For fintechs, EMIs and neobanks

For fintechs, EMIs and neobanks: pay-ins and payouts in dozens of countries through one API

Tranzify for fintech companies: one API and one checkout for cards, local methods, Open Banking and crypto in every region, payouts on the same contract, a merchant cabinet out of the box, and a ledger with balances, fees and reserves — on top of your licence.

The problem

A fintech with a licence and a market faces a year of building before the first merchant pays: a gateway, a checkout, a vault, provider integrations, a cabinet, reports. The market does not wait, the investors count months, and the first version built in a hurry is the one the company will maintain for years. The alternative, buying a payment service from a PSP, gives up the margin and the control the licence was obtained for.

What Tranzify gives a fintech

The whole payment stack, white-labelled, in weeks: gateway API, hosted checkout, vault and tokens, routing and cascading, payouts, webhooks, cabinets, finance.
Local methods and Open Banking per region through the catalogue, so a new country is rules and accounts, not code.
A ledger with balances, fees and reserves that your finance team settles against, with reports in XLSX and CSV.
Payouts on the same contract: cards, instant bank rails, wallets, PIX keys, single or from a file, with limits.
Deployment in your own cloud account when your regulator or policy requires it.
Journals for five years and a trace per payment for your compliance and your support.

From licence to first payment

A network under your domain: brand, checkout, cabinets, mail, languages.
Your provider accounts in the terminals: the acquirer, the local methods of your first markets, the Open Banking provider.
Routing rules in the builder: by country, amount, BIN and method, with cascades.
Your first merchants on the hosted checkout or through the API in the sandbox.
Fees, reserves and settlement rules in the ledger; your finance team approves the first settlement.

Each step is configuration in the back office; the integrations marked available in the catalogue need no development, and the on-request ones are built as adapters before the launch.

What stays yours

The licence, onboarding and KYC, merchant contracts, settlement and compliance, the contracts with providers. Tranzify runs the software; you run the business. The platform accepts, holds and transfers nothing, and the agreement and the data processing agreement document who does what.

What a fintech saves

The first version of a payment stack costs a team a year, and the second year costs the same team again: provider APIs change, a scheme adds a rule, an acquirer deprecates an endpoint, a regulator asks for a report the first version cannot produce. Licensing moves that work to a platform whose only job it is, and leaves the fintech’s engineers with the product the licence was obtained for: the app, the onboarding, the pricing, the markets. The build-or-buy page goes through the scope item by item.

For neobanks and EMIs with their own apps

The API serves your own product the way it serves your merchants: a wallet top-up through local methods, a card payment with a token, a payout to a user’s bank account, all with the same statuses and webhooks, and the ledger keeps the balances your app shows. The hosted checkout and the cabinets are there when you need them and optional when your app is the interface.

Frequently asked questions

We have a licence but no payment stack — is that the case?+

Exactly. You hold the licence, contract with merchants and settle; Tranzify is the stack: gateway, checkout, vault, routing, payouts, cabinets, reports.

How fast can we open a new country?+

Enable the local providers from the catalogue with your accounts and write the routing rules; the methods appear on the checkout the same day for integrations marked available; on-request ones are built first.

Do we get a ledger?+

Balances per merchant and currency, fees, rolling reserve, settlement requests and reports — the ledger is part of the platform; the money moves through your accounts.

Can we build our own product on top?+

Yes. The API serves your own apps and your merchants alike; the hosted checkout, the cabinets and the webhooks are there when you want them and optional when you have your own.

What about data residency?+

The platform runs in our cloud in the European Union or in your own cloud account in the region your regulator asks for, with the same images and release process.

How do payouts work for a fintech?+

Through the same API and routing as pay-ins: cards, instant bank rails, wallets and PIX keys, single or from a file, with limits and the ledger; the funds move through your accounts at the providers.