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FINTECH PLATFORM & META LAYER

Orchestrate your
entire fintech
ecosystem.

Channels, rails, and partners — unified in one platform. Payment orchestration, compliance, and cloud infrastructure for fintechs across 113+ countries. Since 1996.

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your platform
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Bridge+0.10%
Bitso+0.05%
Walapay+0.12%
🇺🇸 USD
🇪🇺 EUR
🇲🇽 MXN
🇧🇷 BRL
🇦🇷 ARS
🇮🇳 INR
🇨🇳 CNY
🇦🇪 AED
Yellow Card+0.20%
HoneyCoin+0.30%
Cobre+0.10%
🇿🇦 ZAR
🇰🇪 KES
🇪🇬 EGP
🇺🇬 UGX
🇹🇿 TZS
🇬🇭 GHS
🇨🇴 COP
🇲🇽 MXN
🇵🇪 PEN
and many more
19+
Providers Integrated
113+
Active Countries
72+
Fiat & Stable Currencies
< 5s
Average Settlement Time
BATTLE-TESTED FINTECH OS·16 YEARS OF INDUSTRY EXECUTION·GLOBALPAYMENT.LIVE

The Sovereign Fintech Operating System.
16 Years of Battle-Tested Clearing, ACID Ledgering & Resilience.

Engineered from the ground up for regulated payment service providers, money transfer operators, credit union federations, and tier-1 clearing banks. Battle-tested across £15 Billion+ in volume, 30 Million+ clearing transactions, and 165+ institutional deployments across 35+ countries and 4 continents with 99.999% availability and absolute zero balance drift.

£15B+
VOLUME CLEARED
0.000% reconciliation loss
30M+
TRANSACTIONS
Sub-second settlement events
165+
ENTITIES DEPLOYED
Fintechs, banks & credit unions
100k+
DIRECT OPERATORS
Daily concurrent cashier POS
150+
CORE INTEGRATIONS
Central Bank RTGS & FX desks
35+
SOVEREIGN NATIONS
Live clearing across 4 continents
ARCHITECTURE TOPOLOGY · END-TO-END TRANSACTION PIPELINE

From Retail Ingress to Sovereign RTGS Settlement

PIPELINE HEALTH: 99.999% AVAILABLE·E2E P99: < 380MS
LAYER 01100k+ Operators
Omnichannel Ingress
  • •Cashier POS Terminal
  • •React Native Apps
  • •Treasury Web Sweeps
  • •Open Banking PIS/AIS
OAuth 2.0 / mTLS / gRPC
< 180ms terminal
LAYER 02DDoS & Idempotency
Edge Security Switch
  • •Anycast BGP Edge
  • •Cloudflare WAF
  • •Redis Idempotency Locks
  • •Sub-ms Rate Limiting
TLS 1.3 / HMAC-SHA256
< 4ms inspection
LAYER 03Smart Order Routing
Financial Services Gateway
  • •150+ FX Order Books
  • •120s Fixed Rate Lock
  • •IVMS 101 Travel Rule
  • •Sub-35ms OFAC Screen
FIX 4.4 / REST / WS
< 45ms quoting
LAYER 04Zero Balance Drift
Double-Entry Meta-Ledger
  • •ACID 2PC Transaction Core
  • •T+0 Commission Splits
  • •FCA/EU Safeguarded Omnibus
  • •Automated 3-Way MT940
ISO 20022 camt.053
0.000% variance
LAYER 05RTGS & Secondary Mesh
Sovereign Settlement Rails
  • •FedNow, SEPA, UK FPS
  • •El Salvador SPM / BCRD
  • •WOCCU Credit Unions
  • •USDC / EURC Stablecoin
ISO 20022 pacs.008
Sub-15s clearing
LAYER TELEMETRY & ARCHITECTURAL GUARANTEE
Smart Order Router (SOR): Real-time streaming quote comparison across 150+ market makers with 120s fixed rate lock and sub-35ms OFAC/Travel Rule screening.
Click through other layers above to inspect live protocol standards, latency thresholds, and fault-tolerant failovers.
Run Neural Flow Simulator →
GLOBAL FX PRICE COMPARISON & PAYMENTS TECHNOLOGY · PRODUCT ADVANTAGE

Why Licensed Institutions Build on GlobalPayment.live

Four operational cornerstones refined across 165+ deployments and £15 Billion in cleared transaction volume.

ECONOMIC GAINSCAPEX & SPREADS
  • ✓Reduced unit cost of payments compared to traditional banking monopolies
  • ✓Flexible FX pricing via pooled access to 150+ market makers & remitters
  • ✓Build vs Buy: 14-day production launch vs 18-24 months in-house engineering
  • ✓Shortened learning curve with immediate access to 16 years of institutional IP
ADOPTION & INTEGRATION14-DAY LAUNCH
  • ✓Flexible connectivity: REST, GraphQL, automated batch CSV files, & SWIFT plugins
  • ✓Dedicated expert project management support during systems implementation
  • ✓Complete automation of back-office reconciliations, fee schedules, & commissions
  • ✓Turnkey white-label skins customizable down to domain, CSS tokens, & mobile apps
OPERATING EFFICIENCIESSTP > 99.2%
  • ✓Single unified service relationship with dedicated account leadership
  • ✓Straight-Through-Processing (STP) rate exceeding 99.2% with automated recovery
  • ✓Guaranteed reliability of receipt for end beneficiary funds across 113+ countries
  • ✓Next-generation Blockchain, CBDC, and stablecoin payment rail enablement
SECURE & COMPLIANTISO 27001 & AML
  • ✓ISO 27001 compliant architecture and multi-site active-active disaster recovery
  • ✓Automated KYC, KYB, and beneficial ownership (UBO) diligence in under 60 seconds
  • ✓Real-time and offline sanction screening through integrated VASP provider networks
  • ✓Automated transaction monitoring and Suspicious Activity Report (SAR) filings
THE API TECHNOLOGY STACK

One Unified Contract. 19+ Rails. Zero Complexity.

Built by payment architects for payment engineers. Integrate our ISO 20022-aligned API once and gain instant programmatic access to domestic bank networks, real-time gross settlement, and sub-second stablecoin clearing.

SCHEMA
ISO 20022 Aligned
Unified payload standard
IDEMPOTENCY
Zero-Duplicate
Cryptographic keys
GATEWAY LATENCY
< 140ms Median
Edge routed globally
WEBHOOK SECURITY
HMAC-SHA256
Signed event streams
POST/v1/payouts
import { GlobalPayment } from '@globalpayment/sdk';

const gp = new GlobalPayment({ apiKey: process.env.GP_API_KEY });

// Execute instant cross-border payout with automated rail selection
const payout = await gp.payouts.create({
  sourceAccountId: 'act_treasury_usd_01',
  destination: {
    country: 'BR',
    currency: 'BRL',
    routingProtocol: 'pix',
    pixKey: 'finance@empresa.com.br',
    beneficiaryName: 'Empresa Tech do Brasil Ltda'
  },
  amount: { value: 150000.00, currency: 'BRL' },
  purposeCode: 'COMMERCIAL_SETTLEMENT'
}, { idempotencyKey: 'idemp_94b8-f14a' });

console.log(`Payout executed via ${payout.rail}: ${payout.status}`);
200 OK
Latency: 142ms
{
  "id": "pay_88f219c0b1e4",
  "status": "settled",
  "routing": {
    "rail": "brazil_pix",
    "partner": "bitso_direct",
    "settlement_speed": "sub_30s"
  },
  "source_amount": {
    "value": 27420.5,
    "currency": "USD"
  },
  "disbursed_amount": {
    "value": 150000,
    "currency": "BRL"
  },
  "effective_fx_rate": 5.4703,
  "fees": {
    "network_fee": 12.5,
    "currency": "USD"
  },
  "clearing_receipt": "E9040088820261002164821a8f90",
  "created_at": "2026-10-02T16:48:21Z",
  "idempotency_key": "idemp_94b8-f14a"
}
Multi-Rail Smart Payout — Disburse funds across 113+ countries. Smart router selects the optimal local rail (FedNow, Pix, SPEI, SEPA Instant) in real time.
CONSULTATIVE PRODUCT DESIGN·INSTITUTIONAL PAYMENT ARCHITECTURE

Bridging the Gap Between Legacy Core Banking and Autonomous Payment Execution.

Consulting rigor meets modern payment systems engineering. We don't force generic templates onto bespoke operations—we benchmark your exact regulatory perimeter, corridor unit economics, and client requirements to deliver measurable, production-grade results.

REQUIREMENTS & ROUTING

Multi-Rail Ingestion & Least-Cost Routing

Sub-45ms
Quote Latency P99
Measured P99 execution across connected Tier-1 liquidity venues
01 · WHERE LEGACY RAILS FAIL

Legacy Infrastructure Friction

Fragmented terminal hardware, separate digital and retail silos, manual cashier float reconciliation, and opaque interbank spreads.

02 · HOW WE REBUILD IT

Requirements & Architecture

Architecture review of your branch footprint and treasury flows. Unified dual-stack ingestion bridging legacy batch CSVs with real-time REST and WebSocket APIs.

03 · WHAT RUNS AUTONOMOUSLY

Autonomous Financial Results

Algorithmic Smart Order Router (SOR) streaming across 150+ verified liquidity books with sub-45ms P99 execution and 120-second rate locks.

PRODUCTION DELIVERABLES:Hardware-agnostic POS switch · Custom branded client portals · Open Banking direct PIS · Real-time SOR aggregation
Inspect Live Flow Model →
PROVEN PEDIGREE

16+ Years. 35+ Countries.
4 Continents of Execution.

From the earliest forex delivery desks through open banking, neo-banking, microfinance, and cross-border bill settlement — we've built and operated the infrastructure behind 165+ institutions. Our proprietary network spans corridors across Europe, Africa, the Americas, and Asia. Handling £15 Billion+ in transaction volume with 100,000+ daily systems users.

£0B+
Volume Cleared
0M+
Transactions Processed
0+
Institutions Deployed
0+
Direct Core Rails
ARCHITECTURE

Five layers. One platform.

From cloud infrastructure to channel orchestration — every layer is production-tested and purpose-built for regulated financial services.

Retail POS, online checkout, mobile app, franchise management, white-label portal, partner API, and affiliate portal — all routing through a single orchestration layer.

ID Analyzer KYC, sanctions screening, AML monitoring, PSD2/PSD3 open banking, card processing across 10+ processors, prepaid issuance, and stablecoin settlement.

Multi-currency ledger with real-time transaction processing, product lifecycle management, and partner settlement across nostro/vostro accounts.

Machine learning-powered route optimisation, corridor-specific pricing engines, behavioural analytics, and a proprietary data asset that compounds with every transaction.

Scalable microservices architecture, automated deployment pipelines, comprehensive security certifications, and 99.99% uptime SLA.

GET STARTED

Ready to orchestrate?

Whether you're launching, scaling, or realigning — our platform and our expertise are your competitive advantage.

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