Composable Financial Infrastructure

Scaling across
borders.

Assemble payment, settlement, and compliance modules like building blocks. Launch compliant financial services anywhere in weeks.

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Scaling across borders
shouldn't break your stack

Expanding financial services internationally means juggling licenses, integrations, and operations that compound with every new market. The problem isn't a single feature — it's an entire system that needs to be assembled.

Licensing Per Country

PG, remittance, and VASP licenses differ by jurisdiction. Each requires separate integration and compliance structures.

Tenant & Settlement Structures

Sub-merchants, brokers, and platform sellers each need different settlement flows, fund segregation, and reporting.

Data & Regulatory Boundaries

PII, transaction data, and regulatory reports must respect local data sovereignty requirements.

KYC/AML Operations

Know-your-customer, anti-money laundering monitoring, sanctions screening, and case management at scale.

Multi-Currency Accounting

Settlement cycles, tax obligations, and accounting across fiat currencies, stablecoins, and digital assets.

Three-layer platform architecture

We don't just modularize features — we modularize regulatory boundaries. Each customer gets exactly the combination they need, enforced by policy.

1Foundation

Core Platform

Transaction and settlement event model, role-based permissions, audit logging, rule engine, and unified API.

Transaction EngineSettlement EngineAudit LogRule EngineUnified API

2Connectivity

Country Adapters

PG, bank, remittance rail, and VASP connectors per jurisdiction. Regulatory reporting and KYC provider integrations.

PG ConnectorsBank RailsRemittance RailsVASP IntegrationKYC Providers

3Governance

Compliance Boundaries

Tenant isolation, license scoping, data boundaries, and operational permissions enforced by policy — not people.

Tenant IsolationLicense ScopingData BoundariesPolicy EngineRegulatory Reports

Module catalog

Pick the modules you need. Each module is an independent SKU — toggle it on, and the platform enforces the corresponding license scope and data boundaries automatically.

Payment & Settlement

PG Connectors

Card, bank transfer, virtual account connectors per country.

Remittance Rails

Local and cross-border remittance rail integrations.

Settlement Rails

Per-entity settlement, multi-currency, stablecoin settlement options.

Sub-merchant / Broker

Per-seller or per-agent settlement structures for platforms.

Compliance

KYC

Individual and corporate identity verification with document and risk scoring.

AML Monitoring

Rule-based transaction monitoring with case management workflow.

Sanctions & PEP Screening

Real-time screening against global sanctions lists and politically exposed persons.

Regulatory Reporting

Country-specific reporting formats, schedules, and automated submission.

Operations & Risk

Rule Engine

Transaction limits, country/product policies, and dynamic risk rules.

Chargeback & Disputes

End-to-end chargeback, dispute resolution, and refund workflow.

Audit & Permissions

Full audit trail, role-based access, and 4-eyes approval workflows.

Operations Console (Atlas)

Tenant setup, module toggles, reporting dashboards, and operational management.

Key principle: Module toggles aren't just feature flags — they're policy toggles that enforce license scope and data boundaries with every activation.

Built for your use case

Every business has different regulatory and operational needs. Pick the modules that match your use case — we handle the compliance boundaries.

Cross-border Content & Subscription

Global content platforms and subscription services that need to accept payments in multiple countries with fast, compliant settlement.

Pain point:Multi-country payments + fast settlement

PG ConnectorsMulti-currency SettlementRefund / Dispute

Marketplace & Platform

Two-sided marketplaces that need to manage per-seller settlement, tax compliance, and seller risk at scale.

Pain point:Per-seller settlement, tax, and risk management

Sub-merchant / BrokerRisk RulesRegulatory Reporting

Broker & Intermediary

Financial intermediaries requiring strict client fund segregation, transaction limits, and comprehensive audit trails.

Pain point:Client fund segregation, limits, and audit

Permissions / ApprovalRule EngineAudit LogSettlement

Crypto Services (On/Off-ramp)

Crypto on-ramp and off-ramp services that need to meet regulatory requirements for virtual asset transactions.

Pain point:Regulatory compliance + monitoring

KYC / AMLVASPCase Management

Gaming & Digital Goods

Digital goods and gaming platforms dealing with high chargeback rates and sophisticated fraud patterns.

Pain point:Chargeback and fraud prevention

PaymentRisk RulesChargeback Workflow

Why Taply

Your real alternatives are building it yourself, stitching together existing services, or compromising on compliance. We reduce this complexity with policy-enforced modules.

AlternativeTheir LimitationTaply Advantage

Alternative

Legacy PSP / PG

Limitation

Difficult to customize for country-specific license and regulatory boundaries.

Taply

Modularizes country, license, and tenant boundaries — not just payment methods.

Alternative

Build In-House

Limitation

Licensing, integration, and operations cost excessive time and money.

Taply

Assemble and launch instantly with standardized operational frameworks.

Alternative

BaaS (Banking-as-a-Service)

Limitation

Dependent on a single bank license with limited customization.

Taply

Multi-rail, multi-partner combinations with SKU-based expansion.

Alternative

Payment Orchestration

Limitation

Only provides payment routing — weak on compliance and settlement.

Taply

End-to-end: settlement, risk management, and regulatory reporting included.

Our moatAs modules grow, the number of possible combinations scales exponentially. Policy, audit, and reporting data accumulates — making switching costs progressively higher. Regulatory operational data is the real defensibility.

Transparent, modular pricing

Pay for the platform base, add modules as you grow. Transaction fees scale with your volume — your ARPA grows with your business.

Starter

Single country, single payment method

From $3,000/month + transaction fees

✓Base platform
✓1–2 modules
✓Standard support

Get Started

Growth

2–3 country expansion

From $8,000/month + bps

✓Base platform
✓Payment + Settlement + Risk
✓Multi-currency
✓Priority support

Talk to Sales

Enterprise

Broker, marketplace, high-regulation

CustomStarting at $30,000/month

✓Full compliance suite
✓Custom modules
✓Dedicated onboarding
✓SLA guarantee
✓Partner revenue share

Final quotes depend on jurisdictions, module mix, compliance scope, and expected transaction volume. Pricing above is indicative.

Ready to assemble your
financial infrastructure?

Stop building licenses, integrations, and compliance from scratch. Pick your modules and launch in weeks.

We'll get back to you within 24 hours.

Scaling acrossborders.