. For fraud detection, we deploy machine learning techniques that score transactions instantly and block threats while letting legitimate payments through. To stay compliant with global AML rules, we connect you to real-time watchlists and keep your transaction monitoring sharp as rules change. We also make onboarding smooth with secure eKYC flows that check IDs and confirm each user’s identity.

Integration is a big part of what we do within the cards and payments sector. We build API connections that link your current bank platforms with modern networks like SEPA, SWIFT, and instant payment rails such as FedNow. If you accept Visa, Mastercard, UnionPay, or Amex, we design connections to ensure data stays secure in transit and at rest. We also test every connection.

Our capabilities and vast expertise in building high-load payment processing systems for some of the largest banks and other FinTech businesses is what sets us apart. Our business model puts our clients’ needs first as the core of our services. We work alongside you as partners to design, build, and scale digital payments solutions. Our engineers map out the payment technology architecture that best fits your business and choose the tech stack that works in your environment. We follow the Payment Card Industry Data Security Standard (PCI DSS), so your data is not only secure but compliant. Because we practice CI/CD methods, we continue to improve your system even after it goes live.

AI can find patterns in existing data that give you an idea of how well your payment processing services are performing. You can see areas where everything is running smoothly and trouble spots. AI even lets you detect fraud before it happens. Therefore, we create dashboards that help you understand the data. This information then becomes part of your strategy. You can use this information to make a variety of business decisions, including improving pricing, adjusting operations to suit customer needs, or even launching new payment services. Furthermore, using AI results in smoother handling of edge payment cases, like better refund strategies.

We do. Our payments system transformation consultants will help you set up BNPL services that fit your business needs. We can use a trusted BNPL provider or build a custom BNPL system under your brand. Furthermore, we handle credit checks, repayment flows, and other methods to help your customers split payments. Our team also integrates BNPL data with the rest of the payment processing technology to unify data and ensure clear reporting.

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