Card programs.Authorized,processed, settled.
Fintologya is the cloud-native issuer processor banks and licensed fintechs use to launch Mastercard card programs across MENA and Africa — with instant virtual card issuance, in-region data residency, and live programs in 4–6 weeks instead of 4–6 quarters.
Everything your card program needs.
From real-time approval to settlement, fraud protection, and operations — every capability your program needs, engineered into a single platform designed for MENA and Africa.
Real-time processing.
Every card transaction authorized, approved, and processed the moment it happens — so cardholders never wait, and your programs never miss revenue.
- Real-time approval on every transaction
- Activate, block, replace, and renew cards instantly
- Multi-currency, multi-program on one engine
- Detailed spend controls by card, program, and category
Instant virtual card issuance
Create a virtual card in milliseconds via a single API call, return the PAN tokenized, and push it straight into Apple Pay, Google Pay, and Samsung Pay — so cardholders can tap to pay the moment you approve them.
Multi-program by design
Host multiple fintech partners on one platform — each with isolated data, its own branding, and dedicated policy rules — all managed from a single console.
Fraud protection, built in
Real-time fraud scoring on every transaction, with proven controls tuned to each program — not a generic rule set applied to everyone.
Settlement & reconciliation
Automated daily settlement, clean reconciliation reports your finance team can actually work with, and structured dispute handling end to end.
Built for your engineering team
Modern REST APIs, real-time event notifications, a full sandbox, and complete documentation — so your developers integrate fast.
Operations console
One workspace for ops, risk, and finance — with real-time transaction search, partner administration, and role-based access.
One workspace for the teams running your programs.
Monitor transactions in real time, manage programs and partners, investigate declines, and resolve disputes — from one workspace designed for ops, risk, and finance teams.
Every tap, swipe, and online payment approved in milliseconds.
A multi-region platform engineered for continuous availability.
From contract signing to your first live transaction in 4–6 weeks.
A predictable platform fee plus per-transaction — no upfront capex.
What you get with Fintologya.
The factors that actually drive program success — speed, cost, control, and compliance — covered from day one.
The team behind Fintologya.
Operators with regulatory, engineering, and payments-infrastructure backgrounds across the region.
Common questions.
What banks and fintechs typically want to know before engaging.
Most programs go live within 4–6 weeks of signing. Our team handles the platform setup, Mastercard certification, and integration support in parallel with your internal readiness — so there is no sequential waiting.
Ready to launch your next card program?
Speak with our team about sponsoring a fintech program, launching a new card product, or migrating from a legacy issuer processor.