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Futuristech

Payment Software

Software for the business of payments.

Technology for issuing, acquiring and digital wallet operations — configured per programme, for institutions that need control over the payment stack, not just access to it.

At a glance

Deployment
Cloud or on-premises
Licensing
Subscription or perpetual
Integration
APIs and message interfaces
Built for
Multi-institution operations

01 — Product

Issuing Processing

Card management, authorisation processing, transaction handling and programme controls.

  • Card and cardholder lifecycle management
  • Authorisation processing and stand-in decisioning
  • Virtual and physical card issuance
  • Programme controls, limits and permissions
Explore Issuing Processing
Authorisation trace
Approved

Amount

£128.40

GBPMCC 5732 · Electronics
card•••• 8842 · debit
programmeConsumer GBP
channelE-commerce · 3DS

Authorisation received

ISO 8583 · auth request

Card and limits validated

Programme controls applied

Stand-in decision

Balance available

Response returned

Approval code issued

Programme controls

Online payments
Contactless
ATM withdrawals

Conceptual interface

02 — Product

Acquiring Processing

Merchant management, transaction processing, gateway and acquiring infrastructure.

  • Merchant onboarding and portfolio management
  • Payment gateway and terminal integration
  • Authorisation, capture and refund processing
  • Clearing, settlement and reconciliation
Explore Acquiring Processing
Merchant portfolioOnboarding

Northbank Retail

MID 4471

Active

Halden Group

MID 4472

Review

Vela Travel

MID 4473

Active

Gateway request

POST /gateway/payments
{
  "merchant": "MID 4471",
  "amount": 6420,
  "currency": "GBP"
}

200 · captured

Settlement position

£482,190

batchT+1
statusscheduled

Conceptual interface

03 — Product

Core Wallet Technology

Account and wallet management, balances, ledger functionality and payment integrations.

  • Multi-currency accounts and wallets
  • Real-time balances and available funds
  • Double-entry ledger with full audit trail
  • Payment integrations and inbound rails
Explore Core Wallet Technology

Wallet balance

£1,284.20

Available

GBP

£1,284.20

EUR

€4,120.00

USD

$0.00

Ledger activity

DateReferenceDebitCreditBalance
12 NovCard purchase · Merchant 5732£42.80£1,284.20
12 NovInbound transfer · GBP£2,000.00£1,327.00
11 NovFX conversion · EUR → GBP£184.62−£673.00
11 NovWallet top-up · Faster Payments£750.00−£857.62

Double-entry posted

Every movement balanced to the ledger

Σ

Conceptual interface

Programme models

Programmes, not a fixed product.

The platform is configured per programme. A direct-to-customer product, an embedded service inside a partner's product and a partner-led programme can each run on the same technology, with their own rules, branding and institutional arrangements.

Product rules, limits, permissions, fee models and reporting are held at programme level, so several programmes can operate on one deployment without sharing configuration or commercial terms.

Where a product needs an authorised institution, the programme is connected to one through Futuristech's connectivity. The platform supplies the technology; the regulated role remains with the institution.

01

Direct-to-customer

B2C

A financial product issued under your own brand and operated by your own team, for customers you acquire directly.

02

Embedded financial services

B2B2C

Products surfaced inside a partner's own product, where the partner holds the customer relationship and the platform sits underneath it.

03

Partner-led programmes

B2B2C

Programmes delivered by platforms, fintechs or distributors to their own customer base, with each party operating its own part of the chain.

Programme profile

configurable
Programme model
Direct · Embedded · Partner-led
Product set
Issuing · Acquiring · Wallets · Transfers
Configuration
Limits, permissions and fees per programme
Branding
Client brand or partner brand
Institutions
Mapped per function and jurisdiction
Reporting
One schema across programmes
Deployment
One platform, isolated programmes

Illustrative · agreed per engagement

A single deployment can carry several programmes, each with its own configuration and institution set

Integration

Interfaces built for institutional technology estates.

Card, account and payment operations are exposed through APIs and message-based interfaces, so the platform can be integrated into existing core banking, channel and back-office systems rather than replacing them wholesale.

  • REST APIs for product and back-office operations
  • ISO 8583 and ISO 20022 message support where required
  • Event and webhook notifications for transaction state
  • Migration and parallel-run support during implementation
API referencev1
POST/v1/cards
GET/v1/cards/{id}
POST/v1/authorisations
{
  "programme": "consumer-gbp",
  "cardholder": {
    "name": "A. Mercier",
    "email": "a@example.com"
  },
  "product": "debit-virtual",
  "controls": {
    "online": true,
    "atm": false
  }
}
201card_createdconceptual

Deployment

Fitted to your operating model.

Whether the platform runs in your environment or ours, the controls, data residency and release model are agreed before implementation begins.

Cloud hosted

Managed deployment with defined availability, release and support terms.

On-premises

Installed within the institution's own infrastructure and change control.

Licensing

Subscription or perpetual licence, depending on procurement and capital treatment.

Software questions.

Issuing ProcessingAcquiring ProcessingCore Wallet Technology

Next step

Discuss the platform with the team.

Tell us what you operate today and what you need the software to do. We will come back with a considered technical view.

Start a conversationmore@futuristech.co.uk