Terafin
Modern Payments

Unified Platform for Modern Payments.

The only platform purpose-built to unify traditional payment rails with real-time infrastructure - intelligent routing, flexible orchestration, and automated settlement to drive sustainable revenue growth for Middle East banks.

Platform Technology Powered by our orchestration platform Built by our primary platform partner Delivered by Terafin across Middle East & Africa
Why Modern Payments

Drive revenue. Improve efficiency. Control risk.

Unite fragmented and siloed payment rails onto an intelligent payment engine. Gain smart routing and flexible orchestration to scale payment volume across all your programs - existing customers, SMBs, and embedded banking channels.

Drive Revenue

Expand digital payment offerings to existing customers, SMBs, and embedded banking channels - increasing fee revenue across all programs on a single unified platform.

Improve Efficiency

Centralise payment activity to strengthen security, reporting, and compliance with a consolidated view of all payments across all your programs and distribution channels.

Control Risk

Increase straight-through processing to reduce overhead within one system - eliminating redundant point solutions and their associated maintenance costs.

Platform Features

Powerful infrastructure. Complete control.

Centralised Management

Intelligent Payment Routing and Orchestration

Auto-posting across user, program, and bank operating accounts - with full access to all payment data for compliance and reporting, and built-in case management for back-office efficiency.

  • Auto-posting across all account levels
  • Intelligent routing by speed, cost, and timing
  • Access to all payment data for compliance
  • Case management - streamlines back-office activity
RailsDomestic transfer, SWIFT, instant payments, stablecoin
RoutingIntelligent - speed, cost, timing
SettlementAutomated GL - real-time
MonitoringReal-time across all programs
API Access

White-Label Payment APIs for Partner Applications

Our Orchestration Platform provides an API portal to expose payment services to partner applications - white-label branded for your institution, with fine-grained API entitlements for security.

  • White-label API portal - bank-branded
  • Universal and fine-grained payment APIs
  • API entitlements for access security by partner
  • Configurable without legacy vendor SOW
APIsUniversal, open, fine-grained
PortalWhite-label - bank-branded
SecurityAPI entitlements per partner
AccessConfigurable without SOW
Settlement Automation

Automated GL Settlement Across All Programs

As banks scale their partner banking and embedded finance programs, manual reconciliation breaks down. Our orchestration platform automates settlement operations across multiple providers - reducing manual work and avoiding co-mingling of funds.

  • Automated operating account settlement in real-time
  • Automated programme billing and sweeps by trigger/threshold
  • Real-time intraday balances - self-service console
  • Settlement to bank operating accounts on legacy core
SettlementAutomated GL - real-time
BillingAutomated by programme trigger
VisibilityIntraday balances - self-service
IntegrationSettles to legacy core accounts

Central Bank / Instant Payments

Real-Time Payment Infrastructure Alignment. Our unified payment engine is architecturally aligned to support instant payment rails and cross-border settlement infrastructure across the region. As central banks expand real-time payment mandates across Middle East and Africa financial institutions, our orchestration platform provides the infrastructure layer to participate without rebuilding your core payment stack.

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