Do you build regulated payment products?

We build the software and integrate with licensed payment partners, acquirers and gateways. Licensing stays with you or your partner, and we design the product to meet their technical and compliance requirements.

How do you keep card data secure?

We use gateway-hosted fields and tokenization so card data never touches your servers, which keeps PCI DSS scope small. Access, logging and encryption follow your security policies.

What is agentic commerce and why does it matter?

It is AI agents finding, comparing and paying for things on a customer’s behalf. Products need clear permissions, spending limits and audit trails so agent-initiated payments are safe and verifiable.

Can you integrate with our POS, ERP and banking systems?

Yes. Most of our fintech work is integration: point-of-sale, ERP, payment gateways and banking APIs, confirmed with your team and partners before the build.

How long does a first payment product take?

A focused first release, such as one payment flow with a merchant dashboard, typically takes 10 to 14 weeks including integration and testing.

Why Sofyrus instead of a large consultancy?

We are a product engineering firm that has built live payment products. We design, build and test them ourselves, so you get working software in weeks at a predictable cost.

FINTECH & PAYMENTS

Payments are becoming agentic. Build for it now.

Sofyrus builds payment products, finance platforms and AI agents with secure flows, accurate ledgers and the controls regulators and auditors expect.

Discuss Your Fintech Product See What We Build

57%

of executives expect agentic payments to be mainstream within three years (Accenture)

250+

software projects shipped

14+ years

of product engineering

WHAT'S CHANGING

Payments now

Capital and attention are moving to AI in finance, but returns take discipline. Sources: Accenture Banking (2026), KPMG Pulse of Fintech (2026), PwC Executive Views survey (April 2026).

57%

of executives expect agentic payments to be mainstream within three years (Accenture)

$16.8B

invested in AI-driven fintech in 2025 (KPMG)

81%

of executives say AI returns beyond basic efficiency are at least a year away (PwC, 2026)

(PERSPECTIVES)

Five AI moves for fintech and payment teams

WHAT WE BUILD

AI-first fintech products we build

Working software in weeks, built with compliance-ready controls from day one.

Payment products and apps

Wallets, checkout, tipping and pay-at-table products with tokenized card and wallet payments. Moves conversion and payment speed.

PaymentsMobile

Merchant dashboards

Sales, payouts, fees and refunds in one place for merchants and finance teams. Moves support tickets and reconciliation time.

DashboardFinance

Ledger and settlement

Double-entry ledgers, settlement, payouts and daily reconciliation. Moves reconciliation exceptions.

LedgerSettlement

Finance operations agents

AI agents for onboarding checks, reconciliation exceptions and disputes, with human approval. Moves cost per case.

Agentic AIBack office

Risk and fraud tooling

Real-time risk scoring, rules and analyst case management. Moves fraud losses and false declines.

FraudRisk

Agent-ready payment APIs

APIs, permissions and audit trails that let customers and AI agents transact safely. Moves partner integrations.

APIAgentic commerce

01 — IS THIS YOUR PRODUCT?

01 / 03

Fast to demo. Hard to trust in production.

For fintech founders and payment teams launching a new product, and finance organizations whose tools must handle money flows reliably. It fits teams that need a partner for product engineering, integrations, and release quality, not just front-end screens.

A person holding a smartphone displaying a dashboard

Payment integrations

Gateways, wallets, cards, and POS systems that must work together every time.

Reconciliation

Transactions, fees, tips, and payouts that must match exactly.

Release risk

Every release touches money, so regressions are expensive.

02 — HOW WE BUILD

02 / 03

Secure flows. Accurate ledgers. Tested releases.

We design payment products around the full money flow, from the customer's tap to the merchant's settlement.

Secure by design

Tokenized payments, role-based access, audit trails, and security testing before launch.

Reconciliation built in

Every transaction traceable from payment to payout.

Release testing at scale

Automated regression testing with Robonito, our AI test-automation product.

03 — FINTECH DELIVERY EXPERIENCE

03 / 03

Payments and finance products, delivered.

Thankio, part of the Saudi Brothers group and an alternative to pay-at-table platforms like qlub, is a Sofyrus client. For Focus9 ERP, we ran regression testing at scale.

Discuss your fintech product

person using laptop computer holding card

Thankio / Pay-at-table

A restaurant payments product from the Saudi Brothers group, built as an alternative to qlub.

Focus9 / ERP testing

Regression testing with Robonito: 200+ tests and 8,000+ executions in two weeks.

Security & compliance

SOC 2 and ISO 27001 readiness and VAPT through our partnership with Scrut Automation.

SOFYRUS DELIVERY FRAMEWORK

A fintech product delivered with release discipline.

Every release is tested against the money flow before it reaches customers.

Scroll to follow the plan

Delivery phase

01 / Discover

Map the money flow, user journeys, partners, and regulatory requirements. Define the first release.

Phase 1 of 6

Delivery phase

02 / Design

Design payment flows, ledgers, reconciliation, security controls, and integrations with gateways, POS, and banks.

Phase 2 of 6

Delivery phase

03 / Build

Build in increments with code review, automated tests, and working demos every sprint.

Phase 3 of 6

Delivery phase

04 / Test

Test failure paths: declined payments, partial refunds, duplicate callbacks, timeouts, and reconciliation gaps.

Phase 4 of 6

Delivery phase

05 / Launch

Launch to a bounded set of merchants or users with monitoring, alerting, and a rollback plan.

Phase 5 of 6

Delivery phase

06 / Operate & Scale

Monitor transactions and add features, partners, and markets through a controlled release process.

Phase 6 of 6

Delivery phase

01 / Discover

Map the money flow, user journeys, partners, and regulatory requirements. Define the first release.

Phase 1 of 6

Delivery phase

02 / Design

Design payment flows, ledgers, reconciliation, security controls, and integrations with gateways, POS, and banks.

Phase 2 of 6

Delivery phase

03 / Build

Build in increments with code review, automated tests, and working demos every sprint.

Phase 3 of 6

Delivery phase

04 / Test

Test failure paths: declined payments, partial refunds, duplicate callbacks, timeouts, and reconciliation gaps.

Phase 4 of 6

Delivery phase

05 / Launch

Launch to a bounded set of merchants or users with monitoring, alerting, and a rollback plan.

Phase 5 of 6

Delivery phase

06 / Operate & Scale

Monitor transactions and add features, partners, and markets through a controlled release process.

Phase 6 of 6

RELEASE CRITERIA

Four practical questions guide the release decision.

Agree what “safe to launch” means.

Measure

Money flows reconcile

Evidence to review

Payments, fees, tips, refunds, and payouts match across systems in test and pilot runs.

Measure

Failures are handled

Evidence to review

Declines, timeouts, and duplicate events are handled without double charges or lost funds.

Measure

Security is verified

Evidence to review

Access control, data protection, and penetration testing reviewed before launch.

Note

Targets are agreed with your team and checked against your current baseline.

A CONCRETE WAY TO START

Choose the engagement that matches where your product is today.

Three ways to start.

Most teams start with a Product Assessment, then build and launch the first release with a dedicated team.

DEFINE THE PRODUCT

Fintech Product Assessment

Money-flow map, integration and compliance requirements, release plan, and a costed proposal. Written scope and deliverables Risks identified before build

Request an assessment

BUILD & LAUNCH

First Release Delivery

Product engineering, integrations, security testing, and launch for your first release. Acceptance criteria agreed in advance Release testing with Robonito

Discuss a build

RUN & SCALE