Platform
Built for secure, scalable payment operations.
One processing platform connecting banks, wallets, merchants and FinTechs to card schemes and core systems — through APIs, ISO 8583, batch, SFTP and host-to-host integrations.
Reference architecture — clients on the left, the Coshine processor in the middle, schemes and core systems on the right.
Platform capabilities
Scheme connectivity
Visa, Mastercard, UnionPay, JCB, Discover, Amex and selected local networks — subject to project scope and certification.
Cloud-ready deployment
Private cloud, public cloud and hybrid deployment models — chosen to match client and regulatory requirements.
Operational reliability
High-availability architecture, disaster recovery design, monitoring and incident response — for batch and online processing.
Integration friendly
APIs, batch files, SFTP, message queues and host-to-host — integrating with core banking, card management, wallet, fraud, CRM and finance systems.
What sits on the platform
- Issuing processing — authorization, clearing, billing, settlement, dispute
- Acquiring processing — merchant onboarding, routing, settlement, reconciliation
- 3D Secure / ACS — risk-based authentication, frictionless and challenge flows
- Payment Gateway — unified API for online, POS, QR and mobile acceptance
- Merchant Portal — operations, transactions, settlement, dispute support
- Risk & monitoring — rule engine, velocity controls, anomaly detection
- Clearing & settlement — scheme files, fee calculation, net settlement
- Reconciliation — multi-source matching, exception workflow