Coshine

Card payment processing

Card payment processing infrastructure built for global growth.

Coshine provides secure, scalable and compliant card payment processing solutions across issuing, acquiring, 3D Secure, gateway and program operations.

COSHINEProcessing CoreIssuingAcquiring3DSGatewayCard SchemesVisa · MC · UPI · JCBFintechsCard programsMerchantsAcceptanceCardholdersIssued cardsProgram PartnersBIN sponsor · KYCBanksIssuer · acquirerAUTHORIZED200 OK · 2.18 msSETTLEMENTNet file · cleared
In production payment processing
20+ yrs
Banks, PSPs and fintechs served
150+
Production uptime (rolling 24 months)
99.995%
Markets served globally
10+

Certified and in production across these card networks

  • Visa
  • Mastercard
  • JCB
  • UnionPay
  • American Express
  • Discover
  • Diners Club

CORE TRUST METRICS

Proven payment processing experience

Processing experience

Two decades of payment infrastructure experience, built into every program we support.

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SOLUTIONS

One platform for modern card payment processing

Coshine brings issuing, acquiring, authentication, gateway connectivity and program support together on a secure and scalable processing platform.

SOLUTION 01

Card Issuing Processing

Launch and manage debit, credit, prepaid and virtual card programmes with reliable processing support.

  • Customer Onboarding
  • Card Issuance
  • Authorization & Processing
MY CARD•••• •••• •••• 4218MY CARD12/29Customer OnboardingCard IssuanceAuthorization & Processing

PLATFORM

A processing layer built to connect the card payment ecosystem

Coshine brings clients, channels, card schemes and operational systems into one secure processing environment — supporting card programs from launch to daily operations.

Client Layer

Connecting clients and channels

Bring banks, fintechs, PSPs and merchants into one processing environment designed for card payment growth.

  • Support diverse client and partner types
  • Connect programs, channels and payment use cases
  • Build a unified foundation for card-based services

USE CASES

Payment programs powered by Coshine

Coshine supports banks, fintechs and payment institutions across a range of real-world payment scenarios — from card issuing and acquiring to authentication, gateway connectivity and program operations.

  • dtcpay

    Crypto-to-Fiat

    Card issuing for crypto platforms

    Enable crypto platforms to extend spending use cases through secure virtual and physical card issuing, helping bridge digital assets with everyday payments.

    • Virtual Cards
    • Physical Cards
    • Crypto-to-Fiat
  • AUB

    Banking Modernization

    Modern card programs for banks

    Support banks with scalable issuing and acquiring infrastructure, helping launch and operate modern card programs with greater efficiency and control.

    • Issuing
    • Acquiring
    • Program Operations
  • PingPong

    B2B Payments

    Corporate cards for platform sellers

    Support payment solutions for platform sellers and business users through flexible corporate card capabilities and reliable cross-border processing support.

    • Corporate Cards
    • B2B Payments
    • Cross-Border
  • PayB

    APAC Payments

    Multi-format payments for APAC markets

    Support diverse regional payment scenarios with virtual cards, QR-based experiences and localized acceptance models across APAC markets.

    • QR Payments
    • Virtual Cards
    • APAC
  • Didi

    Mobility Payments

    Payment support for mobility ecosystems

    Provide reliable processing support for high-frequency mobility and service scenarios where authorization speed, continuity and scale matter.

    • Mobility
    • High-Frequency
    • Reliability
  • WeChat Pay

    Digital Wallet Ecosystem

    Wallet-linked payment connectivity support

    Support digital payment ecosystem connectivity and broader payment acceptance use cases through flexible integration and operational support capabilities.

    • Digital Wallets
    • Acceptance
    • Ecosystem

Ready to build your next payment program?

Talk to our team to explore how Coshine can support your issuing, acquiring, authentication, gateway and program operations.