Our Acquiring Stack

The complete card and UPI acquiring stack — built, certified, and run by Finstack. From 3D Secure authentication and high-speed authorization to settlement, reconciliation, disputes, and merchant management. Ten modular products. One integration. Deployable in the cloud or entirely within your own infrastructure.

0+
Transactions per Second
0%
Processing accuracy
0
Modular products
0
Single integration

Certified & compliant: PCI-DSS · EMVCo · Visa · Mastercard · RuPay · UPI

3D Secure

EMVCo-aligned cardholder authentication that cuts fraud without adding checkout friction

TokenX

Card tokenization that keeps sensitive data out of your systems.

IntelleWatch

Real-time fraud and risk monitoring across every transaction.

C Switch

High-speed card authorization switching — built for 5,000+ TPS

SwitchX

Unified transaction switching across payment rails through a single integration.

Intelle360

Complete post-authorization processing and reconciliation — end to end, fully automated.

IntelleSettle

Clearing and settlement with real-time merchant payouts.

IntelleSolve

Chargeback and dispute management aligned to network timelines.

Merchant Management

Onboard, configure, and manage your entire merchant portfolio from one console.

VAS

API-based value-added services — DCC, BIN intelligence, and more.

Authentication & Security

Protect every transaction before it’s approved. 3D Secure, TokenX, and IntelleWatch work together to authenticate cardholders, tokenize sensitive data, and screen risk in real time.

Core Features

  • 3D Secure – EMVCo-aligned authentication with frictionless and challenge flows; shifts chargeback liability from merchant to issuer.

  • Higher Approvals – Risk-based authentication approves more legitimate transactions with fewer false declines.

  • TokenX – Replace card data with secure tokens for recurring and one-click payments while reducing PCI scope.

  • IntelleWatch – Real-time fraud screening with a configurable rule engine and velocity checks tuned to your risk appetite.

  • Audit-Ready – Alerts, case management, and complete reporting trails.

Authorization Switching

C Switch and SwitchX route, authorize, and respond in real time across card-present, card-not-present, and UPI transactions — through a single integration.

Core Features

  • C Switch – High-performance card authorization engineered for 5,000+ transactions per second.

  • SwitchX – Unified switching across payment rails with one integration.

  • Intelligent Routing – Smart business logic that maximizes transaction success rates.

  • VAS in the Flow – Layer value-added services directly into authorization.

  • Network Certified – Certified processing across Visa, Mastercard, RuPay, and UPI.

Post-Authorization & Settlement

From capture to payout — Intelle360 and IntelleSettle automate the entire back office of acquiring with 99.999% processing accuracy.

Core Features

  • Intelle360 – Fully automated post-authorization transaction management with multi-way reconciliation across switch, network, bank, and merchant records.

  • IntelleSettle – Automated network clearing files, real-time merchant payouts, and multiple settlement cycles.

  • GL-Accounting – Automated accounting entries mapped to your general ledger and ERP.

  • Transaction Search – Instant lookup and tracing of any transaction across its full lifecycle.

  • Deploy Anywhere – Runs on AWS, Azure, or entirely within your own infrastructure.

Disputes, Merchants & VAS

Close the loop on every transaction — manage chargebacks to network deadlines, run your merchant portfolio, and monetize value-added services.

Core Features

  • IntelleSolve – Full dispute lifecycle from retrieval requests through representment and arbitration, across all major networks.

  • Deadline Automation – Automated tracking, documentation, and liability analysis.

  • Merchant Management – Onboarding, configuration, limits, and portfolio control from a single console.

  • VAS Suite – Dynamic Currency Conversion, BIN intelligence, and API-based add-ons as new revenue streams.

  • Actionable Dashboards – Win rates, ageing, exposure, and portfolio views.

Power Your Business with Finstack’s Full Payment Suite

 

From orchestration to wallets and flexible pay options — one platform, seamless control.