D8 Corporation

What D8 Corporation does

D8 Corporation is a Latvia-based fintech software company, founded in 2002 and headquartered in Riga, that develops, sells, and supports payment infrastructure software for banks, payment service providers (PSPs), and financial institutions. It operates across more than 32 countries with offices in Riga, Gdańsk, Kyiv, Bishkek, Addis Ababa, and Buenos Aires, and serves over 50 institutional clients. Its core offering is the Gate2Bank Suite — a modular, microservices-based payments platform covering card issuing and authorization, card acquiring, payment gateway, EMVCo 3D Secure, HCE-based tokenization for mobile wallets (Apple Pay, Google Pay, Samsung Pay, Garmin Pay), real-time fraud prevention, and AML/KYC compliance.

The platform is built primarily on open-source technologies, with PCI DSS and PCI SSF certified infrastructure, EMVCo-evaluated 3D Secure, and Visa-Ready / Mastercard Engage certifications. StrongHold Fraud Prevention uses dynamic per-customer behavioral models, device fingerprinting, rule-based engines, and machine learning for real-time fraud scoring across card authorization, digital banking, CRM/IVR, and open banking channels. StrongHold AML Manager automates KYC, transaction monitoring, sanctions screening against 158+ lists, and regulatory reporting, with claims of up to 50% reduction in case investigation time. Performance benchmarks cited include 20ms-per-request processing for fraud/acquiring and sub-200ms authorization times for the payment gateway.

D8 monetizes through a mix of perpetual on-premise software licenses (CAPEX), SaaS subscriptions (annual recurring, multi-tenant), and professional/managed services including outstaffing. Pricing is quote-based and not publicly disclosed. Go-to-market combines enterprise field sales led by the executive team (CEO, CBO, CSO) targeting mid-to-large financial institutions, a three-tiered channel partner program (Associate/Reseller/Integrator) spanning Georgia, MEA, Central Asia, and Latin America, and event-driven demand generation across more than a dozen regional fintech summits. Key named customers include Citadele Bank, SEB Baltics, FUIB Bank, INDEXO Bank, MOSST Payments, TransactPro, Ecommpay, and UFC Georgia. The company received €2.5 million in debt financing from Signet Bank and Altum in October 2024 to fund new product development and refinance obligations.

Name

D8 Corporation

Legal name

SIA D8 Corporation

Website

https://d8corporation.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

D8 Corporation is a Latvia-based fintech software firm that builds the Gate2Bank Suite — modular card issuing, acquiring, tokenization, 3D Secure, fraud prevention, and AML solutions — for banks, PSPs, and financial institutions across 32+ countries.

Ownership category

akta.pro rank

Product category

Payment Infrastructure Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Card Issuing & Program Management Platforms (BPAMAFAH)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Card Issuing Platforms (Issuer Processing) (FSAGABAD), Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM)

Keywords

• Payment infrastructure software
• Card issuing and acquiring
• Real-time fraud prevention
• AML compliance platform
• Payment tokenization services

Headquarters

HQ city

Riga

HQ country

Latvia

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Software Licenses (Perpetual): One-time perpetual license purchase for StrongHold Fraud Prevention and other Gate2Bank Suite solutions. Client hosts on their own infrastructure (on-premises or private cloud), ensuring data residency and full control. Organizations amortize licenses long-term and customize fraud-detection rules without vendor dependency.
2. SaaS Subscription: Shared multi-tenant SaaS model for all Gate2Bank Suite solutions including StrongHold Fraud Prevention, StrongHold AML Manager, and eCom 3D Secure. Accessed via subscription with continuous feature delivery, optimized ML models, and flexible scaling. Converts CAPEX to OPEX.
3. Professional Services & Managed Services: Implementation, integration, and managed services for the full payment infrastructure stack. Includes outstaffing services and custom development engagements. Referenced alongside managed services for the entire payment card architecture.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

D8 Corporation develops, implements, and maintains the Gate2Bank Suite, a modular payment infrastructure software platform for banks, payment service providers (PSPs), and financial institutions. The suite covers card issuing and authorization, card acquiring, real-time fraud prevention, AML/KYC compliance, HCE-based mobile wallet tokenization, EMVCo 3D Secure, and an e-commerce payment gateway. Solutions are sold as perpetual on-premises licenses or shared multi-tenant SaaS subscriptions, complemented by implementation, integration, managed services, and outstaffing engagements.

Product overview

D8 Corporation offers the Gate2Bank Suite, a modular payments infrastructure platform consisting of eight integrated solutions: Processing Acquiring (card acquiring infrastructure), Processing Issuing & Authorization (card issuing), eCom Payment GateWay (e-commerce acquiring), StrongHold Fraud Prevention (real-time fraud detection), StrongHold AML Manager (anti-money laundering compliance), HCE Tokenization (mobile wallet/tokenization), and eCom 3D Secure (EMVCo-compliant authentication). The solutions are designed to work both independently and natively integrated with each other, enabling financial institutions to select individual modules or deploy the full suite for comprehensive payment infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• StrongHold Fraud Prevention Real-time behavioral analytics platform that detects and prevents fraud across digital channels (card authorization, device fingerprint, digital banking, CRM/IVR, open banking) for banks, PSPs, and financial institutions. Uses dynamic per-customer behavioral models, rule engines, and machine-learning models for automated decisioning at scale.
• StrongHold AML Manager Automated anti-money laundering platform that integrates KYC/onboarding, transaction monitoring, customer risk scoring, sanctions screening against 158+ lists, and regulatory reporting. Features a low-code rule builder and real-time deal-flow analytics aligned with BSA, AMLD directives, and FATF standards.
• Processing Acquiring Next-generation card acquiring infrastructure providing intelligent switching, device connections (ISO8583, NDC, DDC, REST API), real-time commission engine, and multi-tenancy for processors and acquirers. Targeted at banks, PSPs, and payment processors running multi-institution acquiring operations.
• eCom Payment GateWay Payment gateway for e-commerce acquiring providing sub-200ms authorization, dual-mode (API-driven and hosted web-form) integration, end-to-end encryption, HSM encryption, multi-currency support, a merchant management portal, and native integration with StrongHold Fraud Prevention.
• HCE Tokenization Host Card Emulation tokenization platform enabling digital wallet issuance for Visa, Mastercard, and domestic networks, with push provisioning for Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. Supports multi-tenant design for processor-level token issuing and national-scale deployments.
• eCom 3D Secure EMVCo-certified Access Control Server (ACS) and 3DS Server supporting 3D Secure 2.2 with 100+ risk-based authentication parameters, frictionless authentication, out-of-band Push/OTP delivery, customizable challenge screens, and on-premise or cloud-based deployment.
• Processing Issuing & Authorization End-to-end card issuing and authorization platform covering product definition, EMV personalization, real-time authorization, clearing, multi-institution management, and flexible card-account relationship definitions. Targeted at issuers and processors needing scalable card program management.
• Managed Services Managed services for the full payment infrastructure stack (Processing Issuing and Authorization, Processing Acquiring, eCom, StrongHold) including remote management of PCI DSS-certified environments and ongoing operational support.
• Outstaffing Services Outstaffing services supplying D8 payment-infrastructure engineers to client teams for custom development and ongoing integration work.

Quantifiable outcome

• 20ms/request processing benchmark for fraud prevention and acquiring solutions
• +7 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability6 records

Feature7 records

Partnerships

15 partnerships are on record, tiered historical/key, core, supporting and regional.

• FIS Globalhistorical/keyTechnology or IntegrationD8 Corporation's system integration partnership with FIS Global began in 2009 when FIS Global acquired Metavante Technologies (with whom D8 had been cooperating). D8 worked with Metavante/FIS Global on payment card infrastructure projects outside Europe, particularly in Africa and CIS regions.
• MastercardcoreTechnology or IntegrationMastercard Engage technology partnership — D8 Corporation is a certified member with certified interfaces to Mastercard MDES Cloud-Based Tokenization Service. D8 launched one of the first commercial HCE-based tokenization systems globally in 2015 using Mastercard's MCBP standard.
• VisacoreTechnology or IntegrationVisa Ready certified TR-TSP solution vendor. D8 Corporation is a member of Visa's technology partnership program for vendors building solutions in the Visa digital payments ecosystem.
• EMVCo.coreTechnology or IntegrationEMVCo. approved — certain D8 solutions were independently evaluated by EMVCo. officers and met all standard requirements for 3D Secure and other EMV specifications. D8 is certified for EMVCo 3D Secure versions.
• ThalessupportingOEM/ Whitelabel/ Licensing PartnerOEM Gold level partner focused on delivering cryptographic solutions for payments bundled with D8's payment card software. Thales hardware security modules (HSMs) are used for encryption and token vault security.
• OraclesupportingOEM/ Whitelabel/ Licensing PartnerOracle OEM partner, primarily as an OEM partner to deliver enterprise-level database solutions (Oracle Database) bundled with D8 software to corporate clients.
• NetXMSsupportingOEM/ Whitelabel/ Licensing PartnerNetXMS OEM partner extending monitoring capabilities of Processing Acquiring and Processing Issuing solutions with enterprise-level infrastructure monitoring for CPU, disk I/O, database health, and transaction SLA compliance.
• NETinfosupportingOEM/ Whitelabel/ Licensing PartnerNETinfo OEM partner — D8 complements its risk analytics solutions with NETinfo's white-label digital and mobile banking platform for end-to-end digital banking offerings.
• Fraud Judge EnterprisesupportingOEM/ Whitelabel/ Licensing PartnerFraud Judge Enterprise OEM partner — complements D8's Payment Gateway solution with post-authorization order screening as a last line of defense against e-commerce fraud.
• MavimaxsupportingOEM/ Whitelabel/ Licensing PartnerMavimax OEM partner delivering middleware that provides stellar scalability and performance across all D8 solutions.
• ITS Ltd. (Georgia)regionalChannel Partner/ Reseller/ DistributorChannel partner at Associate level in Georgia. Specializes in financial technology solutions and represents D8 products and brand in the Georgian market.
• ISSPregionalChannel Partner/ Reseller/ DistributorIntegrator-level channel partner operating worldwide. ISSP brings deep expertise in fraud prevention and cybersecurity, complementing D8's payment infrastructure software for comprehensive financial security solutions.
• MDSL (an ITG Company)regionalChannel Partner/ Reseller/ DistributorReseller-level channel partner for the MEA region. Specializes in custom business solutions and IT services for corporate and SME clients, broadening D8's portfolio to undertake bigger and more complex projects.
• Paymob (Kyrgyzstan)regionalChannel Partner/ Reseller/ DistributorReseller-level channel partner in Kyrgyzstan. Relevant solutions include fraud prevention, tokenization, and e-commerce acquiring for the Central Asian market.
• SD-LogicregionalChannel Partner/ Reseller/ DistributorReseller-level channel partner in the Dominican Republic, representing D8's solutions in the Latin American market.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• ACI Worldwide: ACI Worldwide provides real-time electronic payment processing software for banks, merchants, and intermediaries, including card issuing, acquiring, fraud management, and AML — directly competing with D8's Gate2Bank Suite across the same customer base of Tier 1/2 banks and PSPs globally.
• Compass Plus: Compass Plus offers TranzAxis and TranzWare payment processing platforms covering card issuing, acquiring, ATM/POS switching, and fraud prevention for banks and processors — closely aligned with D8's Processing Issuing/Acquiring, eCom Payment Gateway, and StrongHold Fraud Prevention offerings.
• Openway (a Nexi company): Openway delivers Way4, a digital payment processing platform for issuing, acquiring, fraud, and digital wallets used by 200+ banks across CIS, EMEA, and LATAM — a highly comparable peer given D8's strong CIS, Central Asia, and emerging-market footprint.
• Marqeta: Marqeta provides a modern card-issuing and payment processing platform via open APIs, serving fintechs and digital banks — competing with D8's Processing Issuing & Authorization and HCE Tokenization on the modern, API-driven issuing layer.
• Galileo Financial Technologies (SoFi): Galileo offers a card-issuing and payments processing platform-as-a-service used by challenger banks and fintechs — directly comparable to D8's Processing Issuing and multi-tenant processor architecture.
• Thredd: Thredd provides end-to-end card issuance and payment processing for fintechs and digital banks globally, with a focus on flexibility and multi-region program management — comparable to D8's Processing Issuing & Authorization and eCom 3D Secure product line.

Emerging players

• Featurespace: Featurespace provides adaptive behavioral analytics for fraud and risk management in banking and payments — overlapping with D8's StrongHold Fraud Prevention on the AI/ML-driven real-time fraud detection capability.

Broad incumbents

• TietoEVRY: TietoEVRY is a large Nordic-based IT services and software provider with deep banking and payments exposure across the Nordics/Baltics — overlapping with D8's Nordic/Baltic heritage and serving similar regional banks (D8's CFO previously worked at Tieto/EVRY).
• FIS Global: FIS Global is a major financial technology incumbent offering card issuing, acquiring, fraud, and processing at global scale — D8 has historical partnership with FIS (since 2009 Metavante acquisition) and competes against FIS in core processing RFPs.
• Worldline: Worldline is a European payments giant offering merchant acquiring, card issuing, and digital services — D8's Chief Sales Officer (Martin Golding) joined from Worldline in 2023, indicating direct competitive overlap in the European payments infrastructure market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

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Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about D8 Corporation