Can you support a Digital Payment Token Service license application?

We build the technical infrastructure and controls typically reviewed in a DPT license application, working alongside your Singapore regulatory counsel.

Can you reduce our transaction decline rate?

Yes, through smart PSP routing, retry logic, and performance analytics — clients typically see decline rates fall by more than half within the first few months.

How does automated reconciliation work with our existing PSPs?

We ingest settlement files from each PSP and match them automatically against your internal ledger, so your finance team only reviews genuine exceptions.

Do you integrate crypto payment rails alongside our existing card and bank rails?

Yes, crypto on/off-ramp providers are integrated behind the same orchestration and checkout layer as your traditional rails.

Is your architecture PCI DSS aligned?

Yes, we architect around tokenization and PCI DSS-aligned data handling so sensitive card data is minimized across your systems.

Payments & PSPs · Singapore

Payments & PSPs Software Development in Singapore

Payment service providers and platforms handling multi-rail, multi-currency transactions need orchestration, reconciliation, and fraud controls that scale across markets without manual overhead. In Singapore, that means building to the expectations of High-Value Regulated Markets: Digital payment token services and other payment activities are regulated under Singapore's Payment Services Act, overseen by MAS.

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Singapore Regulatory Landscape

What payments & psps businesses in Singapore need to know

Digital payment token services and other payment activities are regulated under Singapore's Payment Services Act, overseen by MAS.
MAS technology risk management guidelines shape expectations around system resilience, access control, and incident response.
Cross-border payment and remittance platforms are expected to demonstrate strong AML/CFT transaction monitoring.
We build to these technical and resilience expectations, alongside your MAS licensing counsel.

This information is provided for general orientation only and is not legal or licensing advice. Always confirm current requirements with qualified local counsel.

The Challenge

What payments & psps operators struggle with

Silent revenue loss from declines

Poor PSP routing and retry logic quietly loses revenue on every failed or declined transaction, often invisibly to finance teams.

Manual reconciliation overhead

Finance teams spend days each month manually matching PSP settlement files against internal ledgers instead of managing exceptions.

Fraud losses outpacing static rules

Rule-based fraud engines can't adapt fast enough to evolving attack patterns, driving up both chargebacks and false positives.

No single view across PSPs

Running multiple PSPs without a central orchestration layer makes routing decisions, reporting, and risk management inconsistent market to market.

Our Approach

How we support payments & psps in Singapore

Payment orchestration & smart routing

Multi-PSP routing based on cost, success rate, and geography with automated failover, cutting decline rates measurably.

Automated reconciliation

Ledger-matching engines ingest PSP settlement files and reconcile automatically, surfacing only genuine exceptions.

AI-driven fraud detection

Hybrid ML and rules risk scoring layered on existing controls, reducing losses while cutting false positives that slow down good customers.

Crypto on/off-ramp integration

Fiat-to-crypto rails integrated alongside card and bank transfer rails behind a single API.

PCI DSS-aligned architecture

Tokenization and secure architecture review keep sensitive card data out of systems that don't need to touch it.

Relevant Services

Engineering practices for this industry

Payments

Payment Gateway & PSP Integration Services

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AI & Automation

AI Fraud Detection & Intelligent Automation

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API & Platform

API Integration & Open Banking Engineering

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FAQ

Payments & PSPs in Singapore — FAQ

Yes, our architecture and security practices are designed around the resilience, access control, and incident response expectations common to MAS TRM guidelines.