SPARK ACQUIRING SUITE

  • End-to-End Acquiring, Fully Owned

    A single acquiring platform covering merchant management, switching, fraud, disputes, and settlement eliminating fragmentation and integration risk.

  • Omnichannel by Design

    POS, SoftPOS, and e-commerce are natively unified within one acquiring architecture, ensuring consistent performance and simplified multi-market operations.

  • Built for Scale and Regulation

    PCI-aligned, scheme-compliant, and engineered for high volumes, SPARK Acquiring enables secure and resilient growth in regulated environments.

Acquirers and financial institutions face fragmented acquiring infrastructures, siloed merchant and risk management systems, and rising regulatory demands that slow innovation, increase operational complexity, and erode profitability across channels.

  • Built as a secure, PCI-aligned and intelligence-driven solution, SPARK Acquiring delivers end-to-end acquiring capabilities from merchant onboarding and real-time transaction switching to integrated fraud prevention, dispute management, and automated clearing and settlement within a resilient, compliant, and high-performance architecture aligned with international payment standards.

End-to-End Acquiring performance, control, and revenue protection

  • Unified omnichannel acquiring

    Manage POS, SoftPOS, and e-commerce acquiring within a single platform, ensuring consistent processing, routing, and settlement across all channels.

  • Operational efficiency by design

    Automate merchant management, switching, dispute handling, fraud prevention, and settlement to reduce manual processes and operational overhead.

  • Risk and revenue protection

    Limit fraud exposure, chargebacks, and revenue leakage through integrated fraud prevention, compliant dispute workflows, and accurate clearing and settlement.

SPARK Merchant Management

Centralized Merchant and POS Lifecycle Management for Scalable Operational Control

The SPARK merchant Management is a centralized module within the SPARK Acquiring suite that enables banks to efficiently manage merchants and payment terminals across the entire POS lifecycle.

  • Full visibility and control over inventory, deployment, assignment, and replacement of terminals.
  • Streamlined operations through optimized resource allocation and automated lifecycle workflows
  • Reduced operational complexity by centralizing visibility and control across the entire POS estate
  • Higher terminal availability and reliability, ensuring uninterrupted payment acceptance

SPARK Switching

Real-Time Transaction Switching and Intelligent Routing Across All Acceptance Channels

The SPARK switching module is the real-time transaction engine of the SPARK Acquiring suite, orchestrating high-volume authorization flows across POS, SoftPOS, and e-commerce through a unified switching layer.

  • Low-latency transaction processing
  • Intelligent, dynamic routing decisions
  • Seamless interoperability across acceptance channels
  • Strict alignment with the scheme and acquiring requirements

Designed for scale and resilience, the module centralizes routing and traceability to ensure compliance, accelerate authorizations, protect revenue, and provide a future-ready acceptance infrastructure built for growth.

SPARK Dispute Management

Take Control of Disputes. Protect Revenue. Reduce Risk.

End-to-end chargeback and dispute handling, including evidence management, workflow automation, scheme compliance, and performance analytics to reduce financial and operational risk.

The module Dispute management provides:

  • Comprehensive evidence collection and document management
  • Automated workflows to streamline dispute processing
  • Built-in scheme compliance controls and deadline monitoring

By centralizing and automating dispute handling, institutions minimize revenue loss, strengthen compliance, and improve operational performance.

SPARK Trust: Fraud Prevention

Detect Faster. Act Smarter. Protect Every Transaction.

Integrated fraud detection and prevention using rule-based and AI-driven models to identify suspicious transactions in real time while minimizing false positives.

  • Monitor transactions across channels with real-time risk scoring
  • Detect emerging fraud patterns using adaptive AI models
  • Reduce false positives and protect customer experience

By blending intelligence, automation, and control, SPARK Trust helps institutions stay ahead of evolving fraud threats without compromising growth or customer trust.

SPARK Pulse: E-commerce Payment Gateway

A unified payment gateway for e-commerce and digital channels, enabling secure transaction processing, intelligent routing, and real-time authorization across multiple schemes and acquirers through API-first integration. The platform delivers:

  • Secure, PCI-DSS compliant processing with advanced fraud protection
  • Intelligent routing to maximize approval rates and reduce costs
  • Real-time authorization and seamless multi-acquirer connectivity
  • Support for multiple payment methods, currencies, and digital wallets
  • API-first integration across web, mobile, and digital ecosystems

By centralizing and orchestrating payment flows, the gateway enhances customer experience, improves conversion rates, and provides the scalability required to grow digital commerce with confidence.

SPARK Clearing & Settlement

Ensure Accuracy. Accelerate Settlement. Optimize Liquidity.

Automated clearing, reconciliation, and settlement across acquiring flows, ensuring financial accuracy, regulatory compliance, and optimized liquidity management.

Designed to transform financial operations, the platform delivers:

  • Precise reconciliation of transactions, scheme settlements, and merchant payouts
  • Built-in regulatory compliance and full audit traceability
  • Elimination of manual errors and reduced reconciliation breaks

By centralizing and automating financial flows, the platform strengthens accuracy, reduces operational risk, and delivers the control required to scale acquiring activities with confidence.

Let's build your acquiring journey