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Scalable fintech infrastructure platform

For regulated financial products at scale 

Modular platform with 50+ modules

500+ integrations for fast go-live

24/7 support for production environments

for regulated financial businesses

Innovations and achievements

WhiteTech is a product company building a modular fintech platform for PSPs, EMIs, neobanks, and Open Banking providers.

Launch with a ready platform—all designed for fast 
go-live and long-term scale

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01

Built an advanced Open Banking payment routing system that dynamically selects payment initiation providers and clearing routes to maximise coverage

02

Developed a proprietary payment verification solution that confirms receipt (not just initiation), reducing fraud and cancelled payments

03

Delivered a custom FinTech core to power neobanking, e-wallet and PSP platforms, supported by 500+ financial integrations

04

Scaled a distributed engineering team of 150+ specialists to build high-load, secure fintech platforms

8+
years of industry experience with a team of 200+ experts
500+
payment
integrations
for accepting payments at checkout, incoming and outgoing bank transfers, account top-ups, and other types of transactions
Advanced analytics

for each project with breakdowns by transaction type, payment country & method, and transaction currency.

Custom reports tailored for regulatory and provider audits, as well as financial reporting

High-End Security
PCI DSS, PSD2, DORA standards backed by 24/7 incident handling
50 modules
Fast Integration
of over 50 modules for your product through a single API. Launch from scratch within a month
Automated
Workflows
From currency conversions to settlement calculations and reconciliation

Want to dive deeper into our solutions, processes, and tech details?

Just let us know what you need and how fast — we’ll take care of the rest.

No technical background? No problem — we’ve got you covered
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Industry focus

Innovative & Uniques software solutions, that custom tailored for your business needs
PSP
Payment orchestrator
EMI

PSP

Best fit for

  • PSPs building a B2B processing platform with merchant onboarding
  • Businesses that need branded checkout and operational control
  • Teams requiring integrated KYB/AML tools, monitoring, and reporting

Not a fit for

  • Single-feature “just checkout” needs without a platform layer
  • Projects that don’t plan to run operational processes (reconciliation, disputes, reporting)

Typical outcomes

  • Single-feature “just checkout” needs without a platform layer
  • Projects that don’t plan to run operational processes (reconciliation, disputes, reporting)
  • Teams requiring integrated KYB/AML tools, monitoring, and reporting

Payment orchestrator

Best fit for

  • Multi-provider setups needing smart routing, failover, and coverage optimization
  • Teams that want routing logic by country, method, currency, and transaction type
  • Businesses requiring advanced analytics and custom reporting

Not a fit for

  • Single-provider setups with no routing logic or scale requirements

Typical outcomes

  • Better coverage and stability through dynamic routin
  • Better visibility across providers and transaction statuses
  • Less manual work via automated workflows (settlements + reconciliation)

EMI

Best fit for

  • EMI-style products needing multicurrency accounts (IBAN) and cards under one brand
  • Teams that want a scalable core with integrated KYC/KYB/AML and reporting
  • Businesses that need a platform designed for regulatory-grade operations

Not a fit for

  • Teams looking for a “lightweight” wallet without operational controls
  • Projects expecting regulatory responsibilities to be handled outside their organisation

Typical outcomes

  • Faster launch of core money flows using a modular foundation
  • Stronger auditability through logs, roles, and reporting
  • Controlled scaling across countries, currencies, and integrations
Serg Zakharov
Founder

With WhiteTech, we moved beyond integration to true invention

Our goal was to solve the deepest infrastructural problems PSPs and EMIs faced—fraud uncertainty and inefficient routing.

By creating the first systems for payment receipt confirmation and intelligent open banking routing, we didn’t just build software; we established new standards for security and efficiency in the payment layer. This is the power of focusing on the foundational technology others use to build their businesses.”

Serg Zakharov
Founder

Let’s create the best product experience for your project

Contact us

Built for your
growth — from day one

Tell us what you’re building or looking for — from separate platform modules to full fintech solutions.
We’ll get back with a tailored plan and clear next steps

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    Frequently asked questions

    1. What is your white-label fintech solution?
    WhiteTech provides a comprehensive, “business-in-a-box” fintech infrastructure. Our white-label solution allows you to launch your own branded payment orchestration, EMI or PSP platform without the need to build a core banking system from scratch. We provide the technical backend – including multi-currency IBANs, Visa/Mastercard issuance, and a robust payment gateway – while you maintain complete control over your brand identity and customer relationships.
    2. Who can benefit from this platform?
    Our platform is designed for three primary groups: Licensed Fintechs: Looking to expand their product offering and reduce operational costs. Traditional Banks: Needing to modernize their digital infrastructure to compete with neobanks. Non-Fintech Companies: Marketplaces, e-commerce giants, and SaaS platforms that want to embed financial services (Embedded Finance) into their existing ecosystem to increase user retention and revenue.
    3. How long does it take to set up?
    WhiteTech is engineered for maximum speed to market. While traditional infrastructure can take months to build, our modular platform allows for near-instant deployment. We can fully provision your technical environment in under 24 hours. This “plug-and-play” approach allows you to bypass long development cycles and move straight to configuration and testing, ensuring you can launch your branded fintech solution in record time.
    4. Can I customize the payment routing?
    Yes. Our Smart Routing Engine is fully customizable. You can set specific rules to route transactions based on currency, geographical location, transaction size, or the success rates of specific acquirers. This helps minimize processing fees and significantly increases your transaction approval rates by automatically sending payments to the provider most likely to authorize them.
    5. How does the platform handle chargebacks?
    WhiteTech provides a centralized dashboard to manage disputes across cards and bank transfers. Using rule-based workflows, the platform ensures compliance with scheme requirements and timelines. We automate representment by aggregating transaction data and evidence, reducing manual effort. Real-time reporting offers visibility into risk exposure and volumes, while full API and webhook support enable seamless integration with your back-office and risk management systems.