Engine Specifications

DirectCash™ enables real-time processing of card-to-bank payouts, a critical function for platforms that handle cashouts, commissions, or customer refunds. With no dependency on services like Stripe or Wise, this processor connects directly to acquiring banks or card networks to initiate direct deposits. Includes fraud prevention modules, bank validation, multi-currency support, and real-time delivery reports. Designed to operate under compliant jurisdictions with strong KYC/AML integration. A vital processor for financial platforms, affiliate networks, and marketplaces.

ConvertX™ is an innovative solution that allows merchants or platforms to receive card payments and instantly convert them to cryptocurrency via integrated APIs with conversion platforms or self-hosted wallets. It ensures seamless end-user payment experience while handling all conversion logic in the backend. The system includes exchange rate APIs, on-the-fly KYC/AML verification, and wallet destination routing. No manual intervention is required. Ideal for businesses looking to protect against fiat inflation or accept crypto without asking users to own wallets. Perfect for platforms looking to accept global card payments but manage revenues in digital assets.

PayFlex™ is a wallet-based processor inspired by the PayPal architecture, allowing users to register, load funds, transfer money to others, or pay merchants directly within your platform. The system handles balance tracking, KYC, transaction logs, security policies, and optional withdrawal modules. Includes wallet top-up via cards, crypto, or bank transfers. Provides buyer/seller protection and refund tools, plus dispute resolution modules for compliance. This is the go-to solution for platforms that want to create their own internal economy.

SwiftDirect™ is a professional-grade solution that connects your payment system to SWIFT messaging networks (via APIs or third-party channels). It allows your customers to send or receive cross-border payments using bank wires, with traceability, KYC/AML compliance, and real-time updates on each transaction. The solution does not require linking to a specific bank. Instead, it can use approved messaging endpoints and SWIFT network routing to send instructions. The engine includes status updates, delivery reports, and compliance integration features. Especially suited for international fintechs, brokers, and B2B platforms handling large transfers.

CryptoCore™ allows your business to accept, manage, and settle cryptocurrency payments with or without third-party wallet services. It supports major blockchains including Ethereum, Bitcoin, BSC, and stablecoins like USDT/USDC. The system features on-chain transaction validation, automatic wallet generation per customer, exchange rate handling, transaction tracking, and API callbacks for payment confirmation. Unlike centralized solutions (e.g., Coinbase Commerce), CryptoCore™ can be installed on your own infrastructure, giving you total control over keys, transactions, and crypto liquidity. It can also interface with external exchanges for auto-conversion if desired. Ideal for platforms that want full crypto capability, without relying on intermediaries.

 PayEngineers CardCore™ is a fully autonomous bank card payment processor designed for businesses that require independence from third-party platforms like Stripe or PayPal. It facilitates direct Visa/Mastercard transactions between your customers and your merchant account without routing payments through third-party gateways. This solution includes its own transaction engine, authentication logic (3D Secure), card validation modules, and optional settlement system. Built using PCI-compliant encryption models, CardCore™ ensures secure, reliable, and fast payment flows with no underlying processor dependency. You retain 100% control of your financial data and customer experience. The system includes customizable front-end payment forms, API endpoints for integration, and tools for real-time analytics. Ideal for merchants, platforms, and fintechs seeking to reduce fees, increase compliance control, and eliminate third-party intervention.