50+ Modules. One Platform.
Paymart Suite is a modular financial platform built on Java EE enterprise technology. From core banking to AI-powered automation — every module you need to run a modern financial institution.
The platform organizes into five functional groups: customer and account management, payments, cards and commerce, compliance and risk, and operations. Each module connects through the same API layer — no silos, no bolted-on integrations. Here's how the groups fit together in practice.
A typical deployment starts with Accounts and Payments. Cards, FX, and Compliance follow as the institution's volume grows. The Flux Engine ties everything together with visual workflow automation — we've seen onboarding cycles drop from 5 days to under 2 hours when institutions replace manual KYC steps with automated flows.
Customer & Account Management
Multi-currency accounts with IBAN generation, KYC/AML onboarding, and full lifecycle management. The core banking layer handles account management, bank statement tracking and reconciliation, auto-loaded currency rates, full loan lifecycle management, group loan responsibility, guarantee issuance, and automated invoicing — all from a single back-office interface.
- Account Management — Multi-currency accounts, commissions, service fees, exchange rates
- Loans Issuing — Full loan lifecycle management with group loan support
- Guarantee & Invoice Issuing — Guarantee issuance and automated invoicing
Payments
Internal transfers, SEPA credit transfers, SWIFT international payments, and incoming external payments all flow through one payment management module. High-volume batch processing handles thousands of payments in a single submission. Counterparty payment requests, recurring payments, and configurable multi-level approval workflows ensure control at every volume level. Cash-in and cash-out modules complete the cash flow management picture.
- Payment Management — Internal, SEPA, SWIFT, incoming external
- Batch Payments — High-volume batch processing
- Multi-level Approval — Adjustable approval workflows
Compliance, Risk & AI Automation
Role-based access control, Web Application Firewall, automated sanctions screening with list updates, and AML/TF/PEP verification — manual and automatic. Transaction limits by amount and frequency. Complete audit trails. The Paymart Flux Engine drives visual workflow automation: dynamic AML/KYC verification flows, OSINT-based client dossiers, real-time anomaly detection, behavioral fraud models, adaptive risk scoring, and automated document-based onboarding. In practice, institutions using the Flux Engine for KYC automation report onboarding cycles dropping from days to hours.
- Security Manager — WAF, access control, audit trails
- Sanction Lists & AML/TF/PEP — Automated screening with updates
- Paymart Flux Engine — Visual workflow automation platform
- Fraud Detection & Risk Scoring — Behavioral and predictive models
Cards & Commerce
Proprietary card generation for POS terminals, EMV card gateway integration, UnifiedPOS for retail, tablet-based payment acceptance, browser-based point of sale, and e-commerce integration. The commerce layer covers everything from physical card-present transactions to online marketplace payments.
- Card Local & External — Proprietary card generation and EMV gateway
- POS / POSWeb / Web POS — Retail, tablet, and browser-based acceptance
- WebShop — E-commerce integration
Channels, Users & Integration
Customers reach the platform through web banking, native Android and iOS apps, SMS banking, and USSD for offline mobile access. Admin and operator management provides role-based control with agent networks and commission-based brokerage. External services connect via WebServices and RESTful APIs.
- Web & Mobile — Full web banking, native Android/iOS, SMS, USSD
- API Connectivity — SOAP and RESTful APIs for all modules
- Member & Admin Management — Registration, roles, agent networks, brokerage
- Messaging & Multilingual — Email, SMS, dynamic translation, RTL/LTR
- External Services & Gateways — WebServices, RESTful, custom fields, Cryptobase
Supported Business Models
One platform, multiple business models. Standard online banking for full retail operations. Crypto wallets for cryptocurrency exchange and storage. Agent networks with commission-based broker management. Fast loans for microfinance and lending. E-commerce for marketplace and classifieds. Loyalty programs with cashback and commission schemes. USSD banking for offline mobile operations. The same core engine powers all of them — the business model is a configuration choice, not a reimplementation.
- Standard Online Banking — Full retail banking
- Crypto Wallets — Cryptocurrency exchange & storage
- Agent Networks & Fast Loans — Brokerage, microfinance, lending
- E-commerce & Loyalty — Marketplace, cashback, commission schemes
Ready to Transform Your Financial Operations?
Choose your deployment model — SaaS, dedicated, or on-premise license. Get started in weeks, not months.