The Infrastructure for modern payment professionals

The global payment service infrastructure built for payment professionals to create new financial products, accept payments, embed financial services, power custom revenue models, and build a more profitable business.

Speak to sales

limitless infrastructure possibilities

We're Not a Processor.

We're The Payment Network Telecom.

We don't process payments. We provide the infrastructure that makes processing possible.

Direct connections. No intermediaries. You control the stack.

Just as telecom carriers provide the rails that connect all phone networks, BPS provides direct connectivity to every card network and payment rail. While Worldline takes 3-9 months to onboard and Stripe locks you into their processing, we give you direct Visa/Mastercard network access with your own credentials.

Direct Network Infrastructure

Your own BINs or get BINs from Partners,

Your own acquiring relationships. Not reselling someone else's access- we're the tech layer, you control the business.

Wholesale Economics

See actual interchange, not bundled rates.

Pay network fees directly. No processor margins hiding in your rates.

Universal Connectivity

Single integration for every payment rail and method.

Direct access to Visa, Mastercard, and local schemes through unified APIs. Switch acquirers without changing code. Route payments however you want. No aggregator margins, no gateway delays.

Data You Can Actually Use

Stream transaction data directly to your warehouse.

Tag, segment, and analyze without black-box limitations. Export everything- raw messages, interchange rates, authorization paths.

Solution support for all business types

From local banks and large merchants to category-defining global acquirers, psp, marketplaces, successful businesses across industries grow and scale with BPS.

Banks & Acquirers

Modern infrastructure.

Live in days, not months. Give your merchants direct network access, transparent pricing, and real-time analytics through a single API integration. Cut processing costs by 30% while offering features that rival Stripe and Adyen.

PayFacs & PSPs

Own your infrastructure.

Ship features faster. Direct network connectivity and modular APIs let you build custom payment experiences without legacy constraints. Deploy new payment methods in days, not quarters. Scale from startup to enterprise on the same platform.

Enterprises, Marketplaces & Platforms

Direct network access.

No intermediaries. Full control. Connect straight to card networks Visa, Mastercard. Get real-time transaction data, reduce processing costs, and optimize authorization rates. Built for enterprises that need transparency and control at scale.

Payment Gateways and Aggregators

Scale thousands of merchants.

Unified APIs for multi-merchant operations, while optimizing conversion and operational efficiency. Smart routing and automated reconciliation handle the complexity while you focus on growth. Sub-second processing with enterprise-grade reliability.

Global scale

The backbone for global acceptance

Start with core processing, add capabilities as you grow. Every module works standalone or together through unified APIs-no rearchitecting required. Handle payments, optimize revenue, or build entirely new business models on infrastructure that scales with you.

>100 ms

Fast processing times

68 million

Transactions processed monthly

Modular Infrastructure for Modern Payments

Start with core processing, add capabilities as you grow. Every module works standalone or together through unified APIs-no rearchitecting required. Handle payments, optimize revenue, or build entirely new business models on infrastructure that scales with you.

99.99%

Uptime Guaranteed

24/7

Hands on Support

  • Network Gateway

    Direct connections to Visa, Mastercard, and local schemes. Process authorizations, captures, refunds, and reversals with sub-100ms response times.

    Smart Routing

    ML-powered routing across multiple acquirers. Optimize by success rate, cost, or speed. Automatic failover and retry logic included.

    Universal Tokenization

    PCI-compliant vault tokens that work across all processors. Forward and backward compatibility with existing tokens, infinite token generation per card.

    Network Tokenization

    Direct provisioning with Visa Token Service and Mastercard Digital Enablement Service. Automatic lifecycle management and cryptogram generation for higher auth rates.

    Account Updater

    Automatic card refresh for expired, lost, or replaced cards. Direct integration with Visa Account Updater and Mastercard Automatic Billing Updater.

    Apple Pay & Google Pay

    Full wallet orchestration with direct provisioning APIs. Support for in-app, web, and in-store transactions with biometric authentication.

    Click to Pay

    Seamless checkout with network-backed guest recognition. Support for Visa Click to Pay, Mastercard Click to Pay, and Amex Express Checkout.

    3D Secure Orchestration

    Intelligent authentication that maximizes approval rates. Dynamic exemption logic, liability shift optimization, and frictionless flow management.

    Real-time Risk Engine

    ML-powered fraud scoring with customizable rules. Block lists, velocity checks, and behavioral analysis. You control the decisioning.

    Dispute Management

    Automated chargeback handling with network integration. Real-time alerts, compelling evidence generation, and win-rate optimization.

    Custom Settlement Flows

    Design complex fund flows with multi-party splits and conditional routing. Hold, release, or redirect funds based on business logic with automated ledger reconciliation.

    Multi-party Payments

    Orchestrate marketplace and platform payments with automatic fee collection. Split transactions, manage reserves, and handle seller payouts with configurable timing.

    Reconciliation Engine

    Automated three-way matching between authorizations, settlements, and bank accounts. Real-time exception handling and investigation tools.

    Billing & Invoicing

    Subscription management with retry logic and dunning workflows. Usage-based billing, metered pricing, and automated invoice generation with tax calculation.

    Streaming Analytics

    Real-time data pipeline to your warehouse. Every auth, every response code, every network message—streamed as it happens.

    Revenue Optimization

    Interchange optimization, BIN routing, and processing cost analysis. See exactly where money is made or lost on every transaction.

    Workflow Builder

    Create complex payment flows with conditional logic and multi-step orchestration. Route by amount, BIN, risk score, or any custom parameter without code changes.

    Payment Methods Engine

    Add local payment methods, BNPL providers, and alternative rails through a unified interface. One API for cards, wallets, bank transfers, and whatever comes next.

Advanced Options

Built by payment operators who got tired of processor limitations.

We spent years fighting processor black boxes, integration delays, and hidden fees at scale. So we built the infrastructure we wished existed—direct network connections, transparent economics, and complete control.

Network Owners, Not Resellers

Direct hardware connections to Visa, Mastercard, and scheme networks. Our own ledger, our own core, zero middleware dependencies. When networks update, you get access immediately-not quarters later.

Operator DNA

Founded by teams who've processed billions at Stripe, Adyen, and Worldline. We know what breaks at scale. That's why we expose our risk decisioning, show real-time ops metrics, and give you the same tools we use internally.

Infrastructure Only

We don't compete for merchants. We don't build consumer apps. We provide rails for payment professionals building the next generation of financial services. Your success is literally our only business.

limitless solutions

Built for how to sell.

One platform. Every channel. Direct network access for all.

Whether you're processing online, in-store, or across channels, get the same wholesale rates, real-time data, and complete control. No different systems, no reconciliation nightmares, no channel penalties.

Omnichannel Unified

Single view across every touchpoint. Track payments from online to in-store purchase with unified tokens and persistent analytics. Route transactions to optimal acquirers regardless of channel—your online rates for in-store transactions. Deliver more flexible buying journeys and build a deeper understanding of your customers’ behaviour.

In-Store Direct

Ecommerce Optimized

How does success look like for your business?

Advanced Options

Payment Expertise Built In.
We Build. We Run. You Grow..

Zero consultants. 100% operators.

Our team has processed trillions at Stripe, Adyen, and leading banks. Now we build and run payment infrastructure for

ambitious companies. From the first transaction to global scale-we handle the payments, you handle the business.

Launch

Live in 30 days with pre-built infrastructure. We handle network certifications, compliance setup, and acquirer negotiations. You focus on your business while we manage the payment plumbing.

Migrate

Switch from legacy processors without touching a line of code. Our zero-downtime migration runs both systems in parallel, automatically syncs tokens, and maintains all historical data. 70% faster than traditional migrations.

Manage

Run payments like a fintech without becoming one. We operate the infrastructure, manage acquirer relationships, and handle compliance -you own the customer experience and economics. Perfect for platforms wanting payment control without payment headcount.

4

Step process

A proven workflow that ensures seamless collaboration and outstanding results.

Dedicate a BIN from your existing acquirer, your own acquiring license, or through BPS’s trusted acquirer partner network.

1/4

Select Your Acquirer

Connect to BPS’s API or use our low- to no-code solutions to onboard merchants and start submitting transactions to card networks and payment methods.

2/4

Integrate with BPS’s API

BPS provides detailed settlement information, including transaction-level fees and exchange rate details, through transparent tools.

3/4

Access Transaction Data

Receive settlements from card networks and payout your merchants, with BPS managing the technical and operational complexities.

4/4

Launch and Scale

Get started with BPS

Seamless Onboarding & Efficient Payments

Start by connecting your acquirer or using BPS’s simple API integration to onboard merchants quickly. Manage transactions and settlements effortlessly while we handle the technical and operational details.

Ready to start.

Contact us to design your future business.