Fintech, banking and payments
Determinds designs, builds, and maintains payment infrastructure for banks, payment companies, and institutions working under central bank supervision, covering gateway and acquiring systems, invoicing and collection platforms, lending and merchant workflows, and the core banking integrations that sit underneath them. Our team supports each system after launch, inside your change control, security review, and audit schedule, under service levels contracted with your institution.
01 Choosing a route
A platform to license, or a system to own
Determinds offers a licensed platform for a fast launch and custom development for systems you own, and your first conversation with our engineers settles which one fits your institution.
| If you want to | The right route | What it includes |
|---|---|---|
| Launch merchant acquiring under your own brand, with no build required | D-PAY, the Determinds platform | A platform license. The processing core is PCI DSS Level 1 and SOC 2 Type II through Visa Acceptance Solutions, and you remain acquirer of record under your own license. |
| Build or extend a system you will own | Custom development | A custom build from a team with systems already in production inside banks. |
| Deploy or support a platform you already license | Deployment and support | Consultancy, deployment, and support, delivered across six countries under the Visa engagement. |
| Solve a document, AI, or automation problem | AI systems | Custom AI development, with Arabic document intelligence as the fastest place to start. |
02 Built and maintained
Built for each institution, maintained under its controls
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03 The validation record
A record tested by banks and auditors
Determinds systems have passed bank penetration tests, external security audits, and a Central Bank of Egypt approval.
| Bank penetration tests passed | Two, conducted by the in-house information security teams at National Bank of Egypt and Banque Misr. |
|---|---|
| External security audits passed | Three, including an independent audit by Zerosploit. |
| Central Bank of Egypt approvals navigated | One, on a live payment platform. |
| Core banking platforms integrated | Two, in production. |
| Third-party integrations delivered | Four, across schemes, switches, and identity providers. |
| Load-tested throughput | 2,000 transactions per second, approximately 100 times current peak production volume. |
| Contracted uptime | 99.99%, with 99.992% achieved over the trailing twelve months. |
| Priority-one resolution | 2 hours contracted, against a median of 1.25 hours in practice. |
04 The Determinds platform
D-PAY, white-label acquiring for banks
D-PAY is a white-label merchant acquiring platform that a bank deploys to launch and run acquiring under its own brand, with no custom build required. It is multi-tenant, and the layer Determinds owns is hosted to Central Bank of Egypt expectations.
Explore D-PAYBuilt by Determinds
- Merchant lifecycle, onboarding, and maker-checker KYC
- Pricing engine with blended, interchange-plus, and tiered rate cards
- Bank back office with segregated provider sub-portals
- Local rails, including bill payment and installment credit connectors
- Merchant financing underwritten from acquiring behavior
- Arabic-first bilingual surfaces with right-to-left throughout
Embedded and licensed through Determinds
- Gateway and payment processing
- Scheme connectivity across Visa, Mastercard, and Meeza
- 3D Secure authentication
- Tokenization at gateway and network level
- Fraud screening
- Dispute workflow
What a deployment involves
Twelve weeks from contract to go-live, around forty person-days of integration on the bank's side, and merchant self-onboarding in fifteen minutes once the platform is live. The bank stays acquirer of record under its own license, and the processing core is PCI DSS Level 1 and SOC 2 Type II through Visa Acceptance Solutions.
05 Frequently asked
Questions banks ask
Are you PCI DSS certified?
Determinds is the technology provider, not the certified entity. Certification sits with the financial institution, as it does with any technology vendor. Our systems operate inside our clients' compliant environments. On D-PAY, the processing core is PCI DSS Level 1 and SOC 2 Type II through Visa Acceptance Solutions, and the bank remains acquirer of record under its own licence.
Have your systems been through a bank's own security review?
Yes. National Bank of Egypt and Banque Misr have each penetration-tested Determinds systems with their in-house information security teams. Determinds has also passed three external security audits, including Zerosploit, and navigated one Central Bank of Egypt approval on a live payment platform.
What does deploying a platform into a bank's infrastructure involve?
Deploying into a bank's infrastructure covers integration with core banking, a pass through the bank's information security review, and work inside its change control from the first environment onward. On the Visa eKYC platform, Determinds is contracted for technical consultancy, deployment, and support across six countries.
Can the workload be hosted in Egypt?
The layer Determinds builds and owns is hosted in Egypt. Where a platform embeds third-party processing components, data residency is agreed contractually with that provider's regional organization and settled during deployment.
How quickly can a bank get something live?
With a licensed platform such as D-PAY, Determinds takes a bank from contract to go-live in roughly twelve weeks, with around forty person-days of integration effort on your side. For a custom build, 8 weeks to a first production release is typical, with scope sign-off within 5 working days of receiving requirements.
What is the fastest way to test the fit?
A document or reconciliation project is the fastest way to test the fit with Determinds. Arabic optical character recognition on unstructured invoices is a challenge many Egyptian banks share, and it takes weeks rather than quarters, which shows you how our team scopes, communicates, and hands over.
Fintech
Start with a focused project that proves the fit
Determinds scopes a document or reconciliation problem within 5 working days of receiving requirements, giving your bank a focused first project ahead of any platform decision.