Cloud native
Global
Sustainable
Seamless
Limitless
payments technology
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Welcome to CLOWD9

The future of issuer processing

Born in the cloud, we deliver more stable, scalable elastic processing capabilities to handle increased transactions and API volumes on demand, anywhere around the world.

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Watch our story
Limitless payments technology

We work with some of the most innovative companies in the world

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Our platform

Built using the very latest native
microservices technologies, CLOWD9
delivers a customized issuer processor
that offers the following key features.

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Solutions

We are the world’s first cloud native decentralized issuer payments processing platform, empowering our customers with streamlined, customized, flexible and secure payments solutions.

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Developers

Re-think, re-design, test and create your
perfect payment products with CLOWD9’s flexible tools, microservice technology, open API’s and customized user portal. We own the full technology stack, giving us flexibility
to react to changes on demand, rolling out new functionality in a matter of hours, rather than weeks and months

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CLOWD9
The platform is uniquely designed with microservices architecture, enabling CLOWD9 to scale up and down according to transactional demand, making its platform energy efficient, resilient and highly scalable in ways never seen before in the payments industry.

Solutions

We are the world’s first cloud native decentralized issuer payments processing platform, empowering our customers with streamlined, customized, flexible and secure payments solutions.

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Travel & FX

Cross border payments, travel,multi-currency, remittance, real-time FX rates and spend in local currency.

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Challenger bank,
Consumer & SME

Neo-banks targeting D2D bankingcustomers, SME & Business bank accounts. Enhanced consumer and business banking products, including FX, multi-currency accounts, dynamic lending and virtual AR solutions.

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Gaming

Offering program managers, banks, neo-banks, Fintechs, a seamless solution for ApplePay, GooglePay, SamsungPayenabled. Integrated with Visa (VTS) & Mastercard (MDES) to allowmobile functionality for any program.

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Virtual cards

Embedded financial services, OTA
payments, check and wire replacements, providing instant, secure, one-time use of virtual accounts with configurable parameters, velocity limits and usage controls (location, MCC, MID).

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Corporate
products

Gig economy payments, government disbursements, expense management, fleet solutions, delivering real-time payouts, including instant virtual account creation, VISA/Mastercard transfer and account controls for customisable solutions.

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Gig economy payouts
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Government disbursement
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Expense management
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Fleet solutions
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Real-time payouts
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Customisable controls
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Crypto

Providing crypto-exchanges, neo-banks and Fintechs with an extended authorisation window allowing for
real time conversion and spend.

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E-wallets

Our standalone wallet solution
allows customers to hold ledgers
and connect to multiple payment methods.

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Our platform

Built using the very latest native
microservices technologies, CLOWD9
delivers a customized issuer processor
that offers the following key features.

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Cloud

CLOWD9 has been built entirely in the cloud, using the very latest in cloud native microservice technologies and elastic horizontal scaled architecture. Its decentralized design allows virtual access to the platform around the world, via ‘instances’, with payments transactions routed to the nearest cloud instance, providing unparalleled reliability, accessibility and scalability.

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Global

Our decentralized modular architecture offers rapid scalability and easy expansion to new geographies, delivering customized card and payments products anywhere in the world, supporting different languages, single or dual messaging, and compliance requirements.

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Automated

CLOWD9 is built entirely in the cloud, delivering a platform that can auto scale on demand, allowing for limitless API calls, optimized geo-partitioning, dynamic routing, automated infrastructure provisioning and testing, resulting in no performance down time during upgrades, quicker releases, and rapid delivery.

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Customized data

Our customized dashboards put you in complete control, allowing you to pull data and reports relevant to your needs, accessible to your teams,

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Microservices

With over 62 microservices, CLOWD9 offers unrivalled horizontal and vertical scalability, ensuring enhanced flexibility, rapid global deployment, increased resilience, as well as faster development cycles with no downtime during system upgrades.

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Migration

CLOWD9’s cloud native architecture provides a flexible framework to support processor migrations from legacy systems, further supported by an experienced team of payments experts, to ensure a smooth risk-free process,

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Carbon

Energy efficient by design, CLOWD9 is able to provide our customers actual carbon emission data for every transaction in real time, ensuring completing transparency and accuracy.

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