FintechIQ offers an API‑driven platform that consolidates payment acceptance, account‑to‑account transfers, and value‑added services like digital wallets and loyalty programs into a single, PCI‑DSS‑compliant ecosystem. Its SoftPOS/Tap‑on‑Phone SDK converts Android devices into encrypted terminals, while modular micro‑services and AADE‑compliant middleware enable banks, acquirers, and merchants to integrate payments, analytics, and fraud monitoring through a unified dashboard.
Funding
Funding not disclosed
Founders
Product
Problem
Banks, acquirers, and merchants often operate with fragmented payment tools, legacy POS hardware, and complex regulatory requirements, which slows onboarding, increases integration costs, and limits the ability to offer value‑added services such as digital wallets or loyalty programs.
Solution
FintechIQ delivers an end‑to‑end, API‑driven platform that unifies payment acceptance, account‑to‑account transfers, and ancillary services into a single, scalable ecosystem. The suite includes SoftPOS and Tap‑on‑Phone capabilities that turn any Android device into a PCI‑DSS‑compliant terminal, a middleware layer that standardizes AA & DE (Greek tax authority) ERP integrations, and a branded digital‑wallet framework that supports Apple Wallet, Google Pay, and custom loyalty modules. All components are built with modular micro‑services, enabling rapid integration with existing acquirer or merchant systems while maintaining compliance and security. Real‑time analytics and a web dashboard give operators insight into transaction flows, merchant performance, and fraud monitoring, allowing them to launch new services without overhauling core infrastructure.
Target Audience
Primary customers are banks, acquiring institutions, and mid‑size to large merchants (retail, hospitality, wellness, and e‑commerce) that require a unified, compliant payment infrastructure and value‑added services.
Features
- SoftPOS & Tap‑on‑Phone SDK that converts Android smartphones into encrypted, contactless payment terminals supporting EMV‑Co specifications.
- A2A payment engine with tokenized routing and instant settlement APIs for peer‑to‑peer and B2B transfers.
- AADE‑compliant ERP integration middleware that abstracts vendor‑specific adapters into a single, secure data‑exchange hub.
- Branded digital‑wallet platform with Apple Wallet/Google Pay pass generation, eGift card issuance (GiftConnect), and loyalty point accrual APIs.
- Modular micro‑service architecture exposing RESTful and gRPC endpoints for POS, CRM, and third‑party services, enabling plug‑and‑play extensions.
- Real‑time monitoring dashboard delivering transaction metrics, fraud alerts, and merchant‑level analytics with role‑based access control.
- End‑to‑end encryption, tokenization, and PCI‑DSS compliance across all data‑in‑flight and at‑rest storage layers.
- Cloud‑hosted digital signage solution (eyesON) that integrates with the payment stack for omnichannel promotions and QR‑code driven sales.