The Future of Payments, Today
A next-gen core solution for payments, digital banking, and card issuance, built for tomorrow’s financial challenges
NovoPayment's
Cloud-Based Solution
Modern, flexible, scalable, and imbued with next-gen AI for rapid innovation with near-infinite scalability
Event driven design
Our asynchronous architecture delivers real-time responsiveness while maintaining system integrity during peak loads.
Microservices foundation
Independent services working harmoniously through well-defined interfaces for superior resilience and scalability.
API-First Philosophy
Every feature accessible via clean, well-documented APIs designed for developer productivity.
How NovoPayment's Platform Stacks Up
See how our next-gen infrastructure outperforms traditional payment processors across critical metrics
Authorization Speed
Up to 99% Faster
legacy systems
NovoPayment
Time to Restore / Add Server
Up to 99% Faster
legacy systems
NovoPayment
Authorization to Clearing
In Seconds
legacy systems
NovoPayment
Transactions in Parallel
Up to 8x More
legacy systems
NovoPayment
Time to Connect with Network
Up to 98% Faster
legacy systems
NovoPayment
Peak Processing Capacity
Up to 1,3x More
legacy systems
NovoPayment
Why NovoPayment
Enabling countless innovative financial service use cases through expert knowledge and hands-on support
Flexible, scalable & secure solutions
Our next-gen modular payment solutions adapt to any organization, with flexible delivery models, built-in compliance, and bank-grade security.
Region-wide connections & personnel
Our team is spread throughout the U.S. and LatAm, with a solidified presence in key markets and a close ear to the ground.
Tech-driven minds with financial DNA
Our culture blends financial expertise with a passion for technology. Our team thrives at the intersection of innovation and industry knowledge, transforming challenges into scalable, practical solutions.
Solutions for every use case
NovoCard
Design credit, debit, and prepaid cards for your customers and redefine the customer experience.
Mastercard, Visa, and Closed Loop Solutions
Customize programs to your customer's needs
NovoPayment makes it easy to create differentiated, highly configurable card products that keep you top-of-wallet.
- Manage and launch new credit, debit, or prepaid programs seamlessly via APIs.
- Leverage our card tokenization capabilities to enable seamless, secure digital payments with customer convenience in mind.
- Easily monetize and control your operation with transaction limits and fees.
Cultivate lasting customer relationships
Differentiate your brand with modern banking experiences that offer the customization and convenience your customers crave.
- Catapult your cards to the top of customers’ digital wallets with just one click with Push Provisioning.
- Authenticate your cardholders for eCommerce transactions and drastically reduce fraud rates with our Access Control Server for 3DS transactions.
- Make it easy for cardholders to manage all components of their cards and accounts digitally.
NovoSpend
Provide simplified expense management solutions to your corporate clients.
Modern Spend Management Solutions
Streamline your clients' cash flow and corporate expenses with modern money management solutions
Enable efficiency with smart, digital-first tools designed for businesses.
- Empower your corporate clients to replace cash and checks with customizable prepaid card programs for employee and contractor expenses.
- Help reduce reimbursement cycles and improve visibility over operational spending.
Help your clients gain greater control and visibility over their business spending
Expand your value proposition by enabling businesses to manage financial operations from anywhere.
- Enable corporate users to make payments, manage accounts, and access key financial tools through your extended partner network.
- Offer a flexible, modular set of functionalities that can scale with your clients’ needs.
Open new revenue streams for your clients
Use NovoPayment’s switch and standardized connectivity to power diverse payment ecosystems and business models.
- Facilitate real-time payments and transactions between your clients and their stakeholders through a unified platform.
- Enable support for both closed-loop and open-loop program configurations to fit a variety of business needs.
NovoFlow
Build payment and correspondent networks that give your customers instant access and convenience.
Omnichannel Customer Experiences
Create new solutions through banking and correspondent networks
NovoPayment’s NovoFlow will be the switch connecting all participants.
- Connect to NovoPayment and expose your platform via APIs to easily integrate correspondents and give your customers easy access to your services.
- Create new networks to enable book to book transfers across banks, real-time payments between institutions, and closed-loop schemes with merchants.
A full suite of functionality at your clients’ fingertips
Expand your footprint and give customers the ability to perform a wide set of functions from any location.
- Give users the ability to make payments, manage their accounts, and more through participating network members.
- Flexible and expandable set of functionalities to respond to your, and your banking partner's needs.
Create new banking networks
Leverage standardized connectivity and NovoPayment’s powerful switch to connect program participants and address a variety of use cases.
- Process payments and transactions instantly, in real-time, between program participants.
- Support closed-loop or open-loop programs and transactions between participants.
NovoFlux
A cloud-native payments switch designed for card processing that enables banks and fintechs to route transactions dynamically, reliably, and securely.
Network Cloud Connectivity
Real-Time Authorization
Ultra-fast processing with low latency, high reliability, and near infinite scalability.
Increased Security
Advanced security protocols for secure access.
Payments Without Limits
Direct cloud-based connection with payment networks, eliminating the need for dedicated hardware and significantly reducing operational costs.
NovoCredit
Empowering lenders with a comprehensive suite of tools for loan servicing, management, and automation.
All-in-one Credit Management Platform
Unlock Innovation in Credit Markets
Effortlessly launch and scale any credit product with our all-in-one platform.
Configuration-First Design
Accelerate your go-to-market strategy with our intuitive, configuration-first design and robust API architecture.
Free Up Your Back Office
Boost agent productivity and reduce operational costs with our automated Collections and Servicing Suite.
Extreme Integrability, Simplified
Connect effortlessly with APIs, events, and webhooks—our flexible infrastructure adapts to your ecosystem
Universal connectivity
Connect with any system using our flexible integration layer—from legacy cores to modern cloud services
Modular solutions to modernize your banking operations
Discover the broad benefits of our digital core, account origination, online banking, and modular services
Level up your legacy technology with ease
Our API infrastructure complements your core systems and supports your scale
Get in touch today
Discover how modern infrastructure can help you meet evolving customer expectations and accelerate your digital transformation
NovoPayment champions the innovators. We enable today’s influencers and tomorrow’s trendsetters to adapt, evolve, and scale through our innovative banking and embedded financial services.
