Track
Real-Time Transaction Visibility
Monitor transactions, gateways, and processor activity in real time across all connected MIDs and payment providers.
Enterprise Service Provider
Automated Routing Localized Success. One API.
Connect your CRM to global PSPs and banking rails through a single, secure API. Optimize routing, reduce failed transactions, and scale into emerging markets without technical debt.
We streamline your
Payment
processes into one powerful system. We navigate the complexities, so you can concentrate on expanding your
Business
, lead to better
Integration
and empower businesses to explore new markets.
Features
Our TEM Orchestration Core
FinTEM is built around a simple model — Track, Evaluate and Manage payment flows across all connected providers.
Evaluate
Smart Performance Analysis and Routing
AI-driven routing to the best performing PSP. Optimise your success rate with every transaction.
Manage
Centralized Payment Control
Unified Control Panel. Connect your own MIDs and Gateways. You stay in control of your accounts.
Insight
Coming Soon
Consolidated Financial Intelligence
Stop managing 10 separate reports. FinTEM unifies all your settlements, balances, and transaction data into one real-time BI dashboard. Analyse profit, fees, and approval rates per region — in local and base currencies.
Global Frontier Access
Why Africa & Emerging Markets?
Operating Complex Business Models in Africa & CIS FinTEM provides direct technical orchestration into the world’s fastest‑growing digital economies — built for high‑volume merchants and complex operational structures.
Our local routing intelligence ensures maximized approval rates, regional redundancy, and cost‑efficient payment flows across frontier markets.
Africa
Specialized African Gateway
Seamless connectivity to high‑performance local methods and infrastructures across Africa — built for high‑volume operations.
CIS
The CIS Powerhouse
Complex Business Models & High-Volume Merchants
Achieve higher approval rates in Africa and CIS with localized routing logic that traditional gateways ignore
Local Methods
Instant Local Liquidity
Bridging Technical Precision with Local Expertise. We understand the local banking infrastructure in Africa, CIS, and the Middle East so you don’t have to deal with the bureaucracy.
TEM Routing
Proven Scalability
We manage transaction flows, track approval rates, and evaluate optimal routes in real time to ensure uninterrupted operations.
Development
Built for High-Growth
Built for High-Growth
Engineering Teams
Connect once to FinTEM’s API.
Add or remove PSPs at any time without changing your code
or accumulating technical debt.
Test our APIs
Sandbox Environment
Modern REST API
Webhook Events
Multi-Language SDKs
Global Collaboration
Zero-Maintenance Integration
Proof
Processing for High-Growth Enterprises
Processing for High-Growth Enterprises
in CIS & Africa
A Forex brokerage using FinTEM’s orchestration increased their transaction approval rate by 22%
0
Platform Uptime
0
Countries Served
0
Regional PSPs Connected
FAQ
We believe in 100% transparency. Unlike traditional aggregators, FinTEM facilitates direct introductions to regional PSPs. You sign the contract directly with the licensed provider, ensuring you have full legal and financial ownership of your funds. FinTEM remains your unified technical interface.
While we support global card processing through partners like SolidPayment, our core expertise lies in Emerging Markets. We provide redundant technical connectivity to local banking rails, mobile money, and regional wallets in Iraq, the CIS region, Africa, and Latin America.
No. FinTEM is a Technical Orchestration Platform and infrastructure provider. We provide the software layer and API connectivity that bridges your CRM to multiple licensed PSPs and banks globally. We do not hold, manage, or move funds; we provide the “technical piping” for your financial operations.
Yes. Our Programmable Flow Engine allows you to define Min/Max transaction thresholds for each PSP. This ensures that transactions are always routed to the most cost-effective provider based on the ticket size and regional availability.
Our logic engine is split into two specialized flows:
- Global Cards: We leverage the advanced routing and cascading power of global leaders like SolidPayment.
Local Rails & Payouts: For regional methods, FinTEM dynamically routes transactions based on provider health, success rates, and your custom business rules. If one local provider is down, you can instantly switch to a backup without changing a single line of code.
Our smart routing engine automatically evaluates each transaction based on parameters such as region (for example CIS, Turkey, or Africa), currency, and historical success rates.
It then directs the payment to the most optimal provider in real time to maximize authorization rates.
Our dashboard provides Real-time Liquidity Reporting per region. Before approving a payout, you can see the projected remaining balance in that specific provider. If a payout exceeds the available liquidity in a region (e.g., Iraq), the system triggers an alert to prevent failed transactions.
FinTEM supports a Hybrid Approval Workflow. You can configure specific “Flows” where small, low-risk payouts are processed automatically, while larger transactions (above your defined threshold) require a manual “Maker-Checker” approval to prevent unauthorized outflows.
Payout orchestration is one of our strongest features. You can trigger thousands of withdrawal requests via a single API call. To ensure maximum security, every payout enters a Pending state in your dashboard for review. Your finance team receives Instant Notifications (via Webhooks, Email, or Telegram) the moment a request requires action.
FinTEM provides a Unified Reporting Engine. Instead of downloading dozens of different CSV files from various regional providers, you get one standardized report with normalized data. This allows your finance team to reconcile all global and local flows in minutes, regardless of the currency or provider used.
We follow a PCI-DSS Scope Reduction model. By using secure redirection (HPP) via our licensed partners, sensitive cardholder data (Full PAN/CVV) never enters or resides on FinTEM servers. All metadata is encrypted using AES-256 and TLS 1.2+ on AWS-secured infrastructure.
Yes. We provide a Mirror Sandbox that simulates the exact behaviors, response codes, and callbacks of our regional partners (like FIB). This allows your team to test real-world edge cases, including network timeouts, provider-specific error codes, and maintenance windows, before going live.
We offer Technical Readiness in 24 to 48 hours. While administrative onboarding and KYC with regional banks vary by provider, our unified API allows your dev team to complete the full technical integration for multiple markets in a single weekend.