Intelligent Payment Solutions for the Financial Sector

Secure payment solutions and embedded finance capabilities enabling seamless transactions, stronger fraud prevention, and scalable payment ecosystems.

TrustStamp logo
Mambu logo
Enrouteq logo
Coinquista logo

Comprehensive Payment Technology Services

We design, build, and optimize payment systems that process transactions securely at scale. From real-time payment rails to embedded finance integrations, our solutions help payment companies reduce friction, prevent fraud, and unlock new revenue streams.

Payment Gateway Development
Payment Gateway Development
Build robust payment gateways that handle high transaction volumes with sub-second processing times. Multi-currency, multi-method, and designed for global scale.
Fraud Detection & Prevention
Fraud Detection & Prevention
AI-driven transaction monitoring that identifies fraudulent activity in real time. Behavioral analytics and pattern recognition reduce chargebacks while minimizing false declines.
Embedded Finance Integration
Embedded Finance Integration
Enable non-financial platforms to offer payment, lending, and insurance products through white-label APIs. Accelerate time-to-market for Banking-as-a-Service offerings.
PSD2 & Open Banking
PSD2 & Open Banking
Implement secure open banking APIs that comply with PSD2, PSD3, and regional payment regulations. Enable third-party access while maintaining data security and customer trust.
Real-Time Payment Processing
Real-Time Payment Processing
Build instant payment infrastructure supporting SEPA Instant, Faster Payments, and real-time clearing networks. Deliver funds in seconds, not days.
Reconciliation & Settlement
Reconciliation & Settlement
Automate reconciliation workflows across multiple payment channels and partners. AI-powered matching reduces manual effort and accelerates settlement cycles.
Tokenization & Security
Tokenization & Security
Protect sensitive payment data with PCI-DSS compliant tokenization. Secure cardholder information across the entire transaction lifecycle without impacting user experience.
Payment Analytics & Insights
Payment Analytics & Insights
Gain deep visibility into transaction flows, conversion rates, and customer behavior. Real-time dashboards and predictive analytics drive smarter business decisions.

Our Track Record in Payment Technology

15+
Years of Experience
85+
Clutch Reviews
4.9
Clutch Score
Karol Stępień
Karol Stępień
CEO, 10Clouds Financial Institutions

Build Payment Infrastructure That Scales

Whether you are launching a new payment product or modernizing existing infrastructure, we bring the technical depth and financial domain expertise to deliver.

SCHEDULE A CONSULTATION

AI-Driven Innovations for Payment Ecosystems

Intelligent Transaction Routing
Intelligent Transaction Routing

Optimize payment success rates with AI models that dynamically select the best acquirer, processor, or payment method for each transaction based on real-time performance data.

Chargeback Reduction
Chargeback Reduction

Deploy machine learning models that predict and prevent chargebacks before they occur. Reduce dispute rates and recover revenue with automated representment workflows.

Dynamic Risk Scoring
Dynamic Risk Scoring

Assess transaction risk in real time with adaptive scoring models that learn from every payment. Balance fraud prevention with authorization rates for optimal conversion.

Customer Behavior Analytics
Customer Behavior Analytics

Understand spending patterns, predict customer needs, and deliver personalized payment experiences. AI-powered segmentation drives loyalty and increases transaction volume.

We are appreciated by the largest industries

Top AI Company 2025

According to

Award logo
Top Generative AI Company 2025

according to

Award logo
Among Top 1000 Companies of 2024

According to

Award logo
Top 15 Design Team in the World

According to

Award logo
10C Logo

10Clouds: Your Trusted Partner for Payment Innovation

PCI-DSS Compliant

Development Practices

Security is built into every layer of our payment solutions. We follow PCI-DSS standards throughout design, development, and deployment to protect cardholder data and maintain compliance.

High-Throughput

Transaction Processing

Our architectures are designed for millions of daily transactions. Horizontally scalable, fault-tolerant systems ensure your payment platform performs reliably under peak loads.

Multi-Acquirer

and Multi-Method Support

We build payment platforms that integrate with multiple acquirers, processors, and alternative payment methods. Expand into new markets without rebuilding your infrastructure.

Real-Time Monitoring

and Alerting

Comprehensive observability across your payment stack. Dashboards, alerts, and anomaly detection ensure issues are identified and resolved before they affect customers.

Rapid Iteration

with Proven Components

Pre-built payment modules and battle-tested integration patterns accelerate delivery. Launch new payment features in weeks, not months, without compromising quality.

See Our Work in Action

Discover how we build secure, scalable payment systems for our clients.

Trust Stamp

TrustStamp is a computer vision and biometric startup that provides identity and trust as a Service to answer two fundamental questions: “Who are you?” and “Do I trust you?”. 10Clouds has been providing a staff augmentation service for TrustStamp for over 5 years.

Machine Learning
Python Backend
UX/UI
Team Extension
Team Extension
Trust Stamp case study image

Choose the Engagement Model for Your Payment Platform

Payment Team Augmentation

Add experienced payment engineers and architects to your team. Fill gaps in fraud detection, gateway integration, or compliance expertise without long hiring cycles.

Managed Payment Module

Outsource a defined payment feature or integration to our team. We handle the full delivery lifecycle while you focus on core product development.

End-to-End Payment Platform

From architecture through to launch and optimization, we build complete payment platforms designed for security, scale, and regulatory compliance.

Karol Stępień
Karol Stępień
CEO, 10Clouds Financial Institutions

Ready to Elevate Your Payment Experience?

Our payment technology experts help you reduce transaction costs, prevent fraud, and scale your payment infrastructure for global markets.

TELL US YOUR GOALS

Meet the Team Behind Your Payment Solution

Our engineers and architects bring deep expertise in payment processing, security, and financial regulations.

Maciej Cielecki
Maciej Cielecki
Head of AI, Co-founder at 10Clouds

What Our Clients Say About Working With Us

We have 85+ reviews with an average score of
4.9
10Clouds has a unique approach to the customer and his needs. It easily adapts to the client's expectations and delivers the high quality product, while offering the support of professionals.
Katarzyna Skibińska
Operations Manager at TransactionLink
We also specified that we wanted to focus more on the design aspects and the look and feel of the product rather than on user testing or extensive wireframing, as we have already done some work on that ourselves. 10Cloud worked professionally with us on this and created a deliverable that was exactly what we wished for and even more.
Tristan Kennedy
Founder at Highfive Finance
I think their design skills are very impressive, and the thinking they brought to the project exceeded my expectations.
Anonymous Client
Senior Advisor

Contact Us

Book a free strategy session to discuss how we can help you build secure, scalable payment infrastructure.