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Services / Payments

Payment systems that clear at scale.

Gateways, PSP integrations, cashless and NFC, settlement and ledgers — engineered to keep clearing when the network drops and the queue grows. The money has to add up, every time.

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How we approach it

Built to clear offline.

Real venues lose connectivity at the worst moment. We design terminals and ledgers that take payment offline, reconcile when the link returns, and never double-charge or lose a cent. Idempotency, append-only ledgers, and reconciliation are the foundation — not an afterthought.

  1. 01Offline-tolerant terminals and top-up
  2. 02Idempotent, append-only ledgers
  3. 03Real-time settlement and reconciliation
  4. 04PCI scope minimised by design

Capabilities

What we build.

  • Payment gateways

    Hosted checkout with cards, wallets and crypto on one page, and one receipt whatever the method.

  • PSP & acquirer integration

    Auth rates by method, settlement batches per acquirer and the dispute queue on one ops surface.

  • Cashless & NFC systems

    Tap terminals that keep reading when the link drops, queuing payments to sync on reconnect.

  • Wristband & card top-up

    Stored-balance wristbands and cards, with offline-tolerant top-up and the tender mix in one closeout.

  • Settlement & ledgers

    Idempotent, append-only ledgers and settlement that lands as one SEPA line, balanced to the cent.

  • Reconciliation & reporting

    Every ledger entry matched against the PSP report, exceptions surfaced down to the duplicate capture.

  • Refunds & chargebacks

    Refunds mapped as a money flow of their own, and a dispute queue with each chargeback's due date.

  • PCI-DSS compliance

    PCI scope minimised by design, keeping the surface that touches card data as small as possible.

In the field

Four more screens from the work.

Real product UI, shown with demo data.

Day-3 closeout: EUR 812,340.50 gross over 86,420 taps, 38 offline taps recovered, one SEPA line to the IBAN — balanced to the cent.
4,182 ledger entries against the PSP report: 4,179 matched, three exceptions, EUR 29.79 unmatched.
Mid-charge on the tap companion: EUR 23.40, link down, still reading — two payments queued to sync on reconnect.
The receipt: method, reference, auth code, batch — confirmed in 184 ms.

How we work

From transaction to settled funds.

  1. 01

    Map

    We map every money flow — happy path, failure, refund — and where it must stay consistent.

  2. 02

    Build

    Gateways, terminals, and ledgers built idempotent and offline-tolerant from the start.

  3. 03

    Prove

    Load tests, chaos on the network, and reconciliation that has to balance to the cent.

  4. 04

    Operate

    Live settlement dashboards and on-call runbooks — handed over or run with you.

Proof

What the work returns.

From a cashless events platform we ran across a three-day festival.

80k

Attendees served

€2.4M

Cleared in 3 days

0

Lost transactions

<200ms

Tap-to-confirm

Products

Payments, productized.

Flagship

One banking core. Any app you can imagine on top.

A whitelabel neo-bank platform — ledger, accounts, cards, and crypto in one core, with an app layer shaped to your brand.

12 products on one core

View casePayments

Cards, wallets, and USDC — one payment page

A hosted checkout that puts every method on the same page, with one receipt and crypto settled to EUR.

Every method, one receipt

View case

Moving money at scale?

Tell us the flows and the volume. We'll come back with a ledger design, an architecture, and a plan.

Contact uscontact@protocore.io