The Physical Estate
One stack, every form factor.
One codebase. Every channel. Three deployment models. Live in production across five countries.
Unified Channels
CenterFirst unifies the entire acquiring estate behind a single integration — so a bank launches every channel at once, not one project at a time.
Full-featured Android smart POS, mini POS and phone-as-terminal SoftPOS — one merchant onboarding, one settlement engine behind them all.
Online acquiring with tokenisation, routing and a <1% decline rate across 8M+ transactions a month.
Static and dynamic QR, soundboxes, kiosks and standees — the low-cost estate that brings small merchants onto formal rails.
Cash-in / cash-out at the last mile, extending bank reach where branches and ATMs don't go.
Biometric-authenticated payments for markets where identity rails are the foundation of financial inclusion.
Full-stack acquiring underneath: switching, clearing and settlement — not just a gateway layer on someone else's infrastructure.
The Physical Estate
Platform Modules
CenterFirst ships with the full operational estate around the switch — with our own BIN for processing — so banks and PSPs run the entire acquiring business, not just transactions.
KYC and risk-checked merchant, customer and partner onboarding — from application to live terminal without paper.
Universal Terminal Management System across the whole estate — POS, SoftPOS, QR devices and kiosks, remotely provisioned and monitored.
Online and offline fraud risk management built into the transaction path, tuned per market and per scheme.
Online settlement, payouts, refunds, chargebacks and four-way reconciliation — the back office, automated.
Merchant and central wallet management with loyalty and VAS rails ready to switch on.
Admin, merchant and sales applications — web and mobile — so every stakeholder operates from live data.
Bank & Acquirer Console
Volume, approval rates, channel mix, live transactions, settlement and risk, by tenant, by channel and by merchant, in real time.
| Time | Merchant | Channel | Scheme | Amount | Result |
|---|---|---|---|---|---|
| 10:14:08 | Fresh Mart #22 | POS | Visa | $42.80 | Approved |
| 10:14:07 | City Pharmacy | QR | UPI | $6.15 | Approved |
| 10:14:05 | Nova Electronics | Gateway | Mastercard | $389.00 | 3DS challenge |
| 10:14:03 | Café Aroma | SoftPOS | Amex | $12.40 | Approved |
| 10:14:02 | Metro Fuel 118 | POS | RuPay | $65.00 | Declined · funds |
| 10:14:00 | Village Kirana | Micro ATM | Debit | $20.00 | Cash out |
Every authorization, challenge and decline as it happens, down to scheme and response code.
Batch cut-offs, reconciliation exceptions and chargebacks tracked in a single workflow.
Fraud rules and alerts run next to the switch, not in a separate system.
Merchant Mobile App
A white-label merchant app for banks and PSPs: tap-to-pay on the phone, QR and payment links, live sales and settlement visibility.
Takings by hour and by payment method, updated in real time.
Accept contactless cards on an ordinary Android phone.
Know exactly what lands in the bank, and when.
Architecture
Modular services with continuous delivery — new schemes, rails and features ship in weeks, not release cycles.
Kafka streaming with Debezium CDC keeps every module — and every regulator report — consistent in real time.
ClickHouse and Superset power merchant, bank and scheme analytics out of the box.
Proof in production: a leading GCC Islamic bank went live with three card schemes in under six months — against a 12–18-month industry standard.
Deployment Models
FLAGSHIP
Payment-Infrastructure-as-a-Service — fully hosted and operated by RuPayment, recurring by design. The fastest route from decision to live acquiring.
HYBRID
Deployed in your environment, operated by our team — for institutions with data-residency mandates that still want a partner running the stack.
SOVEREIGN
Full platform license for banks and processors that want to own and operate the stack in-house, with RuPayment behind them on upgrades and certifications.
Certifications & Compliance
Card networks, GCC sovereign rails, security and quality — each one a year-plus of regulator engagement, already done.
| Category | Certifications |
|---|---|
| Card Networks | Visa · Mastercard · American Express · RuPay · UnionPay · Discover · Diners Club — direct scheme certifications for issuing & acquiring |
| Sovereign Rails | OmanNet (Oman) · Jaywan & Aani (UAE) · QPay / NAPS (Qatar) · UPI & NFS (India) |
| Security | PCI DSS Level 1 Service Provider · ISO 27001 · CERT-In empanelled · Cloud Security Alliance |
| Quality | ISO 9001:2015 certified processes across development and operations |
First in-country third-party processor in Oman — live since 2023.
Beyond Payments
Virtual power plants and EV charging networks are payment businesses too. Both run settlement, payouts and customer billing on CenterFirst.
Aggregate batteries, solar, EV chargers and flexible loads into one fleet. Dispatch it into grid programs and markets, and pay every participant automatically.
Charge point management, driver and fleet CRM, every payment method, smart energy management and a branded driver app, on one platform.
Tell us your market, your regulator and your timeline — we'll show you the fastest certified route to live.
Talk to Our Team