Skip to content
Futuristech

Financial Connectivity

One connection. More possibilities.

Connect to issuers, acquirers and financial institutions through a unified platform. Access the financial infrastructure to build your products, launch payment services and expand into new markets.

Discuss a connection

The model

Integration
One platform interface
Services
Issuing, acquiring, wallets, payments
Institutions
Under individual agreements
Scope
Confirmed per engagement
Customer application
POST /v1/accounts202

Futuristech Connectivity

Unified platform

Normalise
Route
Reconcile
Report

Card issuing

Issuer & processor connectivity

Merchant acquiring

Acquirer & gateway connectivity

Accounts & wallets

Account-holding connectivity

Payments & transfers

Payment rail connectivity

Conceptual architecture · availability subject to commercial and regulatory arrangements

A customer application integrates with the Futuristech connectivity platform. The platform maps each request to the institution that provides the service, and returns a consistent response — so your product is not rebuilt each time a provider changes.

Operating model

A layer between your product and the institutions.

Financial infrastructure is fragmented by institution, jurisdiction and message standard. The platform absorbs that variation so your team integrates once and operates consistently.

01

One interface

Your application uses a single set of endpoints for accounts, cards and payments, with consistent objects and statuses.

02

Institution mapping

Requests are translated to each institution's product set and message standard, including scheme and rail requirements.

03

Operational visibility

Status, references and reconciliation data are returned in a single format, so operations are not chasing providers.

Service categories

Four categories. One commercial relationship.

Card Issuing

01

Programme set-up, card creation and authorisation processing delivered through connected issuing institutions.

  • Programme configuration
  • Card lifecycle
  • Authorisation handling

Merchant Acquiring

02

Acceptance and settlement capability for platforms bringing payments into their product or merchant base.

  • Merchant onboarding
  • Acceptance channels
  • Settlement cycles

Accounts & Wallets

03

Customer accounts and balances held by appropriately authorised institutions, accessed through one interface.

  • Account opening
  • Balances and holds
  • Ledger reporting

Payments & Transfers

04

Inbound collection and outbound payment flows, including domestic and cross-border movement of funds.

  • Collection flows
  • Payouts
  • Status and reconciliation

Programme connectivity

The programme determines the institutions.

A card programme needs an issuer. Acceptance needs an acquirer. Wallets need an account provider. The platform connects each function to an institution able to provide it — for a direct product, an embedded service or a partner-led programme.

Cards and issuing

Issuer or programme manager

Programme and card operations, authorisation routing, controls

Issuing permissions, BIN sponsorship, product terms

Acceptance

Acquirer or processor

Merchant onboarding, capture and refund flows, settlement reporting

Acquiring, scheme membership, settlement of funds

Wallets and accounts

Bank or e-money institution

Account objects, balances, holds, ledger reporting

Account of record, safeguarding, own permissions

Payments and transfers

Payment provider or scheme

Initiation, status and reconciliation across rails

Clearing, settlement, scheme access

Programmes usually combine several functions — a card product with a wallet and outbound transfers, for example. Each function connects to its own institution, and the platform presents them through one interface with consistent status and reconciliation. Futuristech supplies technology and connectivity; regulated activities remain with appropriately authorised institutions and are agreed with them before launch.

Integration approach

Integrate once. Extend as the relationship grows.

Onboarding begins with the services you need today. The same integration surface is used as additional institutions or service categories are added, so expansion does not mean a new build.

  1. 01Scope the product and the institutions involved
  2. 02Agree commercial and regulatory terms with each institution
  3. 03Integrate against the unified interface
  4. 04Operate with shared status and reconciliation data
Unified requestconnectivity
POST /connect/v1/payments
{
  "service": "card-issuing",
  "institution": "selected-at-onboarding",
  "request": {
    "type": "card.create",
    "currency": "GBP",
    "programme": "consumer"
  }
}
one integration·institution-specific mapping handled by the platform

Use cases

Where connectivity earns its place.

Platform payments

Add acceptance or payouts to a software platform without building a payments function.

Card programme launch

Reach issuing capability through a connected institution rather than a new licence.

Market expansion

Extend a proposition into a new market using local institutional connectivity.

Product extension

Add wallets, accounts or transfers alongside an existing payment product.

Availability

Clear about what is live.

Connectivity is delivered per engagement rather than as a single public product. This table separates what is delivered today from what depends on institution agreements and what remains on the roadmap.

Unified integration layerSingle API surface for accounts, cards and paymentsCore
Card issuing connectivityProgramme and processing access through issuer institutionsBy agreement
Merchant acquiring connectivityAcceptance and settlement through acquiring institutionsBy agreement
Accounts & wallets connectivityAccount-holding capability through authorised institutionsBy agreement
Payments & transfersInbound and outbound flows through payment providersBy agreement
Multi-institution orchestrationAutomated routing across several providersRoadmap

Indicative only. Specific capabilities are confirmed in writing during scoping and depend on jurisdiction, institution and regulatory arrangements.

Connectivity questions.

Next step

Map the connection you need.

Tell us the service, the market and the institutions involved. We will set out the realistic route and what it takes to operate it.

Start a conversationmore@futuristech.co.uk