Home›Industries›FinTech & Billing
FINANCIAL INFRASTRUCTURE & PAYMENTS

Software Solutions for Next-Generation FinTech & Billing.

Enterprise billing engines, automated KYC verification pipelines, double-entry ledger databases, and high-concurrency payment routing built for absolute transactional integrity.

Book a Technical Discovery CallExplore Case Studies
Digital fintech payment analytics and transactional interfaces
ENTERPRISE COMPLIANCE

Audited, certified, and SLA-guaranteed engineering delivery from MELOS.

Specialized FinTech & Billing

Every system is engineered to satisfy stringent operational security standards and eliminate friction across user touchpoints.

Immutable Ledger Systems

Double-entry accounting databases ensuring zero mathematical drift.

Strict ACID immutable event journals preventing balance tampering
Sub-millisecond ledger balance queries across millions of transactions
Automated continuous reconciliation between internal accounts and banks
Strict Double-EntryInquire →

Smart Payment Orchestration

Dynamic payment routing maximizing transaction success rates.

Intelligent multi-acquirer failover routing to minimize declined charges
Automated fee tier optimization reducing merchant processing costs
Instant webhook notification dispatch with cryptographic signature verification
PCI-DSS Level 1Inquire →

Automated KYC / AML Pipelines

Identity verification, biometric liveness checks, and sanctions screening.

AI document OCR scanning for national IDs, passports, and utility bills
Facial match liveness verification preventing deepfake account fraud
Continuous screening against OFAC, PEP, and international sanctions lists
AML / BSA CertifiedInquire →

SaaS Subscription & Invoicing

Usage-based metered billing, prorations, and revenue recognition.

Complex usage metering calculating hourly API calls and data consumption
Automated dunning retries recovering over 40% of failed subscription renewals
ASC 606 compliant automated revenue recognition and tax calculation
ASC 606 / IFRS 15Inquire →

Open Banking & API Gateways

PSD2-compliant secure account aggregation and payment initiation.

OAuth2 / mTLS secure bank connection channels for statement aggregation
Instant account-to-account (A2A) transfers bypassing card network interchange
Granular consent management portals for consumer data access controls
PSD2 / Open BankingInquire →
Immutable double-entry ledgerAutomated KYC / AML verificationPCI-DSS Level 1 complianceSub-millisecond payment routingASC 606 revenue recognition

Accelerate your FinTech & Billing roadmap with MELOS.

Get senior engineering teams plugged in within two weeks. EU legal contracts from Warsaw with engineering execution from Addis Ababa.

Schedule a 30-min discovery call