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 payment collection and merchant lending under your own brand, with no build required | D-PAY, the Determinds platform | A platform license with no upfront investment, charged as a fixed fee plus a percentage of each transaction. The processing core is PCI DSS Level 1 and SOC 2 Type II through Visa Acceptance Solutions, and you, or the bank that sponsors you, remain acquirer of record under your 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 payment collection and merchant lending
D-PAY is the white-label platform from Determinds through which banks and non-bank financial institutions offer payment collection and merchant lending under their own brand, within twelve weeks and with no upfront investment. It is built with Visa's ecosystem and hosted in Egypt, under arrangements compliant with Central Bank of Egypt requirements.
Explore D-PAYBuilt by Determinds
- Merchant onboarding, maker-checker approval, and service offers
- Pricing engine with blended, interchange-plus, and tiered rate cards
- Back office for your institution, with segregated provider sub-portals
- Local rails: Fawry, Aman, and Masary bill payments, valU, Sympl, and Contact installments, and Meeza QR
- Merchant lending, with loans pre-approved from transaction history and repaid through a holdback
- A white-label studio and Arabic-first bilingual screens
Visa's ecosystem, embedded and licensed through Determinds
- Cybersource payment processing and gateway
- Scheme connectivity across Visa, Mastercard, American Express, and Meeza
- 3D Secure 2.1 and 2.2 with frictionless routing
- Tokenization at gateway and network level
- Apple Pay, Google Pay, Samsung Pay, and Click to Pay
- Fraud detection and eKYC
- One dispute inbox across Visa, Mastercard, and American Express
What a deployment involves
Within twelve weeks from contract to go-live, around forty person-days of integration on your side, merchant self-onboarding in fifteen minutes once the platform is live, and no upfront investment. Your institution, or the bank that sponsors it, remains acquirer of record under its 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
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 an institution get something live?
With a licensed platform such as D-PAY, Determinds takes an institution from contract to go-live within 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.