Case Studies

Client Success Stories

Real-world payment transformation across issuing, acquiring, scheme certification, fraud, and infrastructure. Every project below was delivered on schedule, on scope, and with measurable outcomes.

Results That Matter

Six Projects. Six Transformations.

The engagements below represent a cross-section of FinPay's project portfolio — spanning Bahrain, the UAE, Central Bank programmes, and regional issuers. Client details are generalised where required by NDA; all metrics are verified outcomes.

Scheme Certification

Gulf Commercial Bank

MTIP & payWave Certification Completed in 87 Days

A Bahrain-based commercial bank needed MTIP and Visa payWave certification for a new POS terminal estate before a regional card scheme deadline. FinPay embedded with the bank's technology team, conducted full pre-certification simulation, and authored all defect remediation specifications before the official Visa test window opened.

  • 87 days to certification (vs 6-month industry avg)
  • 0 failed test submissions
  • 100% pass rate on first attempt
MTIP ADVT EMV Contactless
Gateway Integration

MENA Fintech PSP

CyberSource REST API Migration & Decision Manager Go-Live

A UAE-based PSP running Visa's legacy Simple Order API needed migration to the REST API v2 while simultaneously activating Decision Manager in active mode with custom rule sets. FinPay designed the migration architecture, authored the Decision Manager rule logic, and managed the parallel-run validation programme to ensure zero revenue disruption during cutover.

  • 4 months full migration timeline
  • 34% fraud rate reduction post go-live
  • 22% API response time improvement
CyberSource Decision Manager REST API
ISO 20022 Migration

Central Bank Project

National RTGS ISO 20022 (pacs.008/camt.053) Go-Live

Advised a central bank's technical team on migrating the national RTGS from a proprietary format to ISO 20022 CBPR+ compliance, covering pain.001, pacs.008, pacs.002, and camt.053 message families. FinPay produced the full message catalogue, schema validation test suite, and participant readiness assessment framework used to onboard 47 member institutions.

  • Zero-downtime cutover to live ISO 20022 environment
  • 100% schema validation pass across all message types
  • Full CBPR+ compliance achieved at go-live
ISO 20022 CBPR+ RTGS
Fraud Operations

Tier-2 Issuing Bank

Fraud Rule Engine Overhaul — 41% Reduction in Losses

A regional issuer operating with outdated static rule sets and no velocity controls engaged FinPay to redesign their fraud detection strategy. FinPay used shadow mode deployment and A/B testing to validate new multi-dimensional velocity rules before live activation, eliminating the risk of authorisation rate degradation during the transition.

  • 41% fraud loss reduction within 90 days of go-live
  • 0.9% false positive rate (down from 3.2%)
  • Full shadow-to-live rule migration with zero incidents
Fraud Rules Velocity Controls FICO Falcon
Clearing & Settlement

Acquiring Processor

VCE Edit Package Compliance — Eliminating $2M Monthly Rejects

An acquirer processing 8M+ transactions monthly was experiencing $2M in monthly rejected clearing files due to Edit Package non-compliance, including DE43 formatting errors, DE22 POS entry mode failures, and missing DE55 ICC data on chip-read transactions. FinPay conducted a full clearing file audit and redesigned the acquirer's clearing construction logic to meet Visa BASE II Edit Package specifications.

  • 0.08% Edit Package reject rate (down from 4.3%) in 60 days
  • $2M+ monthly revenue recovered
  • 60 days from engagement start to compliant clearing
VCE Edit Package BASE II ISO 8583
Digital Payments

Islamic Digital Bank

Apple Pay & Google Pay Launch with MDES Network Tokenization

A newly licensed digital bank needed to stand up Apple Pay and Google Pay from scratch, including the MDES provisioning path, TAVV cryptogram generation, and contactless EMV profile harmonisation to support token-based transactions at NFC terminals. FinPay managed the full technical integration lifecycle from TSP enrolment to production wallet go-live.

  • 11 weeks from engagement start to live wallet payments
  • 100% MDES provisioning success rate at launch
  • 67% of new card activations added to wallet within 72h
MDES VTS Apple Pay Google Pay
Confidentiality & NDA: FinPay Consultants signs mutual non-disclosure agreements for all client engagements as a matter of policy. Client names and sensitive commercial details in the case studies above have been generalised accordingly. Full reference details, including named client contacts, are available to qualified prospects upon request and under NDA.

Start Your Transformation

Every engagement in this portfolio began with a scoping conversation. Tell us about your programme — certification target, infrastructure challenge, or fraud objective — and we will tell you exactly how FinPay can help.

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