Payment states matter
Authorization is not settlement. We keep those states distinct in the software and the information your team sees.
FINTECH SOFTWARE ENGINEERING • PAYMENTS • APPLIED AI
Software for
payments, wallets
and finance.
MasPearls builds payment gateways, wallet applications, card issuing software and financial operations tools. We also develop AI-assisted workflows for teams working with transaction and customer data.
Fintech Engineering. Intelligent by Design.
THE CONNECTED FINANCIAL PLATFORM
PaymentsAccept & orchestrate
WalletsAccounts & balances
mp
Fintech engineeringConnected by design
CardsIssue & manage
Financial operationsReconcile & understand
AI assistance for your teamSource records and human review.
APPLIED AIBUILT AROUND FINANCE
Software across the payment lifecycle.
Explore the systems we can help you build, from customer onboarding to settlement.
HOW WE CAN HELP
Custom development,
products and applied AI.
Start with a specific integration, a new product or an existing platform that needs work.
01 / ENGINEERCustom fintech
Our own
AI for financial
Custom fintech
engineering.
Build and modernize the systems behind your financial products.
02 / BUILDOur own
fintech products.
MerchantPaisa for payment operations and KYC@MasPearls for verification workflows.
03 / APPLYAI for financial
operations.
Help your team search records, investigate exceptions and prepare answers for review.
WHAT WE BUILD
What does your
platform need to do?
01
Payments & acquiring
From checkout to settlement: payment acceptance, orchestration, and acquiring connectivity.
Explore solution02
Digital wallets & accounts
Account applications, balances, transfers and ledger integrations.
Explore solution03
Card issuing technology
Virtual and physical card journeys, processor connections, and lifecycle controls.
Explore solution04
Remittance & cross-border
Transfer workflows, FX configuration, payout integrations, and transaction tracking.
Explore solution05
Lending, BNPL & embedded finance
Loan applications, lender integrations, repayment schedules and BNPL workflows.
Explore solution06
Onboarding & compliance technology
KYC/KYB connectivity, screening workflows, case management, and audit trails.
Explore solutionTools for the teams behind each payment.
Reconciliation, settlement, exception handling, and financial reporting.
OUR FLAGSHIP PRODUCT
The platform behind
your payment business.
MerchantPaisa separates day-to-day management from payment execution. Its portal, management API and acquirer solution each handle a different part of the payment business.
Explore MerchantPaisaMeet the three componentsMerchantPaisa / Management PortalILLUSTRATIVE
OPERATIONS WORKSPACE
SAPayment operations overview
Payment activity2,486Synthetic records
Matched records2,462Illustrative overview
For review24Example exceptions
Payment activitySample period
Recent settlement recordsSample data
SET-1042Sample Merchant AReview
SET-1044Sample Merchant CMatched
- OperateManagement Portal
- ControlManagement API
- ExecuteAcquirer Solution
- ConnectSupported Providers
Management access and payment execution have distinct responsibilities. Provider connectivity and availability are confirmed during solution scoping.
APPLIED AI & AUTOMATION
Find the records.
Understand
the exception.
When a settlement does not match, your team needs to know what happened. AI can help find the relevant records and explain the difference, with a person checking the answer.
- Ask questions over authorized transaction records
- Investigate reconciliation and settlement exceptions
- Support merchants with context and a human handoff
These are custom-development examples. We agree the data access, review steps and scope with your team.
Operations assistantScripted preview · synthetic records
Read onlyWhich settlement exceptions need review?
Two records need attention. Here’s what the sample data shows:
01
SET-1042 · Amount mismatch
Expected USD 1,250.00; received USD 1,200.00. Difference: USD 50.00. Review the provider statement and fee breakdown.
02
SET-1043 · Awaiting statement
Expected USD 840.00. Received amount is unknown. Confirm the provider cutoff and request the missing statement.
No financial records changed. Evidence: sample records below.
Inspect the 3 sample records
| Record | Expected USD | Received USD | Status |
|---|---|---|---|
| SET-1042 | 1250.00 | 1200.00 | Amount mismatch |
| SET-1043 | 840.00 | Unknown | Awaiting statement |
| SET-1044 | 620.00 | 620.00 | Matched |
A fixed demonstration, not a live AI service. Answers are based only on these three records.
WHY MASPEARLS
We understand what
happens after “pay”.
A payment can succeed at checkout and still need attention later. We consider the customer experience, provider responses and financial records together.
Get to know MasPearlsWe develop our own products
Alongside client work, we develop MerchantPaisa and KYC@MasPearls.
Plan for provider failures
We work through timeouts, duplicate requests and unclear provider responses before they become production problems.
Support after release
We can help with deployment, maintenance and ongoing changes. Support responsibilities are agreed as part of the project.
SELECTED WORK
A selection of
our project work.
Financial technology
Digital card issuing
Web and mobile software for customers accessing virtual and physical cards.
Financial technology
Lending application platform
A web and mobile platform where SMEs can explore lender offers and apply for financing.
Financial technology
Remittance application
A customer application for sending money to a beneficiary abroad.
Client names are withheld to respect confidentiality.
INSIGHTS & MEDIA
Read the articles.
Watch the interview.
ENGINEERING & DELIVERY
How we take a project
from planning to release.
We agree what to build, connect it to your systems, test the difficult cases and plan the handover.
- 01
Discover & define
We agree the users, requirements, provider responsibilities and architecture.
- 02
Build & integrate
We build in stages, connecting the screens, APIs and external systems.
- 03
Test & review
We test integrations and failure cases, review security and support user acceptance testing.
- 04
Launch & evolve
We plan deployment and handover, then agree any maintenance and ongoing support.
TELL US WHAT YOU NEED
What are you
working on?
Tell us what you want to build or improve, what is already in place and where you need help.