Issuers
Deliver seamless, branded card experiences—physical, virtual or tokenised—with support for digital wallets and direct integrations with Visa, Mastercard and other global card schemes.
40 M+
Cards issued
30+
Issuers and acquires
20+
Markets
Designed for issuers, acquirers, fintechs and brands.
Acquirers
Acceptance with merchants at the centre. Optimise merchant management, streamline payment acceptance and accelerate settlements with a scalable and secure acquiring platform.
Fintechs
Whole stack accessible through APIs. Integrate scalable APIs to swiftly introduce innovative card, credit and acquiring services to the market.
Brands
Brand-first solutions. Create co-branded credit programs and merchant partnerships that drive loyalty, increase spending and boost customer engagement.
Technology that scales with you.
Pine Labs' unified platform simplifies issuing, acquiring and credit management, offering essential tools in a single scalable solution designed for seamless operations
and growth.
Issuer processing:
Simplified and secure.
Card Management System
Manage the entire lifecycle across credit, debit, prepaid and tokenised cards.- Go live fast with direct integrations to major card networks.
- Scale confidently with high-volume processing and built-in fraud prevention.
Card Switch
- Fast, reliable and secure switching for smooth, real-time card transactions across networks.
- High uptime ensures uninterrupted service.
- Integrated fraud risk management with real time monitoring.
UPI Issuer Switch
- Processing optimised for high-speed UPI transactions.
- Easily handles peak loads with infrastructure built for high TPS, ensuring reduced drop-offs.
- Certified by NPCI, ensuring regulatory adherence and seamless integration into India’s UPI ecosystem.
Credit Line on UPI
- Offer real-time credit access via UPI with instant KYC and activation.
- Set custom credit limits that match user profiles.
Co-branded Credit Cards
- Launch personalised, reward-rich cards that boost loyalty and brand engagement.
- Own the customer relationship with data access, real-time insights and customisable engagement tools.
- Fast go-live with ready-to-integrate white-labelled SDKs.
Acquirer processing:
Effortlessly efficient.
Powering seamless merchant acquiring for banks, fintechs and large enterprises.
Merchant Management
Fast merchant onboarding with automated workflows, customisable approvals and AI-driven decisioning.
Single dashboard for real-time visibility into performance and transactions, delivering actionable insights.
Real-time monitoring & settlement for complete visibility, fast payouts and streamlined reconciliation.
Acquirer Card Switch
Supports authorisation for Mastercard, RuPay, Visa and other leading networks.
Optimised routing and switching for cost-efficiency and improved performance.
Real-time forex conversion for international transactions.
Handle and settle On-Us and Off-Us transactions easily.
Payment Facilitator (PayFac)
Enable master merchant and sub-merchant hierarchies for flexible partnerships.
Tailor pricing, revenue sharing, and settlement models with a comprehensive fee module.
Unified statements for enhanced transparency across all transaction types.
Boost merchant engagement with value-added services.
Clearing and Settlement
Automated clearing workflows to minimise errors and save time.
Automated real-time reconciliation and reporting to ensure zero revenue leakage.
Multi-currency settlement for cross-border operations.
Built-in compliance and fraud prevention for secure and transparent transactions.
Enterprise-grade performance,
end-to-end.
Comprehensive card, credit, UPI and acquiring management.
From onboarding to dispute resolution.
Effortlessly manage high transaction volumes without any downtime.
Real-time fraud monitoring and compliance-ready infrastructure.
Trusted by leading banks, fintechs, brands and acquirers globally.
