Make Money.
The expertise, technology and financial connections to build and expand payment businesses.
Issuing
Card programmes
Acquiring
Merchant acceptance
- Issuingauthorised38 ms
- Acquiringcaptured44 ms
- Accountsposted21 ms
- Paymentsrouted57 ms
Accounts
Wallets & virtual accounts
Payments
Rails & transfers
Our offering
What we do.
Advisory, payment software and financial connectivity for businesses building and operating financial services.
Programme models
Built for your business model.
Financial services don't follow a single business model. Neither should the technology behind them.
Futuristech provides the software and financial connectivity to support direct-to-customer products, embedded financial services and partner-led programmes.
Programme composition
shared infrastructure
Available
£2,480.00
Debit
•••• 4402
Travel wallet
£640.00
- Programme operator
- Aperture Ltd
- Financial services
- partner institution
Platform payouts
operator viewFuturistech platform
technology & connectivity layer
01
Programme configuration
products · limits · fees
02
Ledger & balances
multi-currency · holds
03
Authorisation routing
rules · stand-in
04
Connectivity broker
institutions · mapping
one deployment · isolated programmes
configurableIssuer or programme manager
card issuing · authorisation
Acquirer or processor
acceptance · settlement
Bank or e-money institution
account of record · funds
Payment provider or scheme
clearing · transfers
Illustrative · programme structure, institutions and commercial terms agreed per engagement
Build products under your own brand, enable financial services through your partners, or develop new distribution models using configurable technology and connected financial institutions.
From issuing and acquiring to wallets and payments, our approach is designed around the products you want to offer, the customers you want to reach and the partnerships that make them possible.
Payment software · 02
Software for the business of payments.
Technology for issuing, acquiring and digital wallet operations — built for financial institutions, PSPs and digital financial service providers.
Acceptance & processing
Conceptual interfaceAmount due
£128.40
a.mercier@meridian.co
Card
Visa · Mastercard
Open banking
Instant bank transfer
Wallet
Apple Pay · Google Pay
Order summary
Programme hardware
Qty 1
Card data never touches the merchant
Captured
settlement T+1
Programme
Consumer GBP
Active cards
18,412 / 25,000
Authorisations · 24h
1,917,936
Programme Studio
Illustrative platform configurationProgrammes
- Consumer GBPdirect
config v14 · draft
- Travel walletembedded
- Apertureb2b2c
one deployment · isolated configuration
- Spending
- wallet-funded
- Signature
- on authorisation
- Authorisation requested0 ms
- Funding check · eligible sources42 ms
- Funds reserved for settlementheld
Aperture
own brand
Northline
own brand
- 01Ledger balanceprimary
- 02Linked walleteligible
- 03Partner settlementnext cycle
sequence configurable per programme
- Merchant categorypermitted
- Velocity3 of 12
- External authorisationrequired
Authorisation events
- 14:02:11approved
Card authorisation · wallet funded
- 14:01:52funded
Funding source selected · ledger
- 14:01:09routed
Issuer route · Issuer 01
- 13:58:44verified
Wallet signature verified
Partner profile
- Owner
- Aperture Ltd
- Model
- Embedded · B2B2C
- Issuers
- 2 of 3 connected
Illustrative platform configuration · capabilities and partner integrations are agreed per programme
Interfaces shown are conceptual and illustrate capability, not live performance
Financial connectivity · 03
One connection. More possibilities.
Connect to issuers, acquirers and financial institutions through a unified platform, and access the financial infrastructure to build your products, launch payment services and expand into new markets.
Unified connectivity
orchestrationConceptual architecture
POST /v1/accounts
{
"programme": "consumer_gbp",
"rails": ["fps", "sepa"]
}Engagement
Availability depends on jurisdiction, product and institutional arrangements, confirmed during scoping.
01
Card Issuing
Programme and card management, tokenisation and authorisation processing through connected institutions.
02
Merchant Acquiring
Acceptance, gateway and settlement capabilities for platforms that need to take payments.
03
Accounts, Wallets & Virtual Accounts
Customer accounts, wallets and virtual accounts, with balances and reporting provided by appropriately authorised institutions.
04
Payments & Transfers
Inbound and outbound payment connectivity, including domestic and cross-border flows.
Availability depends on jurisdiction, product and institutional arrangements
Financial services advisory · 01
Financial services expertise. Applied to your business.
Specialist advisory for businesses entering new markets, developing payment products, acquiring financial institutions and building financial services operations.
Market Entry & Expansion
Assess where to operate, how to enter and what it takes to run a financial services proposition in a new market.
Regulatory & Licensing Strategy
Define the permissions your business needs, the route to obtaining them and the obligations that follow.
Financial Institution Partnerships
Identify, approach and structure the institutional relationships that underpin your product.
Payment Product Development
Turn a proposition into a defined product with the economics, controls and operating model to support it.
M&A and Licence Acquisition Advisory
Evaluate acquisitions where the licence, platform or portfolio is the strategic asset.
Commercial Strategy & Business Development
Sharpen the commercial model and build the pipeline that converts institutional interest into revenue.
Route assessment
IllustrativeOwn licence
Longest path · Highest control
Authorisation, capital and controls held by your entity.
Partner institution
Faster launch · Shared compliance
Products delivered under an authorised institution's permissions.
Agent or distributor
Narrowest scope · Dependent
Distribution under another firm's permissions and oversight.
Workstream
Institutions
Shortlist built to the product, not the directory.
Conceptual analysis
Commercial applications
Start with the problem, not the product.
Most clients arrive with a commercial objective and an incomplete set of the pieces needed to reach it. These are the situations we are most often asked to solve.
Each offering is scoped independently. You do not need all three.
Launching a card programme?
Access issuing technology, programme controls and suitable financial institution connectivity — whether you are the issuer or a programme manager.
Building a new financial services business?
Combine market-entry advisory, payment technology and the financial partnerships required to operate lawfully and commercially.
Operating a bank, EMI or PSP?
Extend your product capability through issuing, acquiring or wallet technology, or replace parts of an ageing payment stack.
Embedding payments into your platform?
Connect to financial service providers through a single integration and bring the right payment capabilities into your product.
About Futuristech
Experience in the business of payments.
Futuristech is a London-based advisory and technology company working across payments, issuing, acquiring, wallets and embedded finance. Our work sits between the commercial ambition of a client and the institutional, regulatory and technical realities of delivering it.
That means practical industry understanding rather than theory: how programmes are priced, how institutions approve partners, how processing platforms behave under load, and what a regulator will ask before permissions are granted.
Who we work with
- Banks and licensed deposit-takers
- Electronic money institutions
- Payment institutions and PSPs
- Card issuers and programme managers
- Acquirers and payment facilitators
- Fintechs and digital platforms
- International enterprises
Commercial
Product economics, pricing, distribution and the partnerships that make a proposition viable.
Regulatory
Permissions, obligations and operating models that stand up to institutional and regulatory scrutiny.
Technical
Processing platforms, integration architecture and the realities of running payments in production.
Referral partners
Your connections could be worth more.
Introduce businesses to Futuristech’s advisory, payment software and financial connectivity solutions, and create new revenue opportunities through qualified referrals.
Become a Referral Partner- Financial services advisory
- Issuing processing software
- Acquiring processing software
- Core wallet technology
- Financial connectivity
Qualified B2B introductions · terms agreed per partner
Contact
Let’s talk business.
Tell us what you’re building, what you need to connect or what you’re looking to achieve.
What happens next
- 01Read. Your enquiry is reviewed by someone who works on this commercially, not a sales desk.
- 02Respond. We come back with an initial view and the questions that matter.
- 03Scope. If it fits, we agree the workstreams, team and commercials.