INTELLIGENT OPERATIONS
Fintech operations that scale without scaling headcount
Transaction volumes increase faster than most operational models are designed to handle, while chargeback rules continue to evolve on a quarterly basis and clients expect sub hour response times at all hours of the day. Traditional operations teams often struggle under that level of pressure. We build intelligent operational systems specifically designed to perform at that scale.
TRUSTED BY HIGH-GROWTH FINTECHS
The Problem
Operations gets harder every quarter and your team is already stretched
Transaction volumes go up. Chargeback rules change. New scheme mandates land.
Support tickets spike, resolution slows
As your client base grows, so does the volume of inquiries, disputes, and technical issues. Without structured L1/L2/L3 tiers and proper escalation paths, everything bottlenecks at the same small team.
Reconciliation and reporting are manual
Settlements, chargebacks, scheme fees reconciled in spreadsheets, cross-checked by hand, and delivered late. One missed exception can cascade into regulatory reporting problems.
Fraud slips through because nobody is watching at 2am
Fraudsters don't work business hours. Without round-the-clock monitoring, rule-based detection, and a team that can act immediately, you find out about fraud from your clients - not your systems.
What We Run
Six Operational Domains One Team
We don't just monitor dashboards. We run the full back-office — from real-time transaction monitoring through to dispute resolution.
Transaction monitoring and uptime
24x7 service monitoring with alerting and escalation. Dashboard monitoring, investigation of alerts, immediate escalation per defined runbooks. Tools: Coralogix, Datadog, NewRelic, CloudWatch, PagerDuty.
Fraud and risk handling
Real-time fraud detection with rule-based engines and ML models. Fraud queues, block/unblock workflows, integration with card controls and 3DS alerts. Prevention strategies and ongoing rule tuning.
Customer and cardholder support
L1 through L3 support across voice, chat, email, and in-app channels. Inquiry handling, card status updates, dispute assistance, and social media monitoring. Feedback loop to product and analytics.
Disputes and chargebacks
Full lifecycle chargeback management — rule-based tagging, document workflows, evidence gathering, and response generation. SLA tracking and Visa/Mastercard scheme alignment.
Reporting and reconciliation
Daily reconciliation of transactions, settlements, and chargebacks. Exception logs, scheduled pipelines for audit-ready data, and integration with BI tools like Power BI.
Onboarding and implementation
Platform onboarding for new clients. Merchant setup, KYC review, operations playbook creation, and weekly/monthly reporting. Secure infrastructure with role-based access.
How It Works
Structured support tiers not ad hoc firefighting
We run multi-tier support with defined response times, escalation paths, and KPIs for every level.
L1 operations - 24x7
- Customer support - voice and non-voice
- Transaction analysis and service monitoring
- Fraud analysis and queue management
- Implementation support and client onboarding
- Initial triage and ticket prioritisation
L2 operations - 24x7
- Production support and incident management
- Infrastructure and network security
- DevOps pipeline management
- Complex issue investigation and RCA
- Security operations and compliance support
AI Agents In Operations
Scheme Compliance Monitoring
Automatically tracks Visa and Mastercard bulletins, classifies changes as regulatory, policy, or informational, maps impact to affected business units, and generates compliance tickets in Jira. Replaces the manual process of reading circulars and emailing teams.
Incident Documentation Agent
Monitors DataDog, Prometheus, and PagerDuty to capture incidents automatically. Consolidates logs, metrics, and alerts into a unified timeline. Generates structured summaries, RCA skeletons, and client-ready status updates - so engineers resolve instead of documenting.
Client Onboarding Assistant
Ingests onboarding documents, extracts and validates configuration fields across ninety-plus parameters, and promotes settings across dev, staging, and production environments with controlled approvals. Cuts manual data entry and environment mismatches.
Due Diligence Agent
Screens entities against global sanctions, PEP watchlists, and adverse media. Generates onboarding risk summaries, maintains continuous re-screening of existing clients, and routes high-risk cases through enhanced due diligence workflows.
What Changes
Operations becomes a growth function, not a cost centre
The point isn't just to keep things running. It's to run them well enough that operations become a growth function, not a cost centre.*
*Based on Panasa client feedback surveys conducted across operational engagements in 2025.
Scale without proportional headcount
AI accelerators and automation handle the volume growth. You go from ten to fifty card programmes without a linear increase in ops cost. Outcome-based pricing means you pay for results, not seats.
30-50% COST REDUCTIONFaster resolution, better CSAT
Structured tiers, intelligent triage, and AI-assisted responses mean faster first-contact resolution. Your clients notice the difference - in response times, in accuracy, and in how quickly issues close.
9/10 CLIENT CSAT*Compliance handled, not chased
Reconciliation, scheme reporting, AML / KYC workflows, and regulatory submissions happen on schedule - not as last-minute scrambles. Audit-ready data pipelines mean you're always prepared.
ALWAYS AUDIT-READY
Why Panasa
Why Fintechs Choose Panasa
What sets us apart in the fintech development landscape
Payments Operations Experience
We have 20+ years working across card platforms, dispute lifecycles, scheme rules, and reconciliation workflows. This is all we do.
Proven at Scale
We manage 800M+ transactions across clients. We understand what high-volume fintech operations demand day to day.
Full-Stack Operations Team
We cover L1 to L3 support, fraud monitoring, disputes, reconciliation, and reporting. One team, one point of contact.
Compliance Built In
ISO 27001 certified, PCI-DSS aligned, GDPR compliant. Reconciliation, scheme reporting, and audit pipelines run on schedule.
Who This Is For
Fintechs that need operations to keep pace with growth
Issuer processors scaling transaction volumes and client count
Card platforms where fraud and disputes are growing faster than headcount
PSPs that need 24x7 monitoring they can't staff in-house
Fintechs looking to reduce ops cost without reducing service quality
How We Engage
Managed services
full 24x7 ops with SLA-backed outcomes
Team extension
embed ops specialists into your existing team
Project-based
set up monitoring, fraud systems, or reconciliation pipelines
Flex support
shared resources, 30-day rolling, scale when ready
Trusted by Fintech Leaders
Feedback from fintech partners delivering secure, scalable, compliant card platforms.
Panasa allows us to focus on growing our brands. With their fintech expertise, dedication, ability to scale our operations, and meticulous attention to detail, we're able to position ourselves as one of the most cutting-edge groups in payment solutions.
Tom Bishop
Chief Commercial Officer – Cleva
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.