Fintech Payment Solutions
Dubai-headquartered B2B programme manager providing turnkey card and payment infrastructure, compliance, and scheme connectivity under a single agreement to fintechs, FIs, NBFIs, and shopping centres across the UK, Europe, and the Middle East.
- Company typePrivate
- Founded2021
- HeadquartersDubai, United Arab Emirates
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fintech Payment Solutions does
Fintech Payment Solutions (FPS) is a Dubai-headquartered B2B programme manager that supplies turnkey card and payment infrastructure to fintechs, Financial Institutions, and Non-Bank Financial Institutions across the UK, Europe, and the Middle East. Under a single agreement, FPS provides clients access to its pre-existing relationships with card issuers, card manufacturers (NYM Card, Toppan), processors (Mercury), and scheme networks (Mastercard, Visa), bundling BIN sponsorship, compliance, KYC, fraud monitoring, and regulatory expertise so clients can focus on product, marketing, and customer relationships rather than multi-vendor coordination.
The platform is organized around branded modules: Crunch (programme management and ePOS/e-commerce), Prosper (youth banking with debit card and app), Cleva (financial inclusion for care agencies), Kani (reporting and reconciliation with 250+ pre-built reports), and Dialect (multi-lingual customer experience with AI/chatbot via Amazon Connect). The Giftstarr sub-brand, launched in March 2024, packages gift card programme management into StarrCard, StarrGate, StarrKiosk, and StarrPOS components targeted at shopping centres. The underlying technology stack includes open banking APIs, KYC integration, card management systems, branded mobile app capabilities, and 3DS 2.0 authentication, with both off-the-shelf and bespoke API delivery models.
FPS monetizes through programme management fees, API and integration services, managed services for gift card programmes, and card and packaging production (millions of cards annually via manufacturing partners). Pricing is quote-based and tailored to programme scope under multi-year contracts, with no publicly disclosed pricing. Distribution is exclusively B2B enterprise, supported by membership in the UK Gift Card Association, Incentive Marketing Association, and Middle East Council for Shopping Centres. Revenue, headcount, funding history, and ownership structure are not disclosed in available data.
Fintech Payment Solutions firmographics
Firmographics- Name
- Fintech Payment Solutions
- Legal name
- Fintech Payment Solutions
- Website
- https://fintechpaymentsolutions.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Dubai-headquartered B2B programme manager providing turnkey card and payment infrastructure, compliance, and scheme connectivity under a single agreement to fintechs, FIs, NBFIs, and shopping centres across the UK, Europe, and the Middle East.
- Ownership category
- akta.pro rank
Fintech Payment Solutions industry classification
Industry- Product category
- Payment Programme Management
- NAICS
- Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Tokenization, Network Vaults & Credential Management (FSAGABAF)
Keywords
Where Fintech Payment Solutions is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices1 record
Markets served
Fintech Payment Solutions business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure
Revenue model
- Programme Management Fees: FPS charges fees for programme management services, providing the infrastructure, compliance, and partner relationships needed to launch and operate payment programmes under a single agreement.
- API and Integration Services: Revenue from bespoke API solutions for youth banking, open banking, KYC, card management systems, and mobile app integrations.
- Gift Card Programme Management: Full gift card programme management including card production, fulfilment, microsite, kiosk, and POS solutions for shopping centres.
- Card and Packaging Solutions: Production of cards and packaging with economies of scale from trusted partners, handling millions of cards annually.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Custom enterprise pricing based on programme scope and requirements |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Fintech Payment Solutions product offering
Product offeringCore offering
Fintech Payment Solutions operates as a programme manager providing fintechs, Financial Institutions, and Non-Bank Financial Institutions with a single system and agreement to launch and operate card and payment programmes. The offering covers prepaid, debit, virtual, gift, payroll, expense, and youth banking cards, alongside KYC, open banking, card management APIs, reporting and reconciliation, and multi-lingual call centre support. Card production, packaging, and physical gift card solutions are also delivered through trusted manufacturing partners.
Product overview
Fintech Payment Solutions (FPS) operates as a programme manager providing a platform-plus-modules architecture for fintechs, Financial Institutions, and Non-Bank Financial Institutions. The core platform provides prepaid payment solutions across gift cards, payroll, payout, expense management, and virtual cards. Key products include Crunch (programme management), Prosper (youth banking), Cleva (financial inclusion), Kani (reporting/reconciliation), and Dialect (call centre support). The Giftstarr sub-brand offers a complete gift card solution with StarrCard, StarrGate, StarrKiosk, and StarrPOS modules. FPS supplements its platform with open banking APIs, KYC integration, and card management systems, offering both off-the-shelf and bespoke solutions.
Differentiator
Problem solved
Functional benefit
Brands
- Crunch: Programme management solution for launching card and payment products with tried and tested tools and processes.
- Prosper
- Cleva
- Kani
- Dialect
- Giftstarr
- StarrCard
- StarrGate
- StarrKiosk
- StarrPOS
Products and services
- Crunch Programme management solution providing tried and tested tools and processes to launch and scale card and payment products for fintechs, Financial Institutions, and Non-Bank Financial Institutions. Includes ePOS/mPOS cloud-based till systems, e-commerce solutions, and a business hub for corporate sales.
- Prosper Youth Banking as a Service platform that helps children learn to manage pocket money through a debit card and mobile app for tracking spending and saving each month.
- Cleva Financial inclusion solution providing cards, apps, and management platforms for care agencies, enabling staff to make quick, safe, and easy payments for client needs.
- Kani Reporting and reconciliation solution with over 250 pre-built reports, drag-and-drop dashboard builder, and a business intelligence module for actionable payment insights.
- Dialect Multi-lingual customer experience solution supporting voice, chat, chatbot/AI, email, messaging, and social media, leveraging Amazon Connect AI/ML for sentiment and trend analysis.
- Giftstarr Branded end-to-end gift card solution for shopping centres and retail malls, combining white-labelled physical cards, a cardholder microsite, self-dispensing kiosks, and POS systems to drive footfall, promote spend, and boost loyalty.
- FPS Open Banking API API solution enabling open banking integration capabilities for desktop, web, and mobile applications, allowing clients to integrate FPS capabilities into their own systems.
- FPS Card Management System Card management system with branded mobile app capabilities for card issuers and processors, enabling card lifecycle management and client-branded app delivery.
Quantifiable outcome
- 74% of shoppers spend more than their gift card value
- +1 more outcomes
Companies that use Fintech Payment Solutions
Customer profileNamed customers11 records
Segments7 records
Ideal customer profiles5 records
Fintech Payment Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability7 records
Feature7 records
Fintech Payment Solutions partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- NYM CardcoreTrusted card manufacturer partner handling production of cards. FPS passes on economies of scale from this relationship to clients, with experience managing millions of cards annually.
- ToppancoreCard manufacturing partner providing production capabilities for prepaid cards and gift cards. Partner in FPS's trusted partner network for card production at scale.
- MercurycoreTrusted partner integrated into FPS's payment ecosystem for processing and transaction handling capabilities.
- Card Issuers (Banks)coreEstablished relationships with trusted card issuers (banks) that provide BIN Sponsorship, regulatory and legal approvals, and scheme reconciliation. Clients access these relationships through FPS's single agreement.
- Card ProcessorscoreFPS has established relationships with card processors providing authorisation and clearing of transactions, and interface to card schemes (Mastercard, Visa).
- KYC ProviderscoreIntegrated KYC providers for cardholder onboarding and compliance. Part of FPS's comprehensive compliance and identity verification ecosystem.
- Amazon ConnectcoreDialect call centre solution leverages Amazon Connect's AI and ML capabilities for customer sentiment analysis and trend analysis, providing advanced analytics for customer interactions.
- UK Gift Card AssociationminorFPS has membership in the UK Gift Card Association, providing access to industry professionals and best practices for gift card marketing and operations.
- Incentive Marketing AssociationminorFPS holds membership in the Incentive Marketing Association, connecting with industry professionals and staying current on incentive and reward trends.
- Middle East Council for Shopping CentresminorFPS is a member of the Middle East Council for Shopping Centres, providing network access to shopping centre operators across the MENA region.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Fintech Payment Solutions competitors and assessment
Company assessmentDirect peers
- Wallester: Estonia-headquartered programme manager offering white-label card issuing, expense management and gift card infrastructure to European businesses; very similar business model and B2B positioning to FPS.
- Marqeta: Leading card issuing and processing platform serving fintechs and corporates with API-based programme management; most directly comparable to FPS's Crunch product and Mastercard/Visa scheme connectivity model.
- Solaris SE: Berlin-based Banking-as-a-Service platform providing embedded payments, cards and compliance infrastructure across Europe; comparable to FPS as a European programme manager with regulatory and scheme relationships.
- Galileo Financial Technologies: SoFi-owned payments and card issuing platform providing programme management, KYC, fraud and processing to fintechs and banks; closely comparable to FPS in target segments and bundled infrastructure approach.
- i2c Inc. Global card issuing and processing platform supporting prepaid, debit and credit programmes for fintechs and FIs; directly comparable to FPS across multi-product programme management and scheme connectivity.
- Priority Payments: US-focused programme manager providing payment processing, gift card and loyalty programme management to banks and retailers; comparable to FPS in the gift card and merchant programme segment.
Emerging players
- Paymentology: Global card issuing and processing platform with strong presence in emerging markets including MENA and Africa; highly comparable to FPS's cross-regional programme management ambition.
- Synctera: US-based Banking-as-a-Service platform enabling community banks and fintechs to launch card and deposit products; comparable to FPS in programme management intent but earlier-stage and US-focused.
- Unit: US embedded finance platform offering card issuing, lending and banking infrastructure to startups and tech companies; overlaps with FPS in the embedded card/payments programme management layer.
Broad incumbents
- Stripe Issuing: Card issuing product within Stripe's broader payments platform offering programme management APIs at scale; comparable to FPS as a higher-volume incumbent that fintechs may choose instead of a dedicated programme manager.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Fintech Payment Solutions social profiles
Digital presenceFintech Payment Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fintech Payment Solutions leadership team
Management profileNumber of profiles
Fintech Payment Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fintech Payment Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fintech Payment Solutions
What does Fintech Payment Solutions do?
Fintech Payment Solutions operates as a programme manager providing fintechs, Financial Institutions, and Non-Bank Financial Institutions with a single system and agreement to launch and operate card and payment programmes. The offering covers prepaid, debit, virtual, gift, payroll, expense, and youth banking cards, alongside KYC, open banking, card management APIs, reporting and reconciliation, and multi-lingual call centre support. Card production, packaging, and physical gift card solutions are also delivered through trusted manufacturing partners.
Is Fintech Payment Solutions a public or private company?
Fintech Payment Solutions is a private company. It is classified as unknown and is currently operating.
When was Fintech Payment Solutions founded?
Fintech Payment Solutions was founded in 2021. It employs 11 to 50 people.
Where is Fintech Payment Solutions based?
Fintech Payment Solutions is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does Fintech Payment Solutions make money?
Four revenue lines are on record. Programme Management Fees are the primary driver. The others are API and Integration Services, gift Card Programme Management and card and Packaging Solutions.
Who are Fintech Payment Solutions's main competitors?
Direct peers on record are Wallester, Marqeta, Solaris SE, Galileo Financial Technologies, i2c Inc. and Priority Payments. Emerging players are Paymentology, Synctera and Unit. Stripe Issuing is listed as a broad incumbent.
Does Fintech Payment Solutions have an API?
Yes. FPS offers an extensive API solution enabling seamless integration with third-party systems, empowering desktop, web, and/or mobile applications. The company provides off-the-shelf or bespoke API solutions for youth banking, open banking, card management systems, and branded mobile apps. Clients can integrate FPS capabilities into their own systems via the API. Developer documentation is at fintechpaymentsolutions.com/contact-us.
What industry is Fintech Payment Solutions in?
Fintech Payment Solutions's product category is Payment Programme Management. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 5223 and its SIC code is 6199.