Solutions

Payment Orchestration for the World’s Most Demanding Markets

FinTEM is an innovative platform that enables you to manage your payment processes end-to-end. With advanced subscription management, marketplace solutions, and intelligent routing algorithms, it increases your profitability while reducing operational workload.

Payment

Direct your payment

Adaptive platform enhances provider choices through live data analysis.

Routing

Route your payments

Smart algorithms ensure optimal provider matching based on current data.

Reporting

Financial Reconciliation Engine

Consolidate settlement data from 10+ providers into one unified dashboard. Your finance team gets one reconciliation report — across all regions, all currencies, in real time.

Recurring

Secure Recurring Payments

PCI-DSS Compliant Recurring Billing. FinTEM leverages tokenization technology from our licensed strategic partners, allowing merchants to run subscription and recurring payments without ever storing sensitive cardholder data.

Split

Automated Split Settlements

Ideal for marketplaces and intermediary platforms. At the moment of the transaction, automatically split the payment between the merchant, supplier, and platform fee — and receive one unified reconciliation report.

Instant Multi-Provider Payouts

Complete thousands of
transactions within seconds.

Send withdrawals to your clients in CIS, Africa, and the Middle East — routed automatically to the fastest available local network.

Features

Technologies That Carry Your Business Into the Future

FinTEM’s Smart Routing directs transactions to the best available provider based on: card BIN (country of issue), currency, region, and real-time commission rates. You define the rules; FinTEM executes them instantly.

We assembled a diverse team of global experts committed to user-centered design, delivering impactful solutions. Our remote-first approach gives us a competitive edge, connecting top talent worldwide.

Unlocking High-Growth Markets

FinTEM provides the technical bridge to regions where traditional payment providers fail.

CIS & Central Asia — Seamless integration with localized card schemes and instant transfer networks.

Middle East & Iraq — Direct technical connectivity to emerging digital banking infrastructures and local wallets.

Africa — Access to high-performance mobile money networks and localized collection methods.

Latin America — Integrated support for real-time payment systems (PIX-ready) and regional bank transfers.

Why FinTEM for Forex & High-Growth Platforms?

No Middleman Risk — You contract directly with the banks and PSPs. FinTEM only provides the technical piping. Your funds never pass through us.

Instant Regional Redundancy — If one local gateway fails in Iraq or CIS, your API stays live. We automatically surface the next available provider

Local Intelligence — We know which provider is performing best in each region right now. That knowledge is built into every routing decision.

FAQ

What is the “Direct Merchant Ownership” model?

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.

Which regions and methods do you specialize in?

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.

Is FinTEM a Payment Service Provider (PSP) or a Bank?

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.

Can I set custom limits for each payment provider?

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.

How does your Smart Routing engine work?

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.

How does smart routing work?

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.

How does FinTEM help with Liquidity Management?

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.

Can I automate Payouts or do they require manual approval?

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.

How do you handle Batch Payouts (Withdrawals)?

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.

How does FinTEM simplify end-of-month reconciliation?

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.

How do you ensure data security?

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.

Is the FinTEM Sandbox a true reflection of Live environments?

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.

How fast is the “Time-to-Market” with FinTEM?

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.