AI Accelerated Fintech Engineering
Ship fintech platforms faster
We build card programmes, payment engines, and issuing platforms for regulated fintechs. Our teams use AI tooling to cut delivery timelines in half.
Trusted by High-Growth Fintechs
The Problem
Fintech teams are stuck maintaining instead of building
Most engineering organisations we work with are spending 60-70% of their time on maintenance and compliance remediation.
Scale breaks manual processes
What works at a million transactions falls apart at ten million. Exception handling, edge cases, and reconciliation gaps multiply faster than teams can patch them.
Compliance slows every release
PCI recertification, scheme mandate updates, FCA reporting changes — each one adds weeks to your release cycle when bolted on at the end instead of built in from the start.
Tech debt compounds quietly
Legacy code written three years ago now consumes most of your sprint capacity. New features get squeezed into whatever time remains, and quality suffers.
How We Work
Five stages, continuous feedback
No need to hire, train, and manage multiple teams. We're your end-to-end fintech engineering and operations partner.
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Scope
Problem framing, acceptance criteria, scheme rules mapped to requirements.
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Prototype
Competing approaches built on separate branches. Working code in days, not weeks.
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Validate
Automated linting, security scans, type checks. Issues caught and fixed before review.
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Test
AI-generated test suites from acceptance criteria. 80%+ coverage enforced at the pipeline level.
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Deploy
Progressive rollout with canary releases, automated rollback triggers, and full observability.
What We Build
Payment Infrastructure for Regulated Platforms
Core payment and platform capabilities delivered for issuers, programme managers, and embedded finance products.
Payment & Issuing
- Card issuing and programme management
- Authorisation and payment processing engines
- Visa and Mastercard scheme integrations
- Tokenisation and digital wallet enablement
- Open banking and embedded finance APIs
Platform Architecture
- API-first microservices for composability
- Event-driven workflows for real-time processing
- Multi-tenant design for programme managers
- Zero-trust partner integrations
How We Build
Production-grade from sprint one
We don't build prototypes that need to be rebuilt for production. Every platform is architected for the transaction volumes, compliance requirements, and operational demands of live fintech environments.
High availability
Multi-region deployment, failover routing, and observability stacks that give your ops team clear signal not noise at any transaction volume.
99.99% UPTIMEOperational visibility
Real-time dashboards, immutable audit logs, and traceable workflows. When something goes wrong at 2am, your on-call team can diagnose it in minutes.
FULL TRACEABILITYCompliance from day one
PCI DSS controls, FCA reporting hooks, and GDPR data handling designed into the architecture not discovered as gaps during your next audit.
PCI & FCA READY
Why Panasa
Why Fintechs Choose Panasa
What sets us apart in the fintech development landscape
Payment Engineering Experts
20+ years building card platforms. We speak authorization flows, 3DS, and scheme integrations fluently.
Proven at Scale
We work with platforms processing 10M+ transactions monthly. We understand what that volume demands operationally and technically.
Full-Stack Team
We cover everything from scoping and architecture to deployment and ongoing support. One engineering team, end-to-end delivery, no handoffs.
Compliance-First Approach
ISO 27001 certified, PCI-DSS aligned, GDPR compliant. Compliance is built into how we work, not added at the end.
Who This Is For
Built for regulated high-growth fintechs
Issuer processors scaling card programme volume
PSPs and acquirers modernising legacy stacks
Neobanks expanding into new markets and schemes
BaaS providers managing complex partner integrations
How We Engage
Engineering squads
month-to-month, flexible
Project-based
fixed scope, milestone billing
Managed services
24x7, SLA-backed
GCC delivery
your own offshore hub
Trusted by Fintech Leaders
Feedback from fintech partners delivering secure, scalable, compliant card platforms.
Panasa has been a great asset in developing our payment solutions, acting as a true extension of our team while enabling us to accelerate delivery and scale with confidence. We highly recommend their fintech engineering services.
Giovanni Santini
Chief Executive Officer – Osper
Frequently AskedQuestions
Everything you need to know about Panasa. From capabilities to how we deliver results.
Panasa provides end-to-end engineering, infrastructure, and operations support. We help design, build, scale, and run secure financial platforms reliably.
We work with issuer processors, neobanks, payment service providers, BaaS platforms, and programme managers across the UK, EU, and APAC regions.
Yes. We are ISO 27001 certified and PCI-DSS aligned. Compliance is built into our engineering and operations processes from day one, not bolted on afterwards.
Absolutely. We currently support platforms processing over 10 million transactions monthly, with multi-region deployments and 24x7 operational monitoring.
We are payment specialists, not generalists. Our team has 20+ years of experience in card platforms, scheme integrations, and regulated fintech environments. We offer end-to-end ownership from engineering through to 24x7 operations.