Banking & payment software
Proven banking software, ready to license and make your own
We take established banking and payment platforms, extend them with our engineering partners, and license institution-grade software to payment providers across the European Union — with source-level access and full control.
- Built for EU payment institutions
- Source-level access & control
- Proven core — not built from scratch
Who we are
A software company built for the payments industry
AltSwap is a technology company — a software vendor, not a financial institution. We acquire established banking and payment software, extend and configure it to precise institutional requirements, and license the resulting platform to regulated financial businesses across the European market, with source-level access so they keep full control.
We build, integrate and maintain the software; our licensees are the ones who run the accounts, process the payments and issue the cards on it. Starting from a proven codebase means they skip the cost and risk of building a core from scratch — and get to market in a fraction of the time.
Platform
One modular platform, across the payments stack
A composable set of software modules — accounts, payments, cards and operations. We build and license them; the institution runs them. Take the full stack, or only what you need.
Accounts & real-time ledger
Software for running multi-currency accounts with IBANs on a real-time, double-entry ledger — every event posted as balanced, auditable journal entries.
Payment processing
A processing engine institutions use to move inbound and outbound transactions across SEPA, SEPA Instant and cross-border rails, with configurable fees and limits.
Card issuing & processing
Software to run virtual and physical card programmes — tokenization, 3D Secure and program management built in.
Onboarding & KYC/KYB
Configurable onboarding and verification flows an institution runs for individuals and businesses, with 2FA and case-based review.
AML & fraud monitoring
An anti-fraud workspace with transaction monitoring, sanctions screening and case handling — including disputes, refunds and chargebacks.
Reconciliation & reporting
Settlement, reconciliation and real-time reporting built into the software, with full audit trails and user-action history.
Back-office operations
A ready-to-run operations workspace for the institution’s team — roles, product configuration, limits and day-to-day administration.
Self-service & terminals
Management, processing and monitoring software for the institution’s self-service and terminal networks, configured to local requirements.
APIs & integration
An API-first design with clean interfaces and connectors, so the platform plugs into the institution’s existing systems and providers.
Solutions
Shaped to how an institution operates
The same software, packaged around a specific product and operating model, and tailored to the institution that will run it. We deliver and support the platform; you operate it.
Core banking & accounts
Software for institutions that run accounts, ledger and payments — a configurable core shaped to your products and operating model.
- Configurable accounts, products and ledger
- Payment processing and reconciliation
- Modernize a legacy core at your own pace
Card & payment programmes
Software for EMIs and PSPs launching or scaling card and payment products — the issuing, processing and rails behind them.
- Card issuing & processing
- SEPA, SEPA Instant & cross-border payments
- Fees, limits and settlement management
Self-service & terminal software
Software for operators of self-service and terminal networks — management and processing configured to local requirements.
- Network and device management
- Transaction handling and monitoring
- Operations and support tooling
How we work
From a proven base to production
A disciplined path from mature software to a platform running inside an institution — without a rip-and-replace migration.
Acquire
We start from established, proven banking and payment software instead of reinventing the core.
Customise
We configure and extend it to the institution’s products, rules and operating model — with source-level access.
Integrate
We connect the platform to existing systems and providers through clean, documented APIs.
Support
We maintain and evolve the software across its lifecycle — bug fixes, security updates and dependable support.
Why AltSwap
Proven software you can own and control
What sets our approach apart in a market where reliability is everything.
Proven foundations
We build on battle-tested platforms, so institutions get capability without the risk of a ground-up build.
Own & control
Source-level access keeps licensees vendor-independent and free to adapt the software to their needs.
Modernize at your pace
Extend or replace components step by step — no big-bang, rip-and-replace migration required.
Built for the EU
Engineered around the European payments market, its rails and its requirements.
Security & resilience
Trust engineered into every layer
Security and operational resilience are treated as core requirements — both in how we build the platform and in what it lets institutions do.
SecuritySecure by design
Encryption, access control, least-privilege and audit trails applied throughout, backed by a secure development lifecycle.
Embedded compliance controls
The platform provides the controls institutions rely on — KYC/KYB, AML transaction monitoring, sanctions screening and dispute handling.
Operational resilience
High availability, backups, disaster recovery and business-continuity design so critical services keep running.
Controlled change
A structured development and change process — review, testing, traceability and timely security updates at every step.
Who we work with
Financial businesses across the EU
We work with regulated payment institutions, EMIs, PSPs and fintechs in the European Union that need dependable software — whether launching new products or modernizing a legacy core.
- EMIs launching account and card programmes
- PSPs and payment institutions scaling payment processing
- Institutions modernizing legacy core infrastructure
- Operators integrating self-service and terminal networks
Ready to build on proven payments technology?
Get in touch and we’ll walk you through how the platform can fit your institution.