payments fintech

Driving Measurable Impact in Fintech and Payments

80+

Payments Programs Delivered

5,500+

Workforce Across BFSI

20+

Accelerators & Frameworks

6

Day-0 Products & GTMs Enabled

Who we are for fintech and payments

Engineering payments' next advantage from rails to risk.

Instant rails, embedded finance and AI-led compliance are rewriting what "modern" means every year. Altimetrik partners with banks, payment processors, networks and fintech innovators to build, run, modernize and accelerate the platforms behind that shift, from authorization and settlement to compliance, fraud prevention and reconciliation.

Our practitioners come from the industry. That depth shows up in every engagement, from the first discovery sprint to a production platform running millions of transactions a day.

We deliver value across the full engagement, from the rails transactions run on to the products and controls built on top of them:

Modernizing core rails

with event-driven, cloud-native payment processing and ISO 20022 migration

Launching fintech products

such as issuing, lending and embedded payment APIs at Day-0 speed

Strengthening trust

with AML, fraud detection and policy engines built into every transaction

Industrializing AI

so reconciliation, onboarding and release cycles get faster every quarter

Talk to our Fintech and payments experts

Deep Domain Expertise

Our Capabilities & Offerings

Coverage spans the full payments value chain, from issuing and acceptance to switching, settlement, lending, regtech and embedded finance. We do not generalize, we specialize.

KYC/KYB & onboarding

Card issuance (debit/credit/virtual)

POS & mPOS engineering

Omni-channel checkout

Wallets & stored-value

Event-driven payment processor

Network gateway & third-party processor integration

Routing, retries, orchestration

Tokenization (network & vault)

ACH / Wires / RTP / RTGS / SEPA

Open Banking APIs (payments & cards)

Cross-border & FX routing

Reconciliation & nostro mgmt.

ISO 20022 as canonical format (MT→MX migration)

Disputes & chargebacks

Payment intelligence / analytics

Consumer & SMB lending

Mortgage securitization

Underwriting & credit decisioning

BNPL & instalment products

Portfolio analytics & risk scoring

AML / OFAC / sanctions screening

Custom Policy Engine (AI)

Digital onboarding (retail & SMB)

Document understanding (AI/OCR)

Continuous controls monitoring

Embedded payments & lending APIs

Banking-as-a-Service

Wealth onboarding & analytics

Open banking / data sharing

Loyalty, offers, rewards

Talk to our experts

Case Studies

Payments Fintech engagements.

PAYMENTS & FINTECH

Quality Engineering

Global Payments Provider Achieves 100% APAC Regulatory Compliance Ahead of Deadline with Zero Production Defects

PAYMENTS & FINTECH · Quality Engineering

PAYMENTS & FINTECH

A Global FinTech Achieves a 90% First Contact Resolution Rate with a Unified Salesforce Service Cloud Platform

PAYMENTS & FINTECH · Salesforce

PAYMENTS & FINTECH

Platform Modernization

A Silicon Valley FinTech Startup Reaches MVP in 90 Days with a Scalable Platform Built for 100 Million Users

PAYMENTS & FINTECH · Platform Modernization

PAYMENTS & FINTECH

Platform Modernization

A Government Payments Regulatory Agency Cuts Costs 40% and Triples Scalability with a Secure, Event-Driven Payments Platform

PAYMENTS & FINTECH · Platform Modernization

PAYMENTS & FINTECH

A Global FinTech Achieves a 90% First Contact Resolution Rate with a Unified Salesforce Service Cloud Platform

PAYMENTS & FINTECH · Salesforce

PAYMENTS & FINTECH

Data & Machine Learning

A FinTech Unicorn Increases Revenue and Cuts Model Development Time 70% with a New Machine Learning Data Lake

PAYMENTS & FINTECH · Data & Machine Learning

AI Operating Model

Build What's Next in AI for Fintech and Payments

We build the unified data and AI layer underneath payments, lending, compliance and the transaction lifecycle on ALTi AIOS, our enterprise AI operating system. This is applied to the decisions that actually run fintech and payments: what to authorize, where risk lives, how to reconcile, and when to intervene.

Agentic AI & Automation

Agentic AI and intelligent automation continuously reconcile general ledger accounts across products, catching exceptions early and accelerating close cycles for finance operations teams.

Reconciliation · Agentic AI · Finance Ops

AI Fuzzy-Match Recon for Payments

ML-driven fuzzy matching reconciles issuer, TMC and merchant transaction data at scale, resolving settlement breaks faster and with far less manual effort than rules-based matching alone.

Settlement · ML Matching · Scale

AI-Enabled Client Onboarding

Document understanding and AI-OCR turn manual KYC document review into a guided, largely automated workflow, moving clients from application to approval faster.

Onboarding · AI-OCR · KYC

AI-Driven Fraud & AML Detection

Real-time anomaly detection paired with agentic case management flags suspicious activity across cards, account-to-account transfers and disputes, helping teams stop fraud earlier and resolve cases faster.

Fraud · AML · Case Management

Custom Policy Engine (RegTech)

An AI-driven policy engine ingests changing regulatory data and produces audited recommendations, keeping compliance teams ahead of shifting rules instead of reacting to them.

RegTech · Policy Engine · Compliance

Agentic Payment Authorization

Agents search, authorize and execute payments within defined mandates and human-in-the-loop controls, extending automation to decisions that used to require manual sign-off.

Payments · Agentic AI · Human-in-the-Loop

Discover How We Engineer Intelligence

Contact Our AI-Experts

Technology Partners

We build on the platforms your business already runs, combining Altimetrik's engineering depth with best-in-class technology partners to deliver faster, more durable outcomes.

Why Altimetrik

AI-first by design

AI embedded across the SDLC, operations and product, not bolted on.

Product mindset, engineering rigor

Outcome-led pods that have shipped 6 Day-0 products and 4 unicorn launches.

Deep fintech & payments DNA

5,500+ practitioners, 80+ payments programs delivered across BFSI.

Standards-first integrator

Native expertise across ISO 20022, PCI-DSS, PSD2/SCA and Open Banking.

Resources and Insights

Thinking from the practice

Perspectives from Altimetrik's Fintech and Payments practitioners on real-time rails, compliance and AI in the payments stack.

The Role and Benefits of Payment Hubs in Streamlining Real-Time Transactions

Payment hubs are centralized systems that streamline the processing of various payment methods. With the advent of real-time payments, payment hubs have become crucial in facilitating instant transactions between banks and merchants.

Vikas Krishan on the Future of AI-Driven Payments

Finance Derivative features an exclusive byline by Vikas Krishan, Chief Digital Business Officer and Head of UK & EMEA at Altimetrik, exploring how AI is revolutionising legacy payment infrastructure.

The Regional Bank Modernization Agenda

Banks are spending more on AI than ever, and most of that spend is showing up in the numbers. Very little of it is in production. The bulk of the technology budget still goes to keeping the legacy core and everything wired into it running.

Contact Our Insight

Contact Us

We'd love to hear from you.