Fintologya provides a cloud‑native issuer processing platform that enables banks and licensed fintechs to launch Mastercard card programs across MENA and Africa. The service offers instant virtual card issuance via a single API, multi‑program isolation with custom branding, and built‑in real‑time fraud scoring, all delivered with data residency in‑region and a launch timeline of 4–6 weeks. Developers integrate through modern REST APIs and sandbox environments for rapid deployment.
Funding
$1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Financial institutions in MENA and Africa face long onboarding times, fragmented infrastructure, and limited local data residency when launching Mastercard card programs, leading to delayed market entry and increased operational risk.
Solution
Fintocalgya offers a cloud‑native issuer processing platform that streamlines the entire card‑program lifecycle for banks and licensed fintechs. Through a single REST API, issuers can create virtual cards in milliseconds, receive real‑time transaction approvals, and benefit from built‑in fraud scoring tailored to each program. The platform provides automated daily settlement, comprehensive reconciliation, and end‑to‑end dispute handling, all while maintaining in‑region data residency and PCI DSS v4.0.1 compliance. Multi‑program architecture isolates data and branding for each partner, and a unified console enables rapid configuration, monitoring, and audit‑ready reporting, allowing programs to go live in 4–6 weeks instead of quarters.
Target Audience
Primary customers are banks and licensed fintech companies operating in the MENA and African regions that need to launch or expand Mastercard card programs quickly and securely.
Features
- Instant virtual card issuance via a single API call with tokenized PANs ready for Apple Pay, Google Pay, and Samsung Pay
- Real‑time transaction approval and fraud scoring with customizable per‑program policies (spend velocity, location, merchant, strong authentication)
- Automated daily settlement, clean reconciliation reports, and structured dispute management
- Multi‑program design supporting isolated data, branding, and policy rules for multiple fintech partners on one platform
- PCI DSS v4.0.1 compliance and in‑region data residency across MENA and Africa
- Role‑based access control, full audit trail, and real‑time transaction search through an operations console
- Modern REST APIs, event notifications, sandbox environment, and comprehensive documentation for rapid developer integration