Payments infrastructure powering modern fintech platforms

For fintechs building real‑time money‑movement experiences, the Peregrine™ funds transfer gateway offers a single connection into the major debit networks — giving you instant reach to nearly every U.S. debit card.

Traditionally used by financial institutions to move funds securely and at scale, the gateway supports high‑volume push and pull transactions across Visa^®, Mastercard^®, PULSE^®, STAR^® and the SHAZAM payments network.

With a sponsor financial institution, fintechs can use this same rail to power instant payouts, wallet loads, account funding, bill pay, refunds and more — all through one integration. It’s a streamlined, compliant way to deliver instant payments without stitching together multiple partners.

For fintechs looking to optimize economics and control their payment flows, the SHAZAM payments network provides a large domestic debit network that pairs seamlessly with global brands while supporting Durbin‑compliant routing.

Historically relied on by issuers and merchants for secure, nationwide debit acceptance, the network handles everything from PIN‑based transactions to ecommerce and contactless payments.

Fintechs can leverage this network to improve routing flexibility, reduce costs and strengthen reliability across in‑store, online and in‑app transactions. It’s a powerful way to enhance performance and margins while maintaining broad acceptance across the U.S.

For fintechs creating modern spend experiences, our debit program capabilities powered by Peregrine™ processing solutions offer a unified way to launch branded cards, enable digital wallets and deliver real‑time controls — all without adding operational complexity.

Peregrine™ was built to manage the full debit‑card lifecycle on a single unified platform — integrating card issuing, transaction processing, fraud protection and network connectivity into one streamlined environment.

Fintechs can use this stack to build digital‑first card programs, companion cards for financial apps, rewards‑driven experiences or spend‑management tools. With flexible program controls and integration point, you can bring a differentiated card product to market and scale it quickly.

For fintechs that want to offer a polished, real‑time banking experience without building a front end from scratch, DigiHive™ digital banking provides a unified online and mobile platform that can sit on top of nearly any core.

Originally designed to help financial institutions deliver intuitive digital banking, DigiHive™ gives users real‑time visibility into their accounts, secure money movement and personalized controls.

Fintechs can use DigiHive™ as a white‑label interface for neobanks, embedded banking products or companion apps — accelerating time‑to‑market while maintaining a seamless, modern user experience backed by SHAZAM expertise and customer support.

For fintechs building full‑stack financial products, KinetiCore™ offers a modern core platform that becomes even more powerful when paired with the right financial‑institution partner.

Long used by community banks to run their day‑to‑day operations, KinetiCore™ handles everything from account management to card activation, loan origination and virtual card issuance — all within a stable, high‑scale environment.

Fintechs can tap into this same infrastructure to stand up connected accounts, embed lending, power card programs and orchestrate money movement without relying on middleware or patchwork integrations. With open APIs, strong documentation and flexible connectivity, KinetiCore™ gives your developers room to build quickly while our compliance support helps you stay aligned with regulatory expectations as you scale.