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Paynetics Integration for Fintech Core

Connect Paynetics branded cards and payment accounts to your product with Fintech Core by DashDevs. Build customer journeys and back-office operations around the Paynetics services selected for your programme.

Book a Paynetics integration demo

Why Fintech Core + Paynetics

Paynetics provides cards and accounts. Fintech Core connects them to your product.

Fintech Core by DashDevs is a composable fintech infrastructure and orchestration platform. It sits between your product and Paynetics, handling each request and the records that follow from the provider response. The regulated services come from Paynetics under your agreement.

  • One journey from account to card

    A card is only useful when the customer can see where its money comes from. Fintech Core links the card to the Paynetics payment account that funds it, so app and back office share one record.

  • Programme choices kept explicit

    Paynetics supports issuing programmes configured with you, and BIN sponsorship for programme managers who run their own processor relationship. We set up the model your programme uses and keep that difference visible in funding and settlement.

  • A branded product on your rules

    Business spending cards and wallet-style consumer products start from the same building blocks. Your team keeps control of the interface and the business rules, while Fintech Core handles the connection to Paynetics behind them.

  • Keep your own Paynetics contract

    Your agreement and commercial terms stay between you and Paynetics. Fintech Core connects to the programme you have contracted, so the integration follows the setup and access you have agreed with the provider.

What's ready out of the box

Five capabilities you don't have to build.

  • Customer and account setup

    Create the customer and open the payment account for the Paynetics programme you have selected. Fintech Core tracks the provider response on the customer record until the account is confirmed.

  • Branded card journeys

    Request physical or virtual branded cards for a customer and manage each card through the lifecycle operations your programme supports, from activation to closure.

  • Account information and history

    Show payment-account details, balances and transaction history in your product. The same data is available to your back office, so support teams see what the customer sees.

  • Incoming and outgoing transfers

    Send and receive money on the rails enabled for your programme. Paynetics supports SEPA and Faster Payments, as well as internal transfers between accounts.

  • Card controls and visibility

    Apply the card controls your programme supports and follow card transactions as Paynetics reports them, with each transaction kept against the card it belongs to.

How a card request runs

The path from a customer's account request to a working card on their record.

  1. 1 Collect

    Your product gathers the customer's details and starts the onboarding checks agreed for your programme.

  2. 2 Request

    Fintech Core sends the customer and account request to Paynetics and records it while the provider processes it.

  3. 3 Connect

    Once Paynetics confirms the payment account, Fintech Core links it to the customer record and the funding journey.

  4. 4 Issue

    Your product requests the physical or virtual card through Fintech Core. It stays pending until Paynetics returns a status.

  5. 5 Update

    Provider responses and later events update the account and card records, including transfers that complete after the initial request.

  6. 6 Operate

    Your back office uses the resulting activity and references for customer support and reconciliation.

What lands on the customer record

Card status from Paynetics, plus the account and transaction data your teams work with.

Card status

Status Meaning
Pending
The card request is sent and Fintech Core is waiting for Paynetics.
Active
Transactions are allowed. Plastic cards also need a one-time activation once received.
Inactive
All card transactions are restricted. The card can be set back to active.
Closed
The card is terminated permanently and no further transactions can be made.

Each Paynetics status change is stored with its timestamp. The record keeps the card reference and state, never the full card number, CVV or PIN.

Data

  • Accounts

    Account details and currencies for each payment account, together with the balances and account status returned by Paynetics and linked to the customer.

  • Transactions

    Transfer references, transaction amounts and statuses, kept against the account or card they belong to so balances can be reconciled.

  • References

    Customer, account and card references from Paynetics, with the time of each request and response, so support can move between records.

What stays under your control

Fintech Core handles the Paynetics integration. The programme decisions below stay with your team.

  • Markets and customers

    You decide which countries you serve and whether you onboard consumers, businesses or both under your Paynetics programme.

  • Accounts and rails

    You choose the account currencies and the payment rails enabled for your customers in each market.

  • Card product

    You select the card network and the card products, along with the branded design your customers carry.

  • Sponsorship model

    You choose between a programme configured with Paynetics and BIN sponsorship with your own processor relationship.

  • Limits and go-live

    You set the funding model and spending limits, including the fees you charge, and decide when sandbox setup moves to production.

Ready to connect Paynetics to your product?

Tell us about your licence or Paynetics programme, your target markets and the workflows you need. We'll walk through the configuration your product requires.

Book a Paynetics integration demo

No commitment. Already working with Paynetics? We'll show you how to reuse your current setup.