/// 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.

/// 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.

[ 01 ]Offline-tolerant terminals and top-up
[ 02 ]Idempotent, append-only ledgers
[ 03 ]Real-time settlement and reconciliation
[ 04 ]PCI scope minimised by design

/// Capabilities

What we build.

Payment gateways
PSP & acquirer integration
Cashless & NFC systems
Wristband & card top-up
Settlement & ledgers
Reconciliation & reporting
Refunds & chargebacks
PCI-DSS compliance

/// In the field

Browser window showing a payments operations dashboard for the fictional merchant platform Velta Market: a KPI strip with EUR 184,502.19 captured today, 97.7% blended auth rate, 3 settlement batches and 7 open disputes; auth-rate meters by method for cards, wallets, SEPA Instant and stored balance; a dispute queue listing chargeback cases with amounts and due dates; and a settlement batch table with acquirer, cutoff, gross, fees, net and settled or in-transit status. — 97.7% blended auth across 25,004 attempts, three settlement batches, seven disputes open — one ops surface.

Browser window showing a cashless festival closeout console for day 3: gross captured of EUR 812,340.50, a tender-mix bar split wristband, card and app balance, deduction rows for refunds and platform fee, a net payout of EUR 796,378.11 sent by SEPA credit transfer to a masked IBAN with a green sent status, and a per-terminal totals table with taps, offline tap counts and gross per location. — 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.

iPhone screen of an NFC tap-to-pay companion app mid-charge at a festival bar: a EUR 23.40 charge for tab 08827, an NFC target square with the hint to hold a card or wristband to the top of the phone, a green reading status, an offline-mode notice showing two payments queued to sync on reconnect, and a cancel charge button. — Mid-charge on the tap companion: EUR 23.40, link down, still reading — two payments queued to sync on reconnect.

Browser window showing a reconciliation ledger: KPI strip with 4,182 ledger entries, 4,179 matched at 99.93%, 3 exceptions and EUR 29.79 unmatched value, above a table comparing PSP and ledger amounts per reference and method, with matched rows showing zero delta and highlighted exception rows for an amount mismatch, a missing ledger entry and a duplicate capture. — 4,182 ledger entries against the PSP report: 4,179 matched, three exceptions, EUR 29.79 unmatched.

iPhone screen of a payment receipt: a green check tile with payment complete, EUR 23.40 confirmed in 184 ms, and a detail list showing card ending 4417 contactless, reference LW3-T014-08827, auth code, terminal, day batch and included VAT, with email receipt and save PDF buttons and a powered by Protocore footer. — The receipt: method, reference, auth code, batch — confirmed in 184 ms.

/// How we work

From transaction to settled funds.

[ 01 ]
Map
We map every money flow — happy path, failure, refund — and where it must stay consistent.
[ 02 ]
Build
Gateways, terminals, and ledgers built idempotent and offline-tolerant from the start.
[ 03 ]
Prove
Load tests, chaos on the network, and reconciliation that has to balance to the cent.
[ 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

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 coreView case

Payments

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 receiptView 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.