One platform.
Every layer.
Under your brand.
Hublio Payments is a cloud-native, self-hosted, white-label payment platform — the back end, the operations console and the customer-facing app, delivered as one product. Two engines, two integration topologies, chosen per deployment. Paired with Hublio Pay, the mobile front-end your customers see.
A product by Hublio ResearchHublioPayments.
The cloud-native, self-hosted payment platform for banks, fintechs and brands.
A B2B platform that you deploy in your own infrastructure — fast, modular, fully white-label. A unified API. One deployable codebase. Multiple payment rails, integrated under your control. Paired with Hublio Pay — our white-label mobile front-end — it's a complete experience from rail to screen.
White-label ready
Your brand on every screen, every email, every receipt. We stay invisible.
Multi-tenant architecture
Run a wallet, a neobank and an expense product from the same platform — fully isolated.
API-first integration
Every capability exposed as a clean, documented REST API. Built for engineers.
Deploy and go live in weeks
API-first, infrastructure-ready. From kickoff to pilot in six weeks — in your environment, not ours.
From your infrastructure
to production.
Hublio connects to the infrastructure you already operate, adds the payment capabilities you need, and delivers the complete experience under your brand.
Choose your deployment
Run Hublio in a dedicated cloud environment or deploy it within infrastructure controlled by your organisation.
Connect your infrastructure
Integrate Hublio with your core banking systems, identity services, payment rails and existing operational tools.
Enable the capabilities
Activate only the modules required for your product, market and rollout strategy.
Configure the experience
Define branding, roles, limits, fees, notifications and customer journeys without rebuilding the platform.
Launch and expand
Move from a controlled pilot to production, then add new capabilities, partners and regions as the product grows.
Native messages.
Two engines. One platform.
Hublio Payments handles regulated message formats two ways — and you choose the right one per corridor, per use case, per tenant. One platform, either engine, no semantic loss between them.
Pure-spec, end-to-end.
A native messaging engine built directly against the scheme rulebooks. We produce and receive scheme-compliant ISO 20022 messages for SEPA Instant — natively, end-to-end, with no translation layer. Schema-validated against the active XSD before anything touches the wire. Invalid messages never leave the platform.
The XML you see in your monitoring is the XML the scheme receives. Bidirectional, signed, replayable.
- ISO 20022 native — pacs, pain and camt families
- SEPA Instant via TIPS / RT1, end-to-end
- Architected for SWIFT MX / CBPR+ — cross-border via Engine 02 in v1
- Schema-validated at the source against the active XSD
- Auditable, signed, replayable — original wire format preserved
Reach without the build-out.
For tenants without their own scheme authorisations, Hublio Payments routes through an integrated cross-border service model — extending reach to corridors that would otherwise require multiple banking relationships and licences.
Same API surface, same orchestration, same compliance posture as the native engine — just with the underlying connectivity provided as a managed service. You stay focused on the product; the infrastructure for cross-border reach is configured, not built.
- Cross-border corridors without standing up new banking partners
- Same Hublio API — engine choice is configuration, not migration
- Authorisation scope sized per tenant during onboarding
- Falls back gracefully where native rails aren't available
Schema-validated at the source
Outbound messages validated against the active ISO 20022 XSD before they leave the platform. Invalid messages fail fast with structured errors — not at the CSM gateway.
Versioned per rulebook
SEPA Instant and SWIFT CBPR+ rulebooks evolve at their own pace. Hublio tracks the active versions and routes the right schema per corridor — no manual mapping when a rev lands.
Bidirectional, end-to-end
Inbound messages parsed, validated and reconciled against the ledger before any business logic fires. Status, recall, investigation — every direction handled natively.
SIT & UAT-ready
Test harnesses, fixture libraries and reproducible scenarios ship with the platform — so SIT and UAT against scheme test environments is a configuration step, not a custom build.
Auditable & signed
Every generated message is hashed, timestamped and stored. Reconciliation, regulator queries and dispute resolution work off the original wire format.
Structured remittance preserved
The whole point of ISO 20022 is richer, structured data. Hublio preserves remittance fields, party identifiers and purpose codes end-to-end — so reconciliation, AML and reporting work off the original semantics, not a flattened summary.
Two ways to plug into your bank.
Banks and EMIs already have core systems and, in many cases, payment engines they've invested years building. Hublio Pay doesn't ask you to choose between them and us. You decide where Hublio sits in your stack — at the edge, or layered on top.
Standalone payment engine, plugged into your core.
Hublio Pay runs as the payment engine itself — orchestration, routing, ledger, fraud and ISO 20022 messaging — and integrates with your core banking system over API for accounts, balances and posting.
For banks without an in-house payment engine, or those modernising legacy stacks one layer at a time. You keep your core; Hublio handles everything from instruction to settlement.
- API integration with your core (Temenos, Mambu, Finastra, T24, proprietary)
- Hublio owns orchestration, ledger, fraud, ISO 20022 messaging
- Core banking remains the system of record for accounts
- Posting, balance and statement APIs handled bidirectionally
Layered above your existing payment engine.
For banks that already operate a payment engine, Hublio sits on top — handling orchestration, the experience layer, Request-to-Pay, VoP, instant flows and the customer-facing front-end — and routes through your engine for settlement.
For banks that have invested in their own payment infrastructure and want to modernise the surface without replacing the foundations. Your engine stays in charge of clearing; Hublio modernises everything around it.
- Hublio handles orchestration, RtP, VoP, instant flows and the front-end
- Your existing payment engine retains routing and settlement
- Bidirectional handoff via API — your engine stays the source of truth
- Modernise the customer-facing surface without core replacement
The choice between modes is configuration, not commitment — the same Hublio API, the same compliance posture, the same front-end. Topology is decided per tenant during onboarding.
A payments toolkit,
not a payments app.
Eight coordinated modules that work together as a product, or stand alone as capabilities you can plug into what you already have.
Payments orchestration
One API surface. Many rails underneath. Route any transaction across SEPA Instant, TIPS, TARGET2 and SWIFT MX — plus Request-to-Pay and Verification of Payee at the point of sending. We pick the cheapest, fastest, most reliable rail in real time. You pick the outcome.
Every transaction passes through inline AML screening, sanctions checks and the anti-fraud engine before it reaches a rail — orchestration and compliance are the same step, not separate ones. Suspicious activity is held, scored, escalated or released without anyone having to write rules from scratch.
Built API-first
Every capability exposed as a clean, documented REST API. OAuth 2.0 and OIDC for authentication, mTLS for partner integrations.
Identity & onboarding
Phone-first registration, document KYC, biometric liveness, and PEP/sanctions screening — through Sumsub, in under 30 seconds.
Ledger & wallet
Double-entry accounting with multi-currency balances, real-time reconciliation and a full audit trail. The source of truth for every cent.
Risk & fraud
A real-time AML and anti-fraud engine built into the payment flow. Behavioural scoring, transaction monitoring, sanctions screening, velocity rules and Verification of Payee — coordinated, not bolted on after.
Multi-tenant by design
Every tenant gets isolated data, configurable branding, bespoke fee models and independent compliance posture. Run a consumer wallet, a neobank and an expense product from the same platform — without them ever touching.
AI where it matters
Contextual suggestions for recipients and amounts. Dynamic risk scoring that reduces false positives. Personalised UX that adapts to each user — with privacy by design and data minimisation as defaults, not afterthoughts.
Operations console
The operator-facing back-office. Configure routing rules, fee schedules, tenant settings, risk thresholds, scheme corridors and engine selection — without engineering tickets, without redeployments. This is where “configuration, not commitment” actually happens.
Granular role-based access for ops, risk, finance and compliance teams. Every change is audited, reviewable and reversible. Approval workflows for sensitive parameters. Read-only access for auditors and regulators on request.
Not just a backend.
A front-end that ships.
Most payment platforms stop at the API and leave you to design, build and maintain the customer-facing app yourself. We don't.
Hublio Pay is our white-label mobile front-end — a production-ready iOS and Android application that plugs into the Hublio Pay platform on day one. Your customers get a polished, conversion-tuned experience the moment you launch.
Send & receive
P2P and P2M across every rail Hublio supports — instant by default.
Cards & wallet
Multi-currency wallet, virtual and physical cards, full lifecycle.
Request-to-Pay & QR
Modern instant flows for everyday commerce — pull, scan, pay.
Spend insights
Real-time analytics, categorisation and budgeting baked in.
Cross-border by default
One app, many markets — the same experience wherever the fintech operates.
Operator-ready
Multi-region tenancy, localisation, currency support out of the box.
Shared Pay
Split a bill or collect from a group — every share tracked to the cent.
Payment links
Request and collect with a shareable link — no integration required.
QR. Shared Pay. Payment links.
For people and businesses.
Alongside Request-to-Pay, these are the everyday flows that make a payment product feel effortless — built into the platform and the app, for private individuals and corporate users alike.
Scan. Confirm. Settled.
Pay and get paid by QR — person to person, or at the point of sale. Individuals scan to send in seconds; businesses present a QR at checkout, on an invoice or on screen, with every payment reconciled in real time against the ledger.
- Person-to-person and merchant flows
- Instant settlement on supported rails
- Real-time reconciliation for business
One expense. Many payers.
Split costs among friends, or collect from many payers against a single obligation. Each participant pays their share; the platform tracks who has paid and what remains — for households and organisations alike.
- Split bills between individuals
- Group collections for teams and organisations
- Every share tracked to the cent
A payment, delivered as a link.
Create a link, share it anywhere — chat, email, invoice — and get paid without integration work. For individuals, a simple way to request money; for businesses, a checkout without a storefront.
- Shareable across any channel
- A simple request flow for individuals
- Corporate collections without integration work
Engineered for scale,
built for trust.
Cloud-native from day one. Horizontally scalable. Resilient by default. Deploy it on your cloud, on-premise, or in a sovereign environment.The kind of architecture that financial regulators look at and approve — because the design decisions were made with them in the room.
Cloud-native
Microservices designed for elastic scale, workload portability and multi-region resilience.
Zero-trust security
OAuth 2.0, mTLS, secrets in dedicated vaults and HSM-backed key management.
Deployment-flexible
Your cloud, on-premise or sovereign environments with data residency support.
Regulation-ready
PSD3/PSR, AMLD6, DORA and eIDAS 2.0 primitives baked into the architecture.
Your environment.
Your perimeter.
Hublio Payments is delivered as software you run — so security and data residency follow your rules, inside your perimeter. Zero-trust by design, PCI DSS aligned, and built for the regulatory frame you operate in: PSD3/PSR, AMLD6, DORA and eIDAS 2.0.
Your cloud.
Deployed into your own cloud account, on the provider of your choice. Multi-AZ and multi-region capable, with workload portability across the major providers.
- Runs in your cloud subscription, under your controls
- Bring-your-own key management
- Data residency configured per region
On-premise.
The same platform on bare-metal Kubernetes, inside your data centre and network perimeter — integrated with your enterprise identity and access stack.
- Bare-metal Kubernetes supported
- Enterprise SSO and role-based access
- Full audit trail, regulator-ready
Sovereign environment.
For institutions with sovereignty requirements — deployment into sovereign cloud environments, with strict residency guarantees and auditor access on request.
- Sovereign cloud deployment supported
- Data residency guarantees
- Read-only access for auditors and regulators
One platform.
Three go-to-market models.
Whether you're launching your first product or modernising a legacy stack, Hublio Payments adapts to where you are — and where you want to be.
From decision to market in one quarter.
Fintechs and neobanks compete on speed to market. Hublio compresses the infrastructure phase — scheme connectivity, fraud, ledger, KYC/AML — so engineering capital goes to the product itself, and the launch date moves from someday to this quarter.
- Compliance primitives built in — PSD3, AMLD6, DORA aligned
- Pre-built Sumsub KYC/AML, fully white-labelled
- iOS & Android SDKs ready to brand and deploy
- Six weeks to pilot — in your environment, not ours
Modernise without migrating.
Wrap your existing core with a modern experience layer. Deliver instant, QR and Request-to-Pay in months, without rebuilding what already works.
- Integrates with your existing core banking
- Enterprise SSO and role-based access
- On-prem or sovereign cloud deployment
- Full audit trail, regulator-ready
Embed payments into your product.
Retail, telecom, mobility, marketplaces — if your product touches money, Hublio Payments lets you own that moment without an EMI license of your own.
- Embedded wallets and branded checkouts
- BIN sponsorship via partner network
- Loyalty and cashback built in
- Unit-economics transparency
Built for the next decade of payments.
Reach varies by deployment. Cross-border corridors depend on the licensing and partnership scope of each tenant — Hublio provides the infrastructure; authorisations are configured per customer.
From kickoff to live —
in four honest steps.
No vaporware, no "enterprise timelines". A focused, measurable path to a running product your customers can touch.
Discovery & shaping
We map your product, your users and your regulatory perimeter. You leave with a signed-off scope and a delivery plan.
Configuration & branding
Your tenant is provisioned in your environment. Branding, fees, user flows and integrations are configured. Internal testing begins.
Integration & UAT
We integrate with your core systems, KYC provider and card issuer. UAT against scheme test environments. Sandbox live for your team.
Pilot go-live
Controlled rollout to your first cohort. Monitoring, support and optimisation in tight feedback loops. Scale from there.
Pricing built for enterprise.
Hublio Payments is a B2B platform with custom pricing tailored to your organisation's needs, customer pool size and integration scope.
No off-the-shelf tiers. We size pricing to your customer pool, deployment model and integration scope — and put it in writing.
- Full white-label setup and tenant provisioning in your environment
- Custom brand building grounded in payments market research and current UX practice
- Dedicated implementation team and named point of contact
- SLA-backed uptime, support and incident response
- Custom integrations into your core systems and partners
- Onboarding, training and post-launch optimisation
- Monthly research brief — payments market evolution, scheme changes and product positioning, written by our research team
See Hublio Pay in action.
Tell us about your organisation and we'll get back to you within 24 hours.
Own the stack.
Ship in weeks.
Thirty minutes with our team is a fast way to pressure-test your payments roadmap. Bring your hardest question.