Stratos FintechSTRATOSFintech

Who we build for

Solutions by industry and operating model

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.

International deskstratosfin.ioLicence-honest packaging

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Jump to an industry on this desk

Match your need

Which solution path fits?

Use this map when you are not sure which brief to open. Every path still starts with product classification — software, bank-partnered, or regulated application.

Need

Collect cards and alternate methods internationally

Best fit

E-commerce · Platforms

Path

Scheme/PSP software + authorised acquirer

Need

Invoice in USD, EUR, GBP or AED

Best fit

Treasury · International merchants

Path

Multi-currency payment links + partner FX

Need

Account-linking / open-banking style products

Best fit

Partner banks & PSPs

Path

Plaid / TrueLayer patterns under the vendor’s model

Need

Multi-seller payouts and risk controls

Best fit

Platforms & marketplaces

Path

KYC + velocity + fee ledger control panel

Industry briefs

Deep dives

Showing 5 of 5

01

E-commerce & digital merchants

D2C brands, marketplaces and subscription businesses collecting internationally

International

Online sellers who need global scheme/PSP connectivity and multi-currency collections.

The problem

Fragmented PSPs, high decline rates, weak dispute tooling and slow multi-currency visibility damage conversion and cashflow. Merchants often discover chargeback policy only after money is already at risk.

Stratos approach

Unified checkout intent, 3DS2-ready design, a refund/dispute console and multi-currency payment-link software. Scheme acquiring and settlement go live only with authorised acquirers or PSPs.

Outcomes
  • One integration surface instead of several PSP dashboards
  • Faster dispute and refund operational loops
  • USD, EUR, GBP and AED collection design
  • Founder visibility into velocity and risk signals
Deliverables
  • Hosted multi-currency payment-link flows
  • Refund and dispute case workflow
  • Plugin roadmap: WooCommerce, Shopify, Magento
  • Merchant dashboard that is already usable in sandbox

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution
02

Platforms & marketplaces

Multi-sided platforms, gig marketplaces and SaaS with international payouts

International

Marketplaces that need multi-party money-movement design with governance built in.

The problem

Split settlements, sub-merchant onboarding and velocity risk need a control panel, not a spreadsheet. Platforms that “just wire a gateway” discover AML, KYC and payout friction the first time a bad actor scales.

Stratos approach

Sub-merchant KYC pipelines (Shufti Pro hosted journeys), velocity guards, fee splits and suspend-processing controls — software now, licensed payouts only with authorised partners.

Outcomes
  • Per-seller onboarding and risk tiers
  • Fee and split logic that finance can audit
  • Kill-switches for suspicious velocity
  • Clearer ownership of disputes between platform and sub-merchant
Deliverables
  • Sub-merchant onboarding plus Shufti Pro KYC hooks
  • Platform fee ledger model
  • Admin suspend and release processing controls
  • Payout batch status APIs

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution
03

Treasury & multi-currency collections

Finance and treasury teams invoicing in USD, EUR, GBP or AED

International

Teams that invoice internationally and need inspectable collection software.

The problem

Invoice-to-settlement status is scattered across PSP dashboards and bank statements. Finance cannot explain to a partner bank where a collection sits.

Stratos approach

Multi-currency payment-link software, status language a partner bank can read, and FX design against authorised partners — never as an unlicensed FX house.

Outcomes
  • One status view across USD, EUR, GBP, AED and SAR invoices
  • Language finance teams and partner banks can both accept
  • Fewer manual reconciliations
  • Clear ownership of holds and settlements
Deliverables
  • Multi-currency invoice collection workflows
  • Settlement status matrix by corridor
  • Webhook events for paid, held and settled states
  • Reporting packs for auditors and partner institutions

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution
04

Partner banks, acquirers & PSPs

Acquirers, PSPs and open-banking partners

International

Institutions evaluating a technology layer for acquiring, open banking or orchestration.

The problem

Institutions need a software counterpart that will not over-claim a licence. Innovation teams want a sandbox they can inspect, not a brochure.

Stratos approach

API-first orchestration, webhook automation and sandbox-first integration against Visa/Mastercard, Stripe, Adyen, Checkout.com, Plaid and TrueLayer patterns. Production traffic follows the partner’s regulated model.

Outcomes
  • Faster prototype cycles without claiming a licence we do not hold
  • Clear separation of partner versus software responsibilities
  • Documentation risk committees can review
  • A path from sandbox to partner-authorised production
Deliverables
  • Architecture workshops and corridor maps
  • Sandbox API surface and sample payloads
  • Security and KYC programme outline
  • Joint go-live checklist for partner-led models

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution
05

International merchants & platforms

US, UK, EU and GCC operators collecting across corridors

International

Foreign operators who need a licence-honest software counterpart.

The problem

Global playbooks assume rails and licences that do not map 1:1 across jurisdictions. Merchants need a single software desk with honest corridor status.

Stratos approach

Multi-currency collections, GDPR-aware policies, hosted KYC and staged onboarding. We translate product intent into a control panel a partner institution can underwrite.

Outcomes
  • A collection narrative risk teams can accept
  • Clear support routing on this desk
  • GDPR-aware documentation for EU and UK counterparties
  • No confusion between software and licensed activity
Deliverables
  • Corridor briefing packs for legal and compliance
  • Hosted KYC and merchant console access
  • Contact routing to the international desk
  • Staged product access plan (sandbox → partner → live)

Ready to map this to your stack? We start with classification, not a hard sell.

Discuss this solution

Engagement model

How we work with you

The same four-step sequence applies whether you are an institution or a growing merchant. Only the corridor and licence path change.

01

Discover & classify

Map your use case to pure software, bank-partnered processing, or licensed payment activity. We refuse to sell fantasy licences.

02

Design the corridor

Document currencies, settlement windows and dispute ownership for the corridor this desk actually serves.

03

Integrate in sandbox

API keys, webhooks, payment-link prototypes and dashboard walkthroughs before any production traffic.

04

Operate with controls

KYC, velocity limits, refunds, chargeback monitoring and founder kill-switches when live rails are authorised.

Licence-honest

We never market live acquiring or e-money before authorisation. That protects your brand as much as ours.

Named operators

Executives are published — counterparties know who answers on this desk.

Working product

Merchant portal, Shufti Pro KYC and payment links are live as software. Licensed rails follow authorisation.

Not sure which path fits?

Tell us your merchant type, currencies and volumes. We will map a licence-honest path — software only, bank-partnered, or regulated application track.

Book a discovery call See regulatory path