Card issuing & acquiring processor
Coshine consolidates card issuing, acquiring, 3-D Secure, payment gateway and merchant operations onto a single platform — pre-certified across Visa, Mastercard, UnionPay, JCB, Discover and Amex, in production with 150+ banks, PSPs and fintechs across 10+ markets globally.
Certified and in production across these card networks
Security & Compliance
PCI DSS Level 1, PCI 3DS, PCI PIN, ISO/IEC 27001 and MLPS Level 3 — independently re-certified every year. Audit artifacts available to qualified buyers under NDA.
TLS 1.2+ in transit, AES-256 at rest, HSM-backed key custody with documented rotation.
Role-based access control, multi-factor on privileged paths, tamper-evident centralized audit trail.
24×7 monitoring with SLA-defined incident response, vulnerability management and independent penetration testing.
Programs & standards
Issuing, acquiring, 3D Secure, gateway and merchant operations on a single processor — pick what you need or take it end-to-end.
01
Credit, debit, prepaid and virtual card issuing on one rail — across the full card lifecycle.
02
Accept payments across online, POS, QR and mobile — with routing, settlement and reconciliation built in.
03
EMV 3-D Secure with risk-based authentication — for issuers and merchants alike.
04
Unified API for payment acceptance — routing, tokenization, monitoring and reconciliation.
05
Operations console for merchant management, transactions, settlement and disputes.
Platform
One processing platform connecting your clients to card schemes and core systems — designed for HA, deep integration and the audit artifacts your second-line risk function will ask for.
Visa, Mastercard, UnionPay, JCB, Discover, Amex and selected local networks — subject to project scope and certification.
Private, public and hybrid — choice driven by data residency, regulator expectation and the client's existing vendor estate.
Active-active HA, documented DR with RTO/RPO targets, 24×7 monitoring and SLA-defined incident response — for batch and online processing.
APIs, ISO 8583, batch, SFTP, MQ and host-to-host — into core banking, card management, wallet, fraud, CRM and finance systems.
Reference architecture — clients on the left, the Coshine processor in the middle, card schemes and core systems on the right.
Selected engagements
Anonymized at client request. Reference calls available under NDA for qualified buyers.
Hong Kong
Enabled online card-not-present acceptance with 3-D Secure across a multi-million-user wallet. Issuer-side authentication approval rates improved measurably post-deployment; production cutover completed without merchant-facing outage.
Southeast Asia
Migrated a multi-million card portfolio and the bank's acquiring book onto a single Coshine processor, decommissioning three incumbent vendors. Post-migration P0 incidents: zero in the first 12 months.
Greater China
Connected cross-border acquiring with local clearing, supporting multi-currency authorization and scheme-file reconciliation. In production across multiple corridors.
Coshine builds processing for the institutions that move money — not for everyone, but for these five well.
Launch or modernize card issuing and acquiring business.
Enable card binding, online payments and scheme connectivity.
Build card programs and payment acceptance capabilities.
Expand acquiring, gateway and merchant service capabilities.
Support international payment processing and multi-currency scenarios.
Sandbox keys in five minutes. Clean REST, signed requests, real webhooks.
curl -X POST https://api.coshine.com/v1/cards \
-H "Authorization: Bearer $COSHINE_TOKEN" \
-H "X-Timestamp: 1716275000" \
-H "Content-Type: application/json" \
-d '{
"type": "virtual",
"currency": "SGD",
"cardholder_ref": "cust_4f9a"
}'Coshine partnered with WeChat Pay Hong Kong to deliver end-to-end technical support for its credit card acquiring — integrating UnionPay, Visa and Mastercard through the EastPay platform.
Coshine debuted at Singapore Fintech Festival 2024, showcasing acquiring and issuing services to partners and prospects across the APAC region.
Coshine showcased its latest acquiring and issuing innovations at Money 20/20 Asia 2024 in Bangkok — Booth 8026, alongside the broader APAC fintech community.