By designing the best user-friendly payment solutions to suit tier-1/tier-2 banks, fintechs, PSPs /SME customers’ needs, BPC has emerged as a formidable force.
The banking sector is intensely competitive, with each institution striving to deliver superior services across customer segments. Four decades ago, most transactions required a branch visit; technology brings banking to customers’ doorsteps. Banks now partner with neobanks, retailers, e-commerce platforms, and enterprises, and offer personalised services tailored to individual needs.
Our contributions as a global payment service provider have been recognised with this award.”
— Maxim Pavlov, Head of Delivery, BPC.
As consumers and businesses gravitate to apps and modern payment tools, BPC’s “two steps ahead” approach anticipated the shift. The platform delivers scalable, multi-channel acceptance rails—from SoftPOS, QR, and biometrics to AI-personalised e-wallets and embedded finance—through a single open-API stack. It supports any currency, plus crypto and CBDCs, and enables modern, convenient digital experiences via multi-purpose apps for consumers, agents, and merchants.
1. Next-generation acquiring offering: BPC’s acquiring and switching platform is a high-performance, multi-currency, multi-channel hub scaling from one processor to multi-country networks. Certified for international and domestic schemes—and ready for CBDC, crypto, QR, and A2A rails—it delivers 99.999% uptime via active-active architecture and dynamic load balancing. Over 30 national projects use BPC to build or modernise switches, enabling instant payments, QR acceptance, and SoftPOS in a single secure, compliant environment. Modular deployment lets institutions replace legacy systems or run in parallel for zero-downtime migration. Customers freely use interfaces such as Diners Club, SEPA, JCB, Visa, American Express, Mastercard, or national platforms.
2. Digital excellence: SmartVista turns any smartphone into a fully-fledged mobile bank, offering intuitive, secure access to accounts and digital payments. Consumers enjoy multi-currency e-wallets, mobile and internet banking, while merchants gain a dedicated app and portal for real-time sales, settlements and loyalty. Agent- and SME-banking modules extend reach to rural communities, and embedded-finance APIs let partners launch new services in weeks.
3. Advanced security: SmartVista Fraud Management combines supervised/unsupervised ML with rules to stop fraud across mobile, e-commerce, POS, ATM and digital banking in real time. It provides dynamic risk scoring, adaptive authentication and behavioral profiling via a low-code interface so institutions can tune models without data-science teams. Built-in case management, link analysis and fuzzy matching reveal organized crime rings. Eight global data centers comply with PCI DSS, 3DS2, PSD2 SCA and AML. Rapid, region-specific deployment protects customers as volumes soar. BPC’s experts designed Fraud Management as a Service, plus Risk-Based and Transaction-Based Authentication, delivering protection for accounts and transactions.
4. Modern issuing capabilities: SmartVista empowers issuing capabilities of banks, fintechs to launch credit, debit, prepaid and virtual or tokenized cards or even CBDC and crypto wallets on-premise or as a service. High-volume processing, global-scheme connectivity and 24/7 availability make it a future-proof alternative to vendors like ACI, Paymentology, OpenWay, HPS, FIS Global or others. Open APIs and drag-and-drop templates accelerate product design ad roll-out, link multiple brands and accounts to one customer record, and add BNPL or dynamic pricing in minutes. Full PCI compliance and AI-ready analytics ensure every transaction is secure, insightful and instantly settled.
Catch more Fintech Insights : The CFO’s New Analyst: Using Generative AI for Strategic Financial Modeling
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