The Core Payment Platform For Banks & FinTech
Payments & loyalty functionality in white-label- 310+ RESTful API
- 100,000,000+ transactions a month
- 200+ payment methods globally, including VISA/Master Card, SEPA payments, Paypal, Bitcoin, e-money, etc.
- Designed especially for the easiest integration with 3rd party you like (OAuth, KYC, AML, Biometrics, etc)
- Cutting-edge technology & high-quality QA procedures
- PCI-DSS compliant
- PSD2-ready
- Fast start and migration
- Fair pricing
Functionality highlight
Payment:
- Full set of payments operations:
- P2P money transfers
- Top-up & Withdrawal
- Payment acceptance includes Recurring payment & Subscription, Invoicing
- Dispute Resolution Services: Refund, Chargeback, Partial refund & chargeback
- Mass Payment
- Loyalty: Cashback, Bonuses, Points & Discounts
- Money exchange
- Issuing & redeem of Prepaid cards & Gift cards
- Multi-currency accounts for Clients
General:
- The concept of actors includes:
- Primary actors: an individual, a merchant & mass-pay
- Services actors: CFO, Compliance, Anti-fraud, Cashier, Accountant, Exchange, Customer Support
- Fees & Limits for all types of operations
- Powerful reporting
- Aggregation type of payment gateway
- Multilingual system
Payment & Loyalty functionality in API format
Scalability
Depending on the kind of the infrastructure the SDK.finance platform can handle several types of load. But it is critical to mention that the software is scalable and in case, of increased loads it can be easily settled.
Business cases
- Payment acceptance
- Payment processing
- E-wallets
- Money exchange
- Issuing virtual money
- Gift cards
- Prepaid cards
- P2P money transfer
- Mobile POS
- Mass-payment service
Integration
layer
the SDK.finance software is designed for the easiest integration with 3rd party providers you like (OAuth, KYC, AML, Biometrics, etc)
PSD2
A “fast-mover” financial institution must be able to comply with the following:
Innovate
Banks have a choice of extending their API development beyond the minimum requirements by solving the “innovate or die” dilemma. Customers are already enjoying the services provided by third parties which can innovate at a faster pace. It is crucial to ensure that the banking IT system is able to embrace the speed of the customers’ quickly evolving needs.
Aggregate
Another option is an API aggregation model where a bank is able to assemble multiple APIs via extended integration. That would allow banks to reach a broader set of merchants offering them access to a wide range of banks at one point.
Flexible Payment Gateway
- Payment Gateway is designed for integration of dozens
of payment tools - Available from the box:
Mobile Apps
A FinTech product is like an iceberg. Only 30% of a product is a front-end and 70% is a back-end and infrastructure.
The back-end is the invisible part, but the most crucial one that deals with functionality, security and scalability. Unlike front-end, that should be unique, back-end could be unified for thousands of products. That’s the key point why we’ve invented a unified back-end that covers all you need in a transaction-related business.
You may design a mobile application that you need and simply consume API of SDK.finance that enables your users to work with it.
Infrastructure side
SDK.finance application is hosted on PCI-DSS ready infrastructure AWS, a database of your clients on your servers. You can host all on your servers if you buyout SDK.finance with source code.
Change-ready solution
SDK.finance platform is designed for the convenient way of implementation of changes into your product.
This is a building bricks concept. Simply put it
together into one product.
Quality Assurance procedures
SDK.finance development team performs
its job in line with the strict Software Development
Life Cycle (“SDLC”) policy.
SDK.finance provides the highest level quality
solution through regular updates and frequent
automatic testing procedures.
Code's side testing
procedures:
Arquillian and JUnit tests
SonarQube, UpSource, FindBug, Lapse+
Application Monitoring + Infrastructure monitoring
Integration tests + Functional tests;
Open Web Application Security Project (“OWASP”)
Servers’s side
testing procedures:
External penetration tests with OWASP ZAP
Application Firewalls (depends on Environment)
VPN for cross-servers communications
Strong SSL - for data encryption of network sessions for publicservices
Database encryption mechanism
Technology
SDK.finance is continuously evolve following
the development of new technologies
and changing demands of the global environment.
Pricing models enable to keep your budget low
Subscription
flat fee upfront
Eliminate CAPEX!
Buyout with source code
+ knowledge transfer
Run the product with your team!
How can you compare a cost of SDK.finance with other options?
It’s definitely cheaper than even internal development.
Service Level Agreement
Service SDK.finance will provide the support services for the SDK.finance software based on the relevant SLA agreement in accordance to the volumes described below:
Basic questions of the system operator, which can be resolved by the Customer support and the management of the Service Provider.
Resolving issues regarding the infrastructure and architecture components. Servers, Databases, Infrastructure, and other tasks that can be resolved only by a System Administrator.
Questions regarding the source code, the logic of the system in general. Setting the system parameters and other tasks that can be performed only by Developers.
Use-cases
Recurrent Payments
1. Individual orders goods/services from the Merchant
2. Individual chooses payment method and confirms payment
3. Individual chooses the payment to be recurrent
Loyalty points/bonuses
1. Create loyalty rules for certain types of goods/services
2. Send notification about promotion
3. Individual visits merchant’s store and orders the promoted goods
4. Individual chooses the payment method and makes a purchase
5. Individual can make purchases from his bonus account in Merchant’s stores
Cashback
1. Log in to the back-office
2. Merchant creates cashback profiles, setting the percentage of the cashback that buyer will receive from each purchase
3. Individual orders goods with the cashback profile
4. Individual chooses payment method
5. Individual confirms the payment
Escrow
1. Log in to the back-office
2. The user orders goods/services from the merchant
4. User chooses the payment method to pay the invoice (e.g. bank transfer)
5. User confirms the payment
6. Merchant delivers goods/services
6. Merchant fails to deliver goods/services
Invoicing
1. Log in to the back-office
2. Click Create Invoice
3. Fill in the invoice form
4. Confirm issue of invoice
Make External Transfer
1. Log in to the back-office
2. Choose the Make a transfer
3. Enter recipient’s ID (email or phone number)
4. Choose the method for transfer (e.g. bank transfer)
5. Enter amount
6. Confirm transfer
We are trustworthy
On June 17-19, SDK.finance team was presenting loyalty program solution at BNP Paribas International Hackaton weekend in Warsaw. Integration BNP Paribas databases and SDK back-end with Open Bank Project allowed us to get full-fledged loyalty program for bank’s Clients during one weekend. This hackathon was a great win-win event for all participants.
Aiming to service FinTech sector, and lowering the barriers to entering the industry, is SDK.finance. Rather than offering solutions to consumers, SDK.finance provides back-end technology that enables other businesses to operate digital FinTech services.
SDK.finance allows FinTech founders to save time and money on product development. Its architecture helps to develop desired functionality.
SDK.finance, a fintech backend platform, has introduced Moresise, a multicurrency wallet set. Moresise is a multi currency financial mobile application with personal assistant and loyalty program. The service offers multicurrency banking, pay bills feature, money transfers, transaction analytics along with customer service, a loyalty program and table booking in restaurants.
In the latest SDK.Finance press release, the company presented their API progress and celebrated a New API release which expanded from 0 to 246 APIs within the last year.