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payments fintech

Modernizing Payments. Powering Financial Ecosystems.

Altimetrik’s Payments & FinTech modernization expertise helps global financial institutions modernize payment ecosystems, scale transaction volumes, and accelerate new payment capabilities.
We partner with banks, payment processors, networks, and fintech innovators to enable instant payments, ISO 20022 adoption, and build cloud-native, AI-led platforms. From authorization and settlement to compliance, fraud prevention, and reconciliation, we engineer secure, scalable, and future-ready payment solutions.
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Our Footprint in Financial Services

Altimetrik’s Payments & FinTech practice is built on real-world delivery experience
across complex, high-scale financial environments.
5
of the top 10 US regional banks served
7
Tier-1 banking leaders
5
Global payment leaders
8
FinTech organizations enabled with Day-0 product and go-to-market

Why Altimetrik in Payments & FinTech

We design and deliver intelligent, scalable, and regulation-ready payment platforms built for performance and growth.
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Our Competitive Advantage

Cloud-native instant payment processors capable of scaling from 100 TPS to 5000+ TPS
4M+ transactions per day architectures
Zero-downtime deployment in regulated environments
ISO 20022 native and MT-to-MX transformation expertise
Configuration-driven regionalization across 22+ countries
Event-driven, microservices-based payment hubs
AI-enabled fraud, risk, and compliance automation

Where We Deliver Value

Altimetrik supports a wide range of Payments and FinTech business areas,
spanning the full lifecycle of financial products and services.
Payments and Cards
Buy Now Pay Later (BNPL)
Digital Banking and Digital Onboarding
Channels and Integrators
POS Integrations
Risk & Compliance
Treasury, Assets, Investment, and Trade
Fraud, AML, KYC, and Underwriting

Payments Domains & Capabilities

Payments

We support multiple payment types and core processing stages across modern payment ecosystems.

  • High Value Payments
  • Low Value Payments
  • Instant Payments
  • Cross-Border Payments

Core processing areas include routing, switching, authorization, clearing, settlement, reconciliation, chargebacks, gateways, pricing, migration, transformation, and standards adoption.

Instant Payments (IP)

Instant Payments are a key disruptor in the payments landscape.

Altimetrik enables:

  • Cloud-native instant payment processing
  • ISO 20022 adoption as a canonical format
  • MT to MX transformation for migration
  • Message generation, simulation, and validation

Our approach supports multiple instant payment flows across countries using
reusable components and accelerators.

Cards

Altimetrik supports card-related processing and lifecycle capabilities, including:

  • Commercial Cards
  • Virtual Cards (Authorization and Compliance)
  • Wallet Integration

Card capabilities span tokenization, billing, customer account management, interchange, and card lifecycle management.

Lending & Remittance

Lending and remittance capabilities are supported as part of the Payments & FinTech domain.

Coverage includes:

  • Loan and Ledger management
  • Collections and Recovery
  • Foreign Exchange
  • Send and Receive money flows

Merchant Acquiring, Merchant Services & POS

Altimetrik enables merchant-centric payment capabilities across onboarding, servicing, and POS operations.

  • Merchant Acquiring
  • Merchant Services
  • POS
  • Onboarding and Partner Management
  • Identity and Access Management (IDM)

Risk, Fraud & Compliance

Risk and regulatory capabilities are embedded across payment and card flows.

Coverage includes:

  • Risk and Fraud Management
  • Underwriting
  • AML, KYC
  • PCI, GDPR, CCPA, FATCA
  • Audits and Investigations

End-to-End Payment Architecture

Altimetrik’s Payments & FinTech architecture spans the complete lifecycle:

  • Sales & Marketing
  • Merchant Boarding & POS Activation
  • Authorization & Transaction Processing
  • Interchange, Settlement & Reconciliation
  • Disputes, Chargebacks & Fraud
  • Customer Care & Case Management
  • Back Office Operations

This end-to-end view ensures consistency, scalability, and regulatory alignment.

Standards & Ecosystem Integration

Altimetrik enables deep ecosystem integration across banking and payments.

  • ISO 20022 (canonical format)
  • Open Banking APIs for Payments and Cards
  • Integration with regional payment networks (RTGS, SEPA, etc.)
  • Third-party payment processors
  • Global and country-specific sanctions services

Configuration-driven integration enables regionalization without heavy code
changes.

Accelerators That Speed Up Transformation

Altimetrik provides in-house accelerators to accelerate Payments & FinTech delivery
Payment & Functional Accelerators
  • Instant Payment Accelerator
  • ISO 20022 Message Simulator
Technology & Domain Accelerators
  • Reference Microservices Templates
  • UML Flow Generator
  • Code Generation Accelerator
  • Shift-Left Automation Accelerator (Slingshot)
  • JUnit Validator
Data Accelerators
  • Ingestion Gateway
  • Accelerated ETL Framework
  • Augmented Data Quality Framework
  • Data Science as a Service
  • Databricks Configurator (Delta, Unity Catalog, Data Sharing)

Why Altimetrik

Altimetrik combines domain depth, engineering rigor, standards adoption, and proven delivery to help banks, payment providers, and fintechs modernize with
confidence.
Reimagine payments with intelligent, cloud-native, and AI-led engineering.
Let’s build the next generation of payment platforms.

Recognitions

Major Contender in Everest Group’s 2025 BFSI IT Services Specialists PEAK Matrix assessment.
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Case Study1: Proven Payment Modernization

Cloud-Native Instant Payment Processor

Altimetrik partnered with a Big-4 US bank to build a hyper-scale instant payment processor on public cloud.

  • Regular throughput: 100 TPS
  • Scalable throughput: 5000 TPS
  • More than 4 million transactions per day
  • Delivered using two-week incremental sprints

The solution used a cloud-native, event-driven architecture with Kubernetes, Kafka, Docker, and ISO 20022 messaging

 

Case Study 2: Payment Hub for Regional Expansion

For another Big-4 US bank, Altimetrik enabled payment services across 22 countries using a centralized payment hub.

  • Zero downtime for deployment and scaling
  • 20x improvement in throughput and TPS
  • 5-second end-to-end transaction response

Regional variations managed through configuration, supporting differences in
attributes, behavior, workflows, and external integrations.

 

GLOBAL LEADER IN CARD & PAYMENT SOLUTIONS
Top 4 US-Based Global Bank
Global Leader in Digital Payments
SUCCESS STORY

Global Leader in Card & Payment Solutions

Engagement
Capabilities
  • Merchant Checkout products
  • Commercial Card Reconciliation
  • Corporate Travel Intelligence
  • Issuer Onboarding and Simulation
  • Loyalty and Offers
  • Product Engineering
  • Data Engineering
  • Analytics and Data Science
  • Quality Engineering Automation
30%
higher market share through product enhancements
38%
reduction in testing efforts
68%
savings through AI/ML-based auto-reconciliation
SUCCESS STORY

Top 4 US-Based Global BankTop 4 US-Based Global BankTop 4 US-Based Global BankTop 4 US-Based Global Bank

Engagement
Capabilities
  • Online B2B banking services
  • Commercial digital onboarding
  • Treasury and Trade solutions
  • Real-time and instant payments
  • Risk management
  • Product engineering
  • DevSecOps
  • Experience Design and Mobility
  • Quality Engineering and Automation
  • Business and Technology Architecture
12%
release acceleration
27%
TCO reduction
11%
reduced provisions
SUCCESS STORY

Global Leader in Digital Payments

Engagement
Capabilities
  • Payments and Receipts
  • Merchant Services
  • Risk and Fraud management
  • Mobile experience
  • Post-M&A Integrations
  • Product engineering and modernization
  • Data and Business Intelligence
  • DevSecOps
  • Quality Engineering and Automation
30M
saved on infrastructure through modernization
4
acquisitions successfully integrated into a common platform
100%
migration to a modern framework

SUCCESS STORY

Global Leader in Card & Payment Solutions

Capabilities

  • Merchant Checkout products
  • Commercial Card Reconciliation
  • Corporate Travel Intelligence
  • Issuer Onboarding and Simulation
  • Loyalty and Offers
  • Product Engineering
  • Data Engineering
  • Analytics and Data Science
  • Quality Engineering Automation

30%

higher market share through product enhancements

38%

reduction in testing efforts

68%

savings through AI/ML-based auto-reconciliation

SUCCESS STORY

Top 4 US-Based Global BankTop 4 US-Based Global BankTop 4 US-Based Global BankTop 4 US-Based Global Bank

Capabilities

  • Online B2B banking services
  • Commercial digital onboarding
  • Treasury and Trade solutions
  • Real-time and instant payments
  • Risk management
  • Product engineering
  • DevSecOps
  • Experience Design and Mobility
  • Quality Engineering and Automation
  • Business and Technology Architecture

12%

release acceleration

27%

TCO reduction

11%

reduced provisions

SUCCESS STORY

Global Leader in Digital Payments

Capabilities

  • Payments and Receipts
  • Merchant Services
  • Risk and Fraud management
  • Mobile experience
  • Post-M&A Integrations
  • Product engineering and modernization
  • Data and Business Intelligence
  • DevSecOps
  • Quality Engineering and Automation

30M

saved on infrastructure through modernization

4

acquisitions successfully integrated into a common platform

100%

migration to a modern framework

FAQs

Altimetrik delivers secure, scalable, and AI-powered cloud engineering solutions that modernize legacy systems, improve cloud security, and accelerate innovation. Our integrated approach combines GenAI, automation, and cloud-native practices - driving faster, smarter transformation across the enterprise.
Payments modernization refers to upgrading legacy payment systems to cloudnative, real-time, ISO 20022-compliant, and API-driven platforms.
ISO 20022 provides richer, standardized financial messaging that improves crossborder interoperability, fraud detection, and compliance monitoring.
A cloud-native payment platform uses microservices, containers, event-driven
architecture, and DevOps automation to deliver scalable and resilient payment
processing.
AI enables real-time anomaly detection, behavioral risk scoring, automated
underwriting, and proactive fraud prevention embedded into payment flows.

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