Practice area

Payments & banking

Money moving in real time, under a regulator, where the interesting work is entirely in what happens when something fails. Scheme integration, switching, settlement and the dispute paths that account for most of a certification surface.

100,000 transactions an hour at peak

What this covers

Real-time scheme integration, ISO 8583 switching, card management, reconciliation and settlement. Certified against the scheme, not just tested internally.

Case studies

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Sixteen thousand ATMs, most of them where the roads run out

Our client runs about seven per cent of India's ATM estate, largely in tier-4 and tier-5 towns. We build and run the switch integration, the UPI and IMPS stack, and the reconciliation underneath.