CLOWD9 provides a cloud‑native, microservices‑based issuer processing platform that auto‑scales across global cloud regions to deliver low‑latency, real‑time payment processing for any card network. The solution includes dynamic routing, migration tools for legacy systems, and per‑transaction carbon‑emission reporting, helping issuers and fintechs meet performance, compliance, and sustainability requirements.
Funding
Funding not disclosed
Founders
Product
Problem
Enterprises that need to process high‑volume issuer transactions face legacy payment processors that are monolithic, location‑bound, and energy‑inefficient, leading to limited scalability, high latency, and difficulty meeting global compliance and sustainability requirements.
Solution
CLOWD9 offers a cloud‑native, decentralized issuer processing platform built on a microservices architecture that can auto‑scale on demand across global cloud instances. The platform provides real‑time, API‑driven payment processing for any network or system, with dynamic routing and geo‑partitioning to minimize latency. Its modular design supports rapid deployment of customized card and payment products, migration from legacy systems, and detailed carbon‑emission reporting for each transaction, enabling enterprises to meet performance, compliance, and sustainability goals.
Target Audience
Primary customers are issuers, fintech platforms, challenger banks, and large enterprises that require high‑volume, globally distributed payment processing with customizable product offerings and sustainability reporting.
Features
- Over 60 microservices delivering horizontal and vertical scalability with zero downtime during upgrades
- Decentralized, multi‑region cloud instances that route transactions to the nearest node for low latency and high reliability
- Automated infrastructure provisioning, dynamic routing, and elastic scaling to handle limitless API calls and transaction spikes
- Payment‑agnostic ISO messaging engine supporting real‑time payments across any card network or system
- Customizable dashboards and data APIs for granular reporting, including real‑time carbon‑emission metrics per transaction
- Built‑in migration framework to transition legacy issuer processors to the cloud‑native platform with minimal risk
- Support for multi‑currency, cross‑border, virtual card, corporate, gaming, crypto, and e‑wallet use cases