Great Payments Unlimited Potential

Great Payments is a next-generation cloud-native payment processor and SaaS platform, designed to help financial institutions launch and scale card and payment solutions up to 5x faster — without the burden of legacy infrastructure. Power your entire payments ecosystem — issuing, acquiring, or both — with one unified, future-ready platform.

A Processor Built for Scale
A Platform Designed for Speed

Great Payments delivers the full power of modern payments — as a managed SaaS solution. At its core is the SOLAR engine, developed by Solanteq, a proven software vendor with decades of experience building mission-critical systems for banks and fintechs. Where Solanteq builds the technology, GrePa delivers it as a service: fully integrated, secure, and ready to run. No infrastructure to manage. No maintenance delays. Just full-speed innovation.

What you can
build with Great Payments

For
Issuers:

  • Manage current, IBAN, deposit, and e-wallet accounts
  • Issue digital, physical, or crypto cards 
  • Offer debit, credit, prepaid, or custom card products
  • Launch BNPL, installment, and annuity programs
  • Loyalty That Drives Retention — Not Just Points

For
Acquirers:

  • Accept domestic and cross-border card payments
  • Onboard merchants instantly with SoftPOS support
  • Enable multicurrency settlements and payment splits
  • Minimize integration time with prebuilt APIs

For Full-Stack Payments:

  • Full lifecycle control: issuing + acquiring
  • Unified dashboards for accounts, cards, and merchants
  • Real-time fraud controls, smart routing, and analytics
  • Flexible rules, alerts, limits, and custom workflows

Let Great Payments Handle the Complexity So You Can Focus on Growth

Great Payments delivers more than just features — it delivers strategic operational benefits:

SaaS-Delivered

Zero infrastructure burden, 99.99% uptime, always updated

Cloud-Native

Built for scale, agility, and instant deployment

API-First

Integrate with your systems fast, or launch out-of-the-box

Modular Design

Start small or go big — you control what’s active

Built-In Compliance

EMV, 3D Secure, PSD2, PCI-DSS-ready

Enterprise-Grade Support

Real humans, real SLAs, real outcomes

More Agility Less Overhead Full Control

Great Payments helps you move beyond outdated processors and rigid vendor models. Whether you’re modernizing infrastructure, launching a digital bank, or embedding payments into your platform, Great Payments gets you to market faster — without compromise.

  • $ Loyalty

Turn engagement into lasting relationships

Traditional loyalty programs often lack personalization and real-time responsiveness, leading to low engagement and poor retention.

Create with Great Payments behavior-driven campaigns based on spending patterns, lifestyle triggers, or financial habits. Whether it’s points, cashback, or tier-based rewards, customers see value instantly — all tracked and redeemed in-app.

  • Points, cashback, or tier-based models
  • Real-time rewards engine
  • Merchant-funded offers
  • In-app loyalty tracking and redemption
  • 3D Secure

Frictionless authentication. Solid protection.

Online payments are a frequent fraud target, but adding friction to checkout can damage conversion rates. Regulatory demands further complicate the UX.

Our 3D Secure module is EMV and PSD2 compliant, with smart authentication flows that minimize friction. Support for 3DS2, biometrics, OTP, exemptions logic, and built-in fraud scoring ensures both protection and seamless customer experience.

  • 3DS2 support (risk-based authentication)
  • Challenge flows with biometric or OTP
  • Data-rich request handling
  • Integrated fraud scoring and exemptions logic
  • Fraud Control

Stop fraud before it starts

Reactive fraud systems allow too many threats through or block legitimate users. Rule-only systems can’t adapt to evolving attack vectors.

Our AI-powered engine combines dynamic rules with machine learning to detect anomalies in real time — ensuring proactive protection without disrupting good user experience.

  • Rule-based + machine learning detection
  • Behavioral risk scoring
  • Velocity checks, geolocation, device fingerprinting
  • Real-time blocking or step-up verification
  • Processing

High-performance payment infrastructure

Legacy processors can be slow, opaque, and hard to integrate, making it difficult to support modern, fast-moving payment scenarios.

Our high-performance processing layer handles everything from authorization to settlement in real time. With ISO 8583 or REST API support, it’s fully transparent, offering smart routing, limits, alerts, and reconciliation tools to power financial operations.

  • Flexible and adaptable APIs
  • Real-time transaction routing
  • Clearing and reconciliation
  • Alerts, limits, and analytics dashboard
  • Issuing

Issue cards with total control

Launching new card products often involves long certification processes and rigid infrastructure, slowing time-to-market.

Our issuing platform lets you launch physical or virtual cards with full lifecycle management. Whether using BIN sponsorship or your own, we offer complete control — including instant issuance, spend rules, and support for provisioning into Apple Pay, Google Pay, and more.

Card Issuing

  • Сustomize and configure cards with open APIs
  • Instant issuance and lifecycle management
  • Custom spending rules and controls

Tokenisation

  • Provision cards to Apple Pay, Google Pay, Samsung Pay
  • Secure device binding and cryptographic validation
  • Token lifecycle management via API
  • Acquiring

Accept payments with confidence

Merchants need fast, secure, and global ways to accept payments. Complex onboarding fragmented across multiple systems create friction and increase operational costs.

Our acquiring solution enables fast merchant onboarding with robust online payment acceptance (Visa, Mastercard, etc.), 3DS security, and reporting. Ideal for PSPs, banks, fintechs and merchants, it ensures transparency and control from day one.

  • Multichannel acceptance (Visa, Mastercard, etc.) and settlement
  • 3D Secure integration
  • Merchant onboarding APIs
  • Chargeback handling
  • Detailed reporting

Use Cases

Digital Banking

All-in-One Digital Banking for Innovators and Institutions

Retail banks today face the pressure to modernize: customers expect a mobile-first, instant, and secure experience that goes far beyond traditional account management. GREPA provides a comprehensive digital banking stack that allows financial institutions to serve end users across the entire lifecycle — from onboarding and daily banking to card usage and loyalty.

Launch your own card program — virtual or physical — with customizable controls and instant issuance. Provision cards into Apple Pay, Google Pay, and other wallets via tokenisation APIs. Behind the scenes, our high-performance processing handles transaction flow from authorization to settlement. Whether you’re building a digital wallet, a payment app, or a full neobank, our platform gives you the infrastructure to start lean and scale globally.

Benefit from our fully customizable Mobile App framework that delivers real-time account visibility, card controls, biometric login, and push notifications — all backed by Processing infrastructure that ensures every transaction is handled quickly and transparently.

Issue and manage virtual or physical cards with full lifecycle control via our Card Issuing APIs. Enhance card functionality by provisioning tokens to Apple Pay and Google Pay. For online purchases, our 3D Secure solution delivers frictionless, PSD2-compliant authentication, reducing fraud while preserving UX.

Support everyday commerce with Acquiring functionality for card acceptance, and defend against threats using our real-time Fraud Control engine. Accept contactless payments directly on Android devices with SoftPOS — no extra hardware required. Add Loyalty programs to reward behavior and deepen engagement — points, cashback, merchant offers — all managed in-app.

With GREPA you are ready for innovation, scale, and real-time service delivery.

Scale payments with intelligent tools

Accept payments instantly and defend against fraud — while delivering a smooth checkout experience.

Our acquiring solution supports Visa, Mastercard, and other major networks, with fast merchant onboarding and advanced risk controls. Integrated 3D Secure ensures compliance and protection without harming conversion. Add AI-powered fraud detection that adapts to evolving threats and filters false positives in real time — keeping your payments flowing, your customers safe, and your chargebacks low.

 

B2B payments that drive business growth

Support your commercial clients with efficient acquiring and engagement tools tailored to their needs.

Our platform enables business users to accept payments securely via web or mobile, while benefiting from centralized reporting and real-time settlement. Issue corporate cards with configurable limits, live expense tracking and spending controls. With loyalty solutions built into the stack, you can introduce business rewards, rebates, or tiered incentives — helping clients increase retention, build vendor loyalty, and grow recurring revenue.

Banking where your users need it

Bring financial services inside your app, platform or marketplace — with full control over UX and compliance.

Empower your users with personal accounts and card-based payments, directly within your own product. Our APIs let you issue co-branded cards, process payments in real time, and onboard users with seamless KYC and AML checks. Whether you’re serving gig workers, online sellers, or marketplace vendors, you retain full control over branding, logic, and user flows — while we handle the complexity of financial infrastructure behind the scenes.

Flexible lending, secure infrastructure

Enable smooth buy-now-pay-later journeys with trusted verification and risk tools.

Offer credit options at checkout with confidence. Our solution combines workflows for customer verification via KYC, real-time fraud monitoring, and high-performance payment processing. Whether you’re building a BNPL flow, installments, loans, or flexible credit lines, you get the tools to verify, approve, and monitor usage securely — without interrupting the user experience. Build your own lending models on top of our scalable payment engine.

Ready to Transform Your Payments Stack?

Book a discovery call

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