We work vendor-neutrally but maintain deep expertise across the leading payment technology platforms. Our consultants hold hands-on production experience with the HSMs, fraud engines, testing labs, and gateways that power global payment infrastructure.
FinPay is proud to partner with KOZEN, a global smart POS manufacturer, to bring certified, scheme-compliant terminal hardware to banks, acquirers and merchants — from device selection through EMV chip profiling, MTIP/ADVT/CDET certification, and rollout.
KOZEN specialises in electronic payments, delivering Android-based smart POS solutions that blend innovative industrial design with leading-edge technology. Its terminals serve catering, retail, technology and banking sectors worldwide — recognised with the iF Design Award and Red Dot Award 2024.
A8 Dual, A8K Dual, A6, A6K, A1, P17 and D8. Refined simplicity with reliable performance for global markets — Android Go, Cat.4 connectivity, dual-screen NFC, and TMS remote device management across small to large merchant scenarios.
P8 Dual, P8 Go and P8 Neo. Cutting-edge design meets advanced technology — Android 15, 12nm octa-core, industry-first dual screens, the largest 122 cm² NFC area, up to 218,000 AnTuTu and 18-hour battery life.
The N2 smart payment cube — dual merchant and customer screens, 108 dB audio, and integrated card and code acceptance in a compact desktop form factor with advanced 4G, Wi-Fi and Bluetooth connectivity.
The Flex 002 (N6) — a 4-in-1 design combining card and code payment with receipt printing. Frictionless scanning, plug-and-play SaaS-ready setup, and modular accessories to tailor the workflow to any counter.
No referral fees. No reseller agreements. No preferred vendor obligations. Our expertise is earned in production — configuring payShield HSMs, integrating CyberSource REST APIs, and running certification sessions on Fime lab equipment.
When we recommend a platform, it's driven entirely by your requirements: transaction volume, existing infrastructure, scheme mandate, and budget.
Many payment consultancies earn undisclosed revenue from technology vendors through referral arrangements. At FinPay, our only commercial relationship is with our clients. We disclose this policy in every engagement letter, and we encourage clients to verify our platform recommendations independently.
The platforms below represent FinPay's active advisory competencies — systems our consultants have configured, integrated, tested, and certified against in live payment environments.
payShield 9000 and 10000 series hardware security modules. LMK management and key injection, PIN translation and verification, CVV/PVK generation, ZPK/ZMK key exchange, and PCI PIN security compliance.
SecurityServer CSe hardware security modules. PKCS#11 cryptographic interface integration, PCI HSM compliance assessment, key ceremony management, and FIPS 140-2 Level 3 validated deployments.
nShield hardware security modules for payment and code-signing workloads. Key ceremony design and execution, nShield Connect network HSM integration, and enterprise PKI key hierarchy management.
REST API v2 integration and Simple Order API migration, Decision Manager rule design and shadow-mode validation, Token Management Service (TMS), Payer Authentication 3DS 2.x, and Visa Secure configuration.
Mastercard Payment Gateway Services — Hosted Checkout and Direct API integration, MDES network tokenization via MPGS, 3DS 2.x configuration, and recurring billing credential management.
EMVCo Level 1, Level 2, and Level 3 accredited test laboratory. MTIP test platform operation, Visa payWave and Mastercard contactless certification, and terminal acceptance testing across multiple schemes.
Terminal testing and scheme compliance validation using UL's Card Acceptance Device Testing (CADT) framework. TTA lab integration, Mastercard and Visa terminal type approval programme support.
Visa Test Center portal management, ADVT (Acquirer Device Validation Toolkit) test script execution, payWave test script configuration, and Visa scheme certification workflow management.
MTIP simulator configuration and test case management, IPM clearing test environment integration, Mastercard Interface Processor compliance testing, and BASE II file format validation.
Adaptive Behavioural Analytics engine for real-time payment fraud detection. ML model tuning, feature engineering for card-not-present and card-present channels, and risk score calibration against portfolio-specific fraud patterns.
Industry-standard neural network fraud scoring system. Rule engine configuration, Falcon strategy design, case management workflow optimisation, and fraud analyst training on score interpretation and strategy management.
BASE24 host simulator for acquirer and issuer integration testing. Transaction routing simulation, authorisation response generation, decline code scenario testing, and end-to-end switch certification preparation.
Whether you are integrating a new HSM, migrating a payment gateway, standing up a fraud platform, or preparing for scheme certification — FinPay's consultants bring hands-on platform expertise without the vendor agenda. Tell us what you are building and we will tell you how we can help.