Paymentology | Apis Partners

In 2014, Paymentology's founders looked at the payments industry and saw a problem worth solving: issuer processing was slow, limited, and had barely changed in decades. They built the first cloud-native processing platform to fix it. Paymentology became a technology pioneer in payments as a result.

In 2021, Paymentology joined forces with Tutuka, a processor with more than 23 years of large-scale programme experience and operations across 25+ countries. The combination brought together advanced multi-cloud platform technology and unmatched global reach. Today, 500+ payments experts process transactions across 60+ countries and 14 time zones, every hour of every day.

Issuer processing has lagged behind acquiring in terms of both innovation and technology adoption for years. That gap is closing and Paymentology is well placed to help it close faster.

Digital banks, retail banks, and fintechs are under pressure to move quickly, operate across multiple markets, technologies, devices and simultaneously meet rising compliance and security requirements. Paymentology's home grown, cloud-native platform named Lume is built for exactly that challenging time. It’s got real-time processing, global scalability, resilience, fraud detection built in, and a staff with empathic, cultural knowhow to make it all work.

As demand grows for digital-first, embedded finance and digital asset-linked payment experiences, Paymentology is well positioned to support long-term growth and innovation across more than 65 countries.

Paymentology’s approach is best described as global reach with local depth. Lume and its other tools operate across 65+ countries with no discernible downtime for billions of transactions, but what really makes the company stand out is the regional expertise behind the technology.

Paymentology prides itself on hiring payments experts who understand local regulation, behaviours, consumer rituals and market dynamics. By keeping empathy and humanity at the heart of technological possibility, Paymentology helps its clients reach for the stars.

That means enabling them to build payment products that genuinely fit the markets they serve: accessible, compliant and built around the way people actually pay, save and send their assets.

For many of those markets, particularly across Africa, APAC and LATAM, this also means helping more people participate in the digital financial system for the first time. Being able to change lives for cardholders has been a crucial part of Paymentology’s purpose since it was founded.