Many layers, One operating system.
NGnair gives payment organizations the infrastructure of a modern fintech platform — merchant onboarding, payment orchestration, revenue operations, and commerce tools — without the cost of building it or the risk of a PayFac model. Together, the five solutions make up NGnair Acquiring Cloud: one operating layer connecting your program end to end. You keep the merchant. You keep the acquiring relationship. You get the economics and technology.
Grouped by how a payments business actually runs
Capability sits underneath a solution, not beside it. Each solution stands on its own and connects to the others when you're ready.
Merchant Acquisition & Underwriting
Turn applications into approved merchants faster, with AI-assisted risk analysis and verification in one workflow.
Revenue & Portfolio Management
Know what every merchant, agent, and sub-ISO earns — traced to the transactions that produced it.
Payments Infrastructure & Orchestration
Route card, alternative payment methods, and bank rails through one integration, with automatic failover.
Merchant Commerce & Embedded Payments
Put subscriptions, pay links, payment plans, and alternative payment methods into your product set.
Enterprise ISO & FSP Infrastructure
Operate as a wholesale ISO, FSP, or BIN-sponsored acquirer on infrastructure you don't have to build.
Separate solutions. One operating model.
Adopting a second solution should compound the value of the first. These are the connections that do the compounding.
Onboarding feeds the portfolio
A merchant approved through the acquisition workflow arrives in portfolio operations already carrying its MIDs, pricing, and commercial relationships.
Every rail lands in one ledger
Card, instant bank, and open banking activity resolve into the same transaction record that revenue and reporting are calculated from.
Commerce runs on the same rails
Wallets, subscriptions, and pay links use the orchestration layer underneath, so merchant-facing products don't need a parallel stack.
Structure scales with the business
Partner hierarchy, permissions, and revenue participation extend across sub-ISOs, agents, and ISVs without a separate system to maintain.
What NGnair is not
Every solution on this page is technology. None of it changes who underwrites, who sponsors, who settles, or who the merchant signed with. Your sponsor institution and your processor keep their roles exactly as they are.
Merchants do run in their own environment on the platform, and NGnair carries first-line technical support around the clock so your team isn't the first call for a terminal or an API. The merchant account, the pricing, and the portfolio are never ours to take.
Payment credentials are tokenized before they reach the NGnair operating layer, and network tokens remain with the card networks. Onboarding, orchestration, portfolio operations, and merchant commerce all run against tokens and references rather than card numbers, which keeps raw cardholder data inside the PCI-controlled payment infrastructure built to hold it — and out of the environment your team works in every day. Keeping card data out of the operating layer can reduce PCI DSS scope and the security overhead that comes with handling it. What applies to your organization depends on your own environment and assessment.
- Not a PayFac
- Does not hold merchant funds
- Does not replace the sponsor bank
- Does not assume underwriting liability
- Does not store raw cardholder data
- Never takes the merchant account
Five solutions does not mean five commitments. Pick the one covering the workflow that costs you the most today, run it until it earns its place, and add the next when you want it.
Bring us the workflow that costs you the most.
Not all solutions — just the one area of the business that keeps consuming hours. We'll show you what it looks like running on NGnair and be direct about whether it's worth changing.
Connected across the acquiring, processing, and software ecosystem
