What Lusis Payments does

Lusis Payments (legal entity Lusis SA) is a Paris-headquartered, privately-held software company founded in 1999 that builds mission-critical payments infrastructure for banks, payment processors, merchant acquirers, and PSPs. Its flagship product is TANGO, a microservices-based online transaction processing engine that delivers acquiring, routing, switching, authentication, and authorization across ATM, POS, Internet, and mobile banking channels from a single code set and architecture. TANGO runs on HPE NonStop, on-premise, and the three major hyperscalers (Azure, AWS, Google Cloud), with benchmarked throughput of 10,000 TPS in cloud and 4,500 TPS on an 8-CPU HPE NonStop system.\n\nThe platform is monetized via enterprise software licensing on multi-year contracts, with a pricing structure that is quote-based and not tied to transaction volumes, allowing clients to scale without incremental license fees. TANGO is sold primarily through direct enterprise field sales in North America, Europe, and Latin America, complemented by tier-1 distribution channels including HPE GreenLake, Sopra Banking Software's catalog of 1,500+ European financial institutions, and the Mastercard Access partnership. Named customers include 4 of the top 10 global retail banks, with logos such as Bank of America (also a minority shareholder and board representative), HSBC, CIBC, Pivotal Payments, BankservAfrica, and a major French financial institution added in 2025.\n\nBeyond core processing, Lusis offers add-on modules including TANGO AI Fraud (real-time ML-based fraud detection), TKS SaaS (cloud-native tokenization for PCI scope reduction), Dynamic Currency Conversion, ATM Management software, a multi-asset trading platform with cryptocurrency/blockchain support, and Loyalty Management. The company's strategic posture centers on replacing legacy payments platforms such as BASE24 and Postilion, with documented client outcomes including 50% TCO reduction, 200% client base expansion, and 25% performance gains from TANGO V7 to V8.

Name

Lusis Payments

Legal name

Lusis SA

Website

https://lusispayments.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Lusis Payments builds TANGO, a microservices-based mission-critical online transaction processing engine used by 4 of the top 10 global retail banks to modernize legacy ATM, POS, and digital payment infrastructure.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB)

akta.pro secondary industries

Smart Routing, Cascading & Payment Optimization (FSAMACAJ), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Payment processing software
• Transaction processing engine
• Real-time fraud detection
• Cloud-native payments
• Enterprise tokenization platform

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. TANGO Software Licensing: TANGO platform is licensed to banks, payment processors, and financial institutions. Licensing model includes clear pricing structure without transaction-volume-based additional fees, enabling clients to increase volumes without additional licensing costs. Platform supports both on-premise and cloud deployments.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Lusis Payments develops and licenses TANGO, a microservices-based online transaction processing engine that powers mission-critical 24x7 payment operations for banks, payment processors, and financial institutions globally. The platform supports acquiring, routing, switching, authenticating, and authorizing transactions across ATM, POS, Internet, and Mobile Banking channels, and is offered alongside specialized modules for AI-based fraud detection, tokenization, dynamic currency conversion, ATM management, multi-asset trading, and loyalty management.

Product overview

Lusis Payments offers TANGO as its unified core payments platform, complemented by specialized modules including TANGO AI Fraud for AI-powered fraud detection, TKS SaaS for enterprise tokenization, Dynamic Currency Conversion (DCC), ATM Management software, a Multi-Asset Trading Platform for Forex/CFD/equities, and Loyalty Management solutions. TANGO serves as the central orchestration engine supporting acquiring, routing, switching, authenticating, and authorizing transactions across ATM, POS, Internet, and Mobile Banking channels. The platform is built on a microservices architecture and is offered across cloud, hybrid, on-premise, and HPE NonStop environments.

Differentiator

Problem solved

Functional benefit

Products and services

• TANGO Online transaction processing engine for mission-critical 24x7 payment solutions. Built on a microservices architecture, TANGO delivers acquiring, routing, switching, authenticating, and authorizing of transactions across ATM, POS, Internet, and Mobile Banking channels from a single application, code set, and architecture. For banks, payment processors, and PSPs needing to replace legacy payment platforms.
• TANGO AI Fraud AI-powered fraud monitoring, detection, and action system for secure transaction processing. Uses machine learning with rule-based Boolean language and real-time Markovian anti-fraud processing engine for financial institutions and payment processors.
• TKS SaaS (Token Server) Cloud-native enterprise tokenization platform built with Kubernetes that replaces sensitive payment data with randomly generated tokens. Provides secure multi-tenant design with strict data separation and full token lifecycle management for reducing PCI scope across payment systems, SaaS platforms, and enterprise applications.
• Dynamic Currency Conversion (DCC) Solution enabling international cardholders to view transaction amounts in their home currency at point of sale or ATM. Provides transparency on exchange rates and fees and generates additional revenue for issuing banks through exchange rate margins.
• ATM Management Software ATM software powered by TANGO for next-generation ATM services including personalization, real-time processing, and cloud-based processing capabilities. Deployed for major ATM transformation initiatives involving 150+ integrations.
• Multi-Asset Trading Platform Ultra-high performance trading platform for Forex, CFD, equities, and options integrating cryptocurrencies and blockchain-based settlement. For capital markets and trading firms needing low-latency order and transaction processing.
• Loyalty Management Flexible loyalty solutions ranging from simple to complex deployments enabling clients to manage loyalty card programs and gain market advantages through configurable reward logic.

Quantifiable outcome

• 50% reduction in total cost of ownership
• +6 more outcomes

Named customers10 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

AI capability3 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• HPE (Hewlett Packard Enterprise) / HPE GreenLakecoreTechnology or IntegrationTANGO is HPE's chosen payments solution for the GreenLake cloud platform. TANGO runs on HPE NonStop systems with deep integration. HPE selected TANGO as their preferred GreenLake financial payments solution. Lusis and HPE conducted successful benchmarks including 4,500 TPS on HPE NS server and demonstrated TANGO at HP ATC labs in Palo Alto.
• Mastercard AccesscoreStrategic or Co-development PartnerPartnership with Mastercard Access expands payment platforms for Mastercard while allowing Lusis to connect to previously unreached payment flows, both MA and non-MA processed payment flows and services. Creates additional market reach for Mastercard and expands Lusis North American customer base by allowing multiple schemes, networks and services.
• Sopra Banking SoftwarecoreChannel Partner/ Reseller/ DistributorStrategic partnership for the European market announced June 2, 2023. Sopra Banking Software incorporates Lusis' TANGO product into their catalog serving over 1,500 financial institutions worldwide and actively promotes it to their clients. Covers the entire electronic banking value chain from Acquirer to Issuer, Front-Office Authorization to Contract and Operation Back-Office. Transactis is the first customer to benefit from this offering.
• CentraleSupélec (Paris-Saclay University)minorStrategic or Co-development PartnerResearch chair partnership created in 2020 to strengthen collaboration in the field of artificial intelligence applied to the banking sector. Lusis' Artificial Intelligence department, created in 2017, collaborates with the prestigious French graduate engineering school.

Scale indicators13 records

Recent moves9 records

Expansion highlights7 records

Direct peers

• Marqeta: Marqeta provides modern card issuing and payment infrastructure APIs — overlapping with Lusis's TANGO and TKS SaaS in modern payment processing and tokenization infrastructure.
• ACI Worldwide: ACI Worldwide provides enterprise real-time payments, fraud management, and payment orchestration software to banks, processors, and merchants globally — overlapping directly with TANGO's acquiring, switching, and fraud capabilities.
• Volante Technologies: Volante offers cloud-native payment processing, ISO 20022 migration, and payment orchestration solutions to financial institutions — directly comparable to TANGO's microservices-based, multi-channel transaction processing.
• Bottomline Technologies: Bottomline provides payment automation, fraud detection, and financial messaging solutions to banks and corporates, competing with Lusis in fraud and payment hub modernization.

Emerging players

• Featurespace: Featurespace provides AI-driven fraud and risk management for payments — directly competing with Lusis's Tango AIF module in real-time fraud detection for banks and processors.
• Thought Machine: Thought Machine builds a cloud-native core banking platform adopted by tier-1 banks (e.g., Lloyds, JPMorgan's BBP), competing for the same bank modernization and cloud-migration budgets that TANGO targets.
• Mambu: Mambu offers a cloud-native, composable banking platform serving challenger and incumbent banks — overlapping with TANGO's positioning as a modern, configurable alternative to legacy core systems.

Broad incumbents

• FIS (Fidelity National Information Services): FIS is a global fintech incumbent whose payment processing and core banking platforms (including the legacy BASE24 product Lusis displaces) compete directly with TANGO across the same bank customer base.
• Fiserv: Fiserv offers a broad suite of payments, banking, and merchant acquiring software — including the DNA core platform that competes with TANGO for bank modernization budgets.
• Temenos: Temenos provides cloud-native core banking and payment solutions to banks globally, competing for the same modernization RFPs that Lusis targets with TANGO.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/lusis-payments

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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 Lusis Payments