Partner banks & acquirers
Live card acquiring and settlement require a licensed acquirer or sponsor bank in the relevant market. Stratos supplies the software layer, not the licence.
Trust & governance
How this international desk stays licence-honest
Stratos Fintech LLC is a Wyoming limited liability company, wholly owned by STRATOS FINTECH (PRIVATE) LIMITED. It provides payment-orchestration software and merchant control-panel tools for international counterparties. It is not a bank, electronic-money institution, payment institution or licensed US money transmitter. Live acquiring, settlement and foreign-exchange execution require authorised partner institutions in the relevant jurisdiction. Nothing on this site is an offer of regulated payment services.
Entity Stratos Fintech LLCWY filing 2026-002071705EIN 30-1507888Member 100% Pakistan parent
This website is operated by Stratos Fintech LLC
Entity Stratos Fintech LLC · WY filing 2026-002071705 · EIN 30-1507888 · Member 100% Pakistan parent
Stratos Fintech LLC is a Wyoming limited liability company, wholly owned by STRATOS FINTECH (PRIVATE) LIMITED. It provides payment-orchestration software and merchant control-panel tools for international counterparties. It is not a bank, electronic-money institution, payment institution or licensed US money transmitter. Live acquiring, settlement and foreign-exchange execution require authorised partner institutions in the relevant jurisdiction. Nothing on this site is an offer of regulated payment services.
Why this page exists
Software first. Licensed partners later.
Today this desk is software: a live control panel, hosted KYC, multi-currency payment links and sandbox keys. We do not hold customer e-money or operate as a money transmitter. When a corridor requires a licence, a partner institution holds it.
Stratos Fintech LLC is a Wyoming limited liability company, wholly owned by STRATOS FINTECH (PRIVATE) LIMITED. It provides payment-orchestration software and merchant control-panel tools for international counterparties. It is not a bank, electronic-money institution, payment institution or licensed US money transmitter. Live acquiring, settlement and foreign-exchange execution require authorised partner institutions in the relevant jurisdiction. Nothing on this site is an offer of regulated payment services.
Global card schemes
Visa and Mastercard connectivity is designed through acquirer and gateway partners (including MPGS sandbox). We do not claim a principal membership.
Open banking
Account-linking and payment-initiation experiments use Plaid (US) and TrueLayer / Yapily (Europe) patterns. Production traffic follows those vendors’ regulated models.
Identity & screening
Hosted document-and-face KYC via Shufti Pro, with Sumsub, Onfido and ComplyAdvantage as secondary slots for sanctions, PEP and adverse media.
Treasury & FX design
Multi-currency collection views and invoice status language. Executable FX is designed against Wise Platform / Currencycloud-class partners — never as an unlicensed FX house.
Roadmap
From incorporation to authorised payment activity
The sequence below is how this international desk classifies software versus partner-licensed activity. It is orientation, not a licence claim.
01
LiveSoftware desk in market
International site, merchant console, hosted KYC and multi-currency payment-link software are operating. This is a technology desk, not a licensed payment institution.
02
In progressPartner-bank classification
Each corridor is mapped to software-only, bank-sponsored acquiring, or a local licence the partner already holds. We refuse to sell fantasy licences.
03
Sandbox / pilotScheme & PSP connectivity
Visa, Mastercard, MPGS, Stripe, Adyen, Checkout.com and PayPal slots exist in the control panel. Live keys follow acquirer and PSP contracts.
04
Partner-ledJurisdictional go-live
US, UK, EU and GCC production traffic is authorised per partner and per local counsel. Stratos does not hold a money-transmitter or EMI licence on this desk.
No licence we do not hold
We state that we are not a bank, EMI or money transmitter. Partner-bank and PSP go-lives are named as such.
Security by design
TLS, tokenisation posture, RBAC, monitoring and compulsory 2FA (SMS, security key, authenticator) on the merchant console.
AML / KYC programme architecture
Hosted CDD via Shufti Pro, sanctions-screening design and record-retention planning that scales with the partner’s regulated perimeter.
A desk that answers in European hours
International support at support@stratosfin.io. Europe coverage via the France desk. No country-specific staff mobiles are published on this site.
Building with counsel and banks — not around them
If you are a bank, law firm, or institutional partner evaluating Stratos, start with our security statement and contact the compliance or founder desk.