Fintech and payment solutions for
banks, lenders, marketplaces, and SaaS

We build secure fintech and payment products that ship faster, stay compliant, and protect every transaction.

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Fintech payment solutions mobile apps
4.8
PCI DSS
SOC 2
ISO 27001
99.9%
Uptime Guaranteed
$10B+
Payments Processed
50ms
Avg Response Time
0.02%
Fraud Rate

Who We Help and What We Solve

Fintech payment solutions mobile apps

Banks and Credit Unions

  • Launch instant payments and modern web/mobile apps
  • Reduce fraud with real-time risk controls
  • Migrate legacy systems without breaking operations

Banks and Credit Unions

  • Launch instant payments and modern web/mobile apps
  • Reduce fraud with real-time risk controls
  • Migrate legacy systems without breaking operations

Merchants & SaaS Companies

  • Launch instant payments and modern web/mobile apps
  • Reduce fraud with real-time risk controls
  • Migrate legacy systems without breaking operations
Fintech payment solutions mobile apps

Fintech Startups & Scaleups

  • Go from MVP to compliant production
  • Pass security reviews and win enterprise deals
  • Cut cloud bills and speed up releases
Fintech payment solutions mobile apps
Fintech payment solutions mobile apps

Marketplaces & Platforms

AI Solutions for Fintech & Payments

Our AI speeds decisions, reduces manual work, and adds guardrails so humans stay in control. Choose from ready-to-use modules, individually or as a package.

AI Fraud Guard - Robotic hand with digital shield

AI Fraud Guard

Real time protection

  • Real-time scoring before authorization.
  • Device, IP, and behavior features enriched with merchant context.
  • Explainable decisions with scorecards and reason codes.
  • Human-in-the-loop review for edge cases.

AI KYC/KYB Assistant

Real time protection

  • Real-time scoring before authorization.
  • Device, IP, and behavior features enriched with merchant context.
  • Explainable decisions with scorecards and reason codes.
  • Human-in-the-loop review for edge cases.
AI KYC/KYB Assistant - Woman with facial recognition overlay
AI Chargeback and Dispute Helper - Woman with headset and wireframe face overlay

AI Chargeback and Dispute Helper

Real time protection

  • Real-time scoring before authorization.
  • Device, IP, and behavior features enriched with merchant context.
  • Explainable decisions with scorecards and reason codes.
  • Human-in-the-loop review for edge cases.

AI Collections Coach

Real time protection

  • Real-time scoring before authorization.
  • Device, IP, and behavior features enriched with merchant context.
  • Explainable decisions with scorecards and reason codes.
  • Human-in-the-loop review for edge cases.
AI Collections Coach - Three people collaborating around computer monitor
AI Underwriting Signals - Data visualization with binary code

AI Underwriting Signals

Real time protection

  • Real-time scoring before authorization.
  • Device, IP, and behavior features enriched with merchant context.
  • Explainable decisions with scorecards and reason codes.
  • Human-in-the-loop review for edge cases.

AI Finance Copilot

Real time protection

  • Real-time scoring before authorization.
  • Device, IP, and behavior features enriched with merchant context.
  • Explainable decisions with scorecards and reason codes.
  • Human-in-the-loop review for edge cases.
AI Finance Copilot - Laptop displaying code with light trails

Compliance, Security, and Audit Readiness

We integrate security into the product. Every environment includes secrets management, least-privilege access, encryption, and attack surface reviews.

Integrations We Support

Connect with your existing stack or let us recommend the best tools for your use case.

Rails & Networks

  • Instant payment rails
  • ACH/SEPA
  • Card schemes

Fraud Detection

  • Sift, Ravelin
  • In-house models
  • Custom ML engines

DevOps & Cloud

  • AWS/Azure/GCP
  • Terraform
  • GitHub Actions

Data & Observability

  • Kafka, Snowflake
  • BigQuery, Grafana
  • Datadog

Accounting & ERP

  • QuickBooks, Xero
  • NetSuite, SAP
  • Custom integrations

Bank Data

  • Account aggregators
  • Direct bank APIs
  • Open banking

KYC/KYB

  • Persona, Onfido
  • Trulico, Alloy
  • Custom solutions

Gateways & PSPs

  • Stripe, Adyen
  • Checkout.com
  • Braintree & others

What You Can Build With Us

Comprehensive use-case library covering every aspect of modern fintech and payments.

Payments and Money Movement
  • Instant payments with real-time rails and fraud limits

  • ACH and bank transfers with returns handling

  • Card processing with tokenization and 3-D Secure

  • Cross-border flows with compliance checks

Banking-as-a-Service & Open Banking
  • Instant payments with real-time rails and fraud limits

  • ACH and bank transfers with returns handling

  • Card processing with tokenization and 3-D Secure

  • Cross-border flows with compliance checks

Risk, Fraud & Compliance Automation
  • Instant payments with real-time rails and fraud limits

  • ACH and bank transfers with returns handling

  • Card processing with tokenization and 3-D Secure

  • Cross-border flows with compliance checks

Lending, Wealth & Treasury
  • Instant payments with real-time rails and fraud limits

  • ACH and bank transfers with returns handling

  • Card processing with tokenization and 3-D Secure

  • Cross-border flows with compliance checks

Payments and Money Movement

How We Deliver (Low-Risk, High-Velocity)

Our proven methodology ensures rapid delivery without compromising on security or compliance.

0-2 Weeks: Discover and De-Risk

  • Map money and data flows, liabilities, and compliance scope.
  • Define "go-live" acceptance criteria and measurable outcomes.
  • Threat model and non-functional requirements (latency, limits, SLAs).

2-6 Weeks: Prototype With Real Systems

  • Connect to sandboxes for rails, KYC, fraud, and gateway.
  • Ship a working path for one core flow (e.g., card pay + payout).
  • Define metrics: auth rate, fraud rate, time-to-money, and support tickets.

6-12 Weeks: MVP to Production

  • Production hardening: observability, alerts, rate limits, retries, idempotency.
  • PCI scope reduction and security controls.
  • Data models for ledgers, reconciliation, and reporting.

After Go-Live: SRE and Compliance Ops

  • 24x7 monitoring, on-call runbooks, and monthly chaos tests.
  • Evidence capture for audits and customer security review.
  • Quarterly improvements based on real metrics.

Architecture Patterns We Use

Battle-tested architectural approaches that ensure scalability, security, and maintainability.

Event-Driven Payments

Event-Driven Payments

PCI-Light Edge

PCI-Light Edge

Risk at the Edge

Risk at the Edge

Canonical Financial Ledger

Canonical Financial Ledger

Config Over Code

Config Over Code

Outcomes You Can Expect

Measurable improvements that drive real business value from day one.

Higher Authorization Rate

Higher Authorization Rate

Using 3-D Secure 2.x, smart retries, and network tokens

Lower Fraud & Chargebacks

Lower Fraud & Chargebacks

With real-time scoring and strong authentication

Faster Time-to-Money

Faster Time-to-Money

With instant rails and fewer reconciliation breaks

Smoother Audits

Smoother Audits

Thanks to scoped PCI, clean logs, and evidence automation

Lower Cloud Costs

Lower Cloud Costs

Via right-sizing, caching, and efficient data paths

Happier Customers

Happier Customers

Because support gets instant answers with AI Copilot

Featured Solution Packs

Fixed-scope accelerators that get you to market faster with predictable timelines and costs.

Solution Pack
Instant Payouts and Split Settlements

Instant Payouts and Split Settlements

Open Banking Starter

Open Banking Starter

Instant Payouts and Split Settlements

Instant Payouts and Split Settlements

Instant Payouts and Split Settlements

Instant Payouts and Split Settlements

Tooling and Tech Stack

Enterprise-grade technologies and methodologies that ensure reliability and scalability

01
Cloud and DevOps
02
Data & Analytics
03
Application Development

Case Study Snapshots

Real results from real clients across different fintech verticals.

Marketplace With Split Payouts

Marketplace With Split Payouts

A large services marketplace needed to pay thousands of sellers daily. We added KYC tiers, reserve rules, and automated statements.

Card Auth Rate Lift for a SaaS Platform

Card Auth Rate Lift for a SaaS Platform

We enabled 3-D Secure 2x with exemptions, network tokens, and smart retries.

Digital Lender With Explainable AI

Digital Lender With Explainable AI

We created cash-flow features from bank feeds. The underwriting engine controlled while AI suggested decisions.

Dedicated Senior Team / Staff Augmentation

A small, senior team acts as your in-house squad. Flexible scope, transparent monthly rates, and easy scaling.

Flexible scope Transparent pricing Easy scaling

Fixed-Scope Packs

Pre-defined project packages with clear deliverables, timelines, and pricing. Perfect for specific feature builds or integrations.

Clear deliverables Fixed pricing Timeline guarantee

Project-Based Engagement

Custom projects tailored to your specific needs. From MVP development to full-scale platform builds.

Custom solutions MVP to production End-to-end delivery

Engagement Models and Pricing Examples

Flexible engagement models designed to fit your budget and timeline.

Real-Time Analytics & Monitoring

Get complete visibility into your payment flows, fraud patterns, and system performance with our comprehensive dashboard and alerting system.

Payment Success Tracking

Monitor payment success rates in real-time, track transaction flows, and identify bottlenecks in your payment processing pipeline.

Fraud Detection Metrics

Track fraud patterns, monitor detection rates, and analyze suspicious activities with comprehensive fraud analytics and reporting.

Performance Monitoring

Monitor system performance, track response times, and ensure optimal uptime with real-time performance metrics and alerts.

Frequently Asked Questions

Common questions about our fintech and payments solutions, answered by our experts.

What is the fastest way to add instant payments?

Our platform provides pre-built integrations with major payment rails and instant payment networks. You can typically go live with instant payments in 2-6 weeks using our Payments Modernization Kit, which includes ready-to-use components for real-time payment processing, settlement, and reconciliation.

How do you keep PCI scope small?

We use a PCI-light edge architecture that ensures sensitive card data never touches your servers. All payment data is tokenized at the edge, and we leverage network tokens and 3-D Secure to minimize your PCI compliance scope while maintaining security and conversion rates.

Will AI decisions be explainable for audits?

Yes, all AI-powered decisions include detailed audit trails and explanations. Our AI systems provide transparent reasoning for fraud detection, underwriting, and risk assessment decisions, making it easy to demonstrate compliance during audits and regulatory reviews.

How do you improve authorization rates without hurting conversion?

We use intelligent retry logic, network tokenization, and 3-D Secure 2.x optimization to improve authorization rates. Our smart routing system selects the best payment method and timing, reducing false declines while maintaining a smooth user experience that doesn't impact conversion rates.

Can you integrate with our existing gateway and fraud tools?

Absolutely. Our platform is designed to work alongside your existing infrastructure. We support integrations with major payment gateways, fraud detection systems, and KYC providers, allowing you to leverage your current tools while adding our advanced capabilities.

Do you support on-prem or private cloud?

Yes, we support both on-premises and private cloud deployments. Our architecture is cloud-native but can be deployed in your private infrastructure or dedicated cloud environments to meet your security, compliance, and data residency requirements.

Why Teams Choose Ateam Soft Solutions

Common questions about our fintech and payments solutions, answered by our experts.

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