Merchant acquiring
Accept payments across cards, account-to-account transfers, wallets and local payment methods through a single integration, with unified reconciliation and settlement reporting.
CFoncier Pay
Our digital payments infrastructure — merchant acquiring, card issuing, wallet services, payment orchestration and real-time settlement in one secure, programmable platform.
Payments infrastructure built for scale and control
Moving money today usually means stitching together card processors, local schemes, banking partners and compliance tools, each with its own reporting format, settlement cycle and failure mode. CFoncier Pay is our response: a unified payments layer that handles acquiring, issuing, wallets and orchestration behind a single set of APIs and a single audit trail.
The platform is designed for institutions that process high volumes, operate across currencies and jurisdictions, and cannot afford ambiguity in settlement timing, reconciliation or compliance. Every transaction, card and wallet is traceable from initiation to settlement.
It is built to operate alongside CFoncier Checker and CFoncier Analytics, so that counterparty screening, transaction monitoring and financial analysis share the same case record.
Inside the application
A representation of the payments operations dashboard: live transaction flow, method mix and settlement status.
CFoncier Pay — Operations Console
API latency 24ms · settlement window T+0Volume today
1,284,500
USD equivalent
Transactions
9,041
Across all rails
Success rate
99.4%
Authorised and settled
Pending settlement
142,300
USD equivalent
Method mix
Cards42%
Account transfers31%
Wallets18%
Local methods9%
Settlement health
On time
98.2%
Held for review
1.1%
Exception queue
0.5%
Returned
0.2%
Live transactions
Auto-refreshing| ID | Time | Merchant | Method | Amount | Status |
|---|---|---|---|---|---|
| TXN-92041 | 09:12:34 | Apex Logistics SA | Virtual card | 12,450.00 USD | Settled |
| TXN-92038 | 09:08:12 | GlobalComm Ltd | Account transfer | 83,200.00 USD | Settled |
| TXN-92035 | 09:01:55 | Metro Retail GmbH | Wallet | 6,780.00 EUR | Clearing |
| TXN-92031 | 08:57:21 | Ocean Freight FZE | Virtual card | 47,500.00 USD | Authorised |
| TXN-92029 | 08:52:07 | Vertex Solutions | Account transfer | 15,600.00 GBP | Settled |
Illustrative interface — data shown is fictitious
Core capabilities
Card issuing
Issue physical and virtual cards with programmable controls: spend limits, merchant categories, geographic restrictions, real-time authorisation and instant freeze.
Wallet services
Multi-currency wallets for individuals and businesses, with balance management, FX conversion, scheduled transfers and clear transaction history.
Payment orchestration
Route transactions across acquirers and schemes intelligently, with fallback logic, cost optimisation, fraud rules and issuer-specific preferences.
Real-time settlement
Accelerated settlement windows, on-demand liquidity and transparent fee structures so merchants and partners know exactly when funds arrive.
Fraud and compliance
Velocity checks, device fingerprinting, behavioural scoring and sanctions screening integrated natively, with every decision written to an audit trail.
Design principles
One integration, many rails
Counterparties connect once and gain access to cards, bank transfers, wallets and local payment networks without rebuilding their own treasury stack.
Programmable money
Cards, wallets and accounts are configured through rules, not manual processes. Limits, approvals and routing logic update in real time.
Transparency by default
Every fee, FX rate and settlement timestamp is surfaced before the transaction is confirmed, with no hidden charges or delayed reporting.
Security at the platform layer
Encryption, tokenisation, fraud scoring and sanctions screening are embedded. Partners inherit the controls without building them themselves.
Frequently asked questions
Who is CFoncier Pay for?
It is designed for merchants, payment intermediaries, corporate treasuries and fintech partners that need a single, compliant infrastructure for accepting and issuing digital payments.
Does it support multi-currency operations?
Yes. The platform handles multi-currency wallets, FX conversion and settlement in the major trade currencies, with local payment methods added by jurisdiction.
How is fraud managed?
Fraud scoring is applied at the transaction level using velocity, device, behavioural and merchant-category signals. Suspicious items are held for review or declined automatically according to the partner's risk policy.
When will it be available externally?
CFoncier Pay is being proven internally first. External access will be opened to selected partners once the compliance, operational and security frameworks are fully certified.
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