What we offer
We do not claim a US money-transmitter, EMI or payment-institution licence on this site. Multi-currency views, hosted checkout and KYC are software. Executable FX and scheme acquiring go live only with authorised partners.
API-first account-linking and payment-initiation design against Plaid, TrueLayer and Yapily patterns — sandbox first, production under those vendors’ regulated models.
Typical work starts with classification (software layer vs regulated activity), then a sandbox surface: authenticated APIs, webhooks, sample payloads and a responsibility map between the partner institution and Stratos.
Accept cards and alternate methods through one integration — Visa, Mastercard, Apple Pay, Google Pay and PSP partners — with 3DS2-ready checkout and a refund/dispute console.
The control panel is already built as software. Scheme acquiring and settlement of customer funds require an authorised acquirer or PSP. Until then this remains a sandbox and architecture product.
Invoice-to-settlement software for USD, EUR, GBP, AED and SAR with live status language finance teams and partner banks can both read.
Executable FX is designed against authorised partners. Stratos supplies the software, status language and documentation — not a standalone FX house.
Host-to-host connections, webhooks and a dedicated onboarding path that gets corporate systems reconciling from day one. ERP connectors and line-item payout status.
Built for finance and treasury teams who already live in batch files. Live disbursement rides licensed rails or partner banks, never a silent spreadsheet.
Design principles
Category leaders win on three things: (1) clear product packaging for merchants and developers, (2) compliance storytelling a partner bank can underwrite, and (3) corridor architecture that separates software from licensed activity. The international desk is built around that pattern — USD, EUR, GBP and AED collection design, global schemes and open-banking adapters.
We do not claim a US money-transmitter, EMI or payment-institution licence on this site. Multi-currency views, hosted checkout and KYC are software. Executable FX and scheme acquiring go live only with authorised partners.
Map your use case to pure software, bank-partnered processing, or licensed payment activity. We refuse to sell fantasy licences.
Document currencies, settlement windows and dispute ownership for the corridor this desk actually serves.
API keys, webhooks, payment-link prototypes and dashboard walkthroughs before any production traffic.
KYC, velocity limits, refunds, chargeback monitoring and founder kill-switches when live rails are authorised.
What exists versus what is licensed
Tell us the corridor, currencies and whether you need software, a bank-sponsored model or a regulated-application track. We will reply from this desk.
