Payment Processing Infrastructure
Coshine provides issuing, acquiring, 3D Secure, payment gateway and card scheme connectivity for financial institutions and payment businesses across Asia and beyond.
Trusted by banks, PSPs and fintechs across 10+ markets
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 — engineered for high availability, deep integration and regulatory rigor.
Visa, Mastercard, UnionPay, JCB, Discover, Amex and selected local networks — subject to project scope and certification.
Private, public and hybrid deployment models — matched to client and regulatory requirements.
HA architecture, disaster recovery, monitoring and 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.
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.
Selected engagements
Selected engagements, anonymized where required by client confidentiality.
Hong Kong
Enabled online card binding and card-not-present acceptance with 3-D Secure, improving issuer-side authentication and end-user payment experience.
Southeast Asia
Stood up scheme connectivity and unified issuing/acquiring processing on a single platform, replacing a fragmented vendor landscape.
Greater China
Connected cross-border acquiring with local clearing, supporting multi-currency authorization and reconciliation against scheme files.
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"
}'Security & Compliance
Coshine operates with a security-first approach and aligns its processing environment with recognized payment security and information security standards.
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
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.