50+ Modules. One Platform.
Paymart Suite is a modular financial platform built on Java EE enterprise technology. From core banking to AI-powered automation — every module you need to run a modern financial institution.
The platform organizes into five functional groups: customer and account management, payments, cards and commerce, compliance and risk, and operations. Each module connects through the same API layer — no silos, no bolted-on integrations. Here's how the groups fit together in practice.
A typical deployment starts with Accounts and Payments. Cards, FX, and Compliance follow as the institution's volume grows. The Flux Engine ties everything together with visual workflow automation — we've seen onboarding cycles drop from 5 days to under 2 hours when institutions replace manual KYC steps with automated flows.
Customer & Account Management
Multi-currency accounts with IBAN generation, KYC/AML onboarding, and full lifecycle management. The core banking layer handles account management, bank statement tracking and reconciliation, auto-loaded currency rates, full loan lifecycle management, group loan responsibility, guarantee issuance, and automated invoicing — all from a single back-office interface.
- Account Management — Multi-currency accounts, commissions, service fees, exchange rates
- Loans Issuing — Full loan lifecycle management with group loan support
- Guarantee & Invoice Issuing — Guarantee issuance and automated invoicing
Payments
Internal transfers, SEPA credit transfers, SWIFT international payments, and incoming external payments all flow through one payment management module. High-volume batch processing handles thousands of payments in a single submission. Counterparty payment requests, recurring payments, and configurable multi-level approval workflows ensure control at every volume level. Cash-in and cash-out modules complete the cash flow management picture.
- Payment Management — Internal, SEPA, SWIFT, incoming external
- Batch Payments — High-volume batch processing
- Multi-level Approval — Adjustable approval workflows
Compliance, Risk & AI Automation
Role-based access control, Web Application Firewall, automated sanctions screening with list updates, and AML/TF/PEP verification — manual and automatic. Transaction limits by amount and frequency. Complete audit trails. The Paymart Flux Engine drives visual workflow automation: dynamic AML/KYC verification flows, OSINT-based client dossiers, real-time anomaly detection, behavioral fraud models, adaptive risk scoring, and automated document-based onboarding. In practice, institutions using the Flux Engine for KYC automation report onboarding cycles dropping from days to hours.
- Security Manager — WAF, access control, audit trails
- Sanction Lists & AML/TF/PEP — Automated screening with updates
- Paymart Flux Engine — Visual workflow automation platform
- Fraud Detection & Risk Scoring — Behavioral and predictive models
Cards & Commerce
Proprietary card generation for POS terminals, EMV card gateway integration, UnifiedPOS for retail, tablet-based payment acceptance, browser-based point of sale, and e-commerce integration. The commerce layer covers everything from physical card-present transactions to online marketplace payments.
- Card Local & External — Proprietary card generation and EMV gateway
- POS / POSWeb / Web POS — Retail, tablet, and browser-based acceptance
- WebShop — E-commerce integration
Channels, Users & Integration
Customers reach the platform through web banking, native Android and iOS apps, SMS banking, and USSD for offline mobile access. Admin and operator management provides role-based control with agent networks and commission-based brokerage. External services connect via WebServices and RESTful APIs.
- Web & Mobile — Full web banking, native Android/iOS, SMS, USSD
- API Connectivity — SOAP and RESTful APIs for all modules
- Member & Admin Management — Registration, roles, agent networks, brokerage
- Messaging & Multilingual — Email, SMS, dynamic translation, RTL/LTR
- External Services & Gateways — WebServices, RESTful, custom fields, Cryptobase
Supported Business Models
One platform, multiple business models. Standard online banking for full retail operations. Crypto wallets for cryptocurrency exchange and storage. Agent networks with commission-based broker management. Fast loans for microfinance and lending. E-commerce for marketplace and classifieds. Loyalty programs with cashback and commission schemes. USSD banking for offline mobile operations. The same core engine powers all of them — the business model is a configuration choice, not a reimplementation.
- Standard Online Banking — Full retail banking
- Crypto Wallets — Cryptocurrency exchange & storage
- Agent Networks & Fast Loans — Brokerage, microfinance, lending
- E-commerce & Loyalty — Marketplace, cashback, commission schemes
Built for the 2026 Payment Stack
A2A is where the volume is heading. Roughly 60 billion transactions today, a projected 186 billion by 2029, a 209% jump. Money now moves directly between accounts, not over card rails.
The trend shows up in our own clients. Most run Paymart Suite without a separate layer, because SEPA and SWIFT transfers, batch processing, and multi-level approvals are all native. One API surface covers accounts, payments, cards, FX, and compliance, and that single shared interface is what lets embedded finance happen - a marketplace, a lending app, or a logistics platform can call in payment and card features and have them behave like a native part of the product. It is the same reason white-label works: the KYC, AML, and risk infrastructure is already in place, so a branded launch is a configuration task rather than a build project.
One caveat worth stating before the vision takes over. The shared API does not remove the compliance work. Every institution still configures its own screening thresholds and AML rules, and in practice that part has no shortcut.
Which leaves speed as the deciding factor for most BaaS buyers. The platform ships with the regulatory surface ready-made - sanctions screening, AML/TF/PEP checks, audit trails - so teams stay on the product instead of the paperwork. Ready-made compliance plus a single API turns a licensing decision into a launch timeline measured in weeks.
Ready to Transform Your Financial Operations?
Choose your deployment model — SaaS, dedicated, or on-premise license. Get started in weeks, not months.