Complete Payment Infrastructure

The Payments OS is the all-in-one system for the modern payments business. Consolidating onboarding, risk, routing, settlement, and portfolio management into one unified stack so you can scale with every rail and every revenue stream.

| as a Service

Payments Hub (Cards, RTP, FedNow)

Enable multiple payment rails—card and bank-based (RTP, FedNow)—via your chosen processor.

Smart routing with automated failover

Unified settlement & deposits view

Refunds, voids, tokenization

AI Underwriting Engine

Instant or hybrid decisions with configurable rules and ML signals per processor/bank program.

Custom scorecards & policy tuning

Document requests, case notes, audit trail

Review queues & escalation workflows

Merchant Onboarding & KYC/KYB

Automate application collection, identity/business verification, and approvals.

Dynamic forms & e‑signature

Automated KYC/KYB checks

Team assignments, SLAs, and alerts

Device & POS Integrations

Integrate with certified POS and device partners in one unified system.

Device catalog,procurement and tracking

Manage deployments and configurations

Transaction visibility and reporting

Transaction Lifecycle & Reporting

Trace every payment from authorization to deposit.

Ledgered events & reconciliation aids

Scheduled reports and webhooks

Disbursement timelines & exceptions

Multi‑Agent Pay Splits

Assign multiple agents to a merchant with transparent splits and role‑based visibility.

Residual rules by product or processor

Statement‑ready payouts

Agent portals with performance dashboards

Dispute Management

Centralize chargebacks and retrievals with guided workflows.

Evidence templates & file capture

Status timelines and deadlines

Outcome analytics by merchant, MCC, and processor

Open Banking Integration

Instant account verification to reduce NSF and speed onboarding.

Bank account linking and validation

Risk checks & micro‑deposit alternatives

Secure consent flows

Integrations Marketplace

Connect finance and revenue ops tools to close the loop on customers and cash.

Accounting (e.g., QuickBooks, Sage)

CRM (e.g., HubSpot, Salesforce)

ERP & data warehouses

Mobile App Payments

Accept contactless payments on iOS and Android with unified reporting.

Tap‑to‑Pay support

Device enrollment & roles

Offline‑tolerant capture with sync

Join NGnair’s Partner Network Today

One system. Every rail. Every partner. Every revenue stream. Payments NGnair provides processor-agnostic, ISO-first infrastructure that replaces fragmented legacy stacks with a single, resilient foundation.