01
POS acquiring
Terminals, payment applications, checkout integrations and connections to bank processing.
Hardware · Software · Protocols
MST · Payment technology consultingPayments are complex.
Payments are complex.
Solutions need
careful design.
We help banks, fintech companies and businesses design payment services. From acquiring architecture and technology selection to resilient infrastructure.
POS · Biometrics · Web
Payment expertiseArchitecture · Implementation experience
Deep payment expertiseFrom the device.
From the device.
To the entire payment system.
We consider the customer journey, integrations and infrastructure together. We select solutions your team can implement and develop.
02
Biometric acquiring
Connect the biometric workflow with banking infrastructure, the payment transaction and the customer interface.
Biometrics · Bank · Payment
03
Internet acquiring
The payment journey on websites and in apps: order creation, payment processing, statuses, reversals and refunds.
Web · Mobile · Backend
04
Technology selection
Technology for your workloads, team and product roadmap. Compare options with total cost of ownership in mind.
Requirements · Selection · Rationale
05
Resilience
Redundancy, failure scenarios, recovery and observability. Architecture built around business requirements.
Availability · Data · Recovery
06
Infrastructure audit
Analyse connections, bottlenecks and risks in an existing payment system. Prioritise improvements.
Diagnosis · Risks · Plan
Your needs are the starting pointSolutions for each stage
Solutions for each stage
of your project.
From concept to architecture.
You are planning a payment product and want to validate key decisions before development.
- Analyse the business workflow and payment journey
- Define participants and responsibilities
- Compare technology stacks and integration options
- Develop a pilot plan and launch criteria
Deliverables for your team
A target architecture, technology rationale and roadmap.
Scale with a plan.
Your system works. You need to increase workloads, add channels or expand your device estate.
- Assess the existing architecture and constraints
- Review status handling and repeated requests
- Plan redundancy and monitoring
- Prepare migration stages and load tests
Deliverables for your team
A growth architecture, migration plan and validation programme.
Find the cause. Reduce the risk.
You need to understand where errors, delays and discrepancies arise in the payment flow.
- Map transactions from the customer to processing
- Analyse logs, statuses and integration behaviour
- Identify critical points of failure
- Define fixes and priorities
Deliverables for your team
A report on causes, risks and a prioritised action plan.
Practical deliverablesHelp your team
Help your team
move forward.
We define deliverables around the task. We document decisions, constraints and the implementation approach.
Current system map
Components, integrations, payment flows and responsibilities. A shared view for business and technical teams.
Target architecture
The proposed system structure and development options. We explain why the chosen solution fits the task.
A justified technology stack
Compare technology against requirements, team expertise, support and total cost of ownership.
Risks and priorities
What affects payment workflows and service availability. Which changes should come first.
Implementation plan
Stages, dependencies, pilot and validation criteria. A foundation for planning and assessing results.
See the whole systemResilience
Resilience
starts
with architecture.
Redundant nodes are part of the solution. We also examine the transaction path, repeated requests, statuses, data recovery and the team's response to failures.
- Availability and recovery requirements
- Consistent statuses and payment data
- Redundancy and failover testing
- Observability and response procedures
POS terminal
Biometrics / Mobile
Web payments
↓↓↓
Payment logic and integrationsTransaction · Status · Reversal · Refund
↓↓↓
Bank processing
Data and redundancy
Monitoring
Experience behind our recommendationsWe develop
We develop
and implement payment products.
We draw on MST software development, banking integrations and our group's infrastructure experience.
JoinPOS
Payment terminal software
MST BIO Proxy
Biometric acquiring integration
JoinPSP
Pre-processing and integrations
syncweb
Infrastructure and hosting
Completed project · VTBBiometric age verification.
Biometric age verification.
FINOPOLIS 2025.
The MST team implemented age verification followed by biometric payment. The project used JoinPOS and MST BIO Proxy.
View project
How we workFirst, understand.
First, understand.
Then, propose a solution.
Start with a specific question or a comprehensive audit. We agree the depth of analysis before work begins.
-
01
Understand the task
Business goals, existing systems, constraints and expected results.
-
02
Research
Interviews, documentation, interaction diagrams and operational system data.
-
03
Solutions and options
Compare approaches, risks and target architecture.
-
04
Deliver the results
Team materials, a review of decisions and a plan for the next steps.
Questions answeredWhat to know
What to know
before starting.
Can we start with one technical question?+
Yes. For example, choosing a POS terminal, designing biometric acquiring, integrating online payments or validating an architectural decision. We agree the precise question and deliverable format.
Do we have to use MST products?+
Solution selection depends on your requirements and infrastructure. Our recommendations explain the choices, consider alternatives and account for existing systems.
Can you help implement the recommendations?+
Yes. After consulting, we can separately discuss development, integrations, a pilot and implementation support. We agree the scope with your team.
How are timelines and costs determined?+
After understanding the task, we assess the depth of research, available materials and required deliverables. We agree the scope and terms before the project begins.
Start with your challengeUnderstand your challenge.
Understand your challenge.
In the language of payments.
A new payment service, technology selection or growth of an existing system. Tell us which decision you need to make, and we will propose an approach.
- The task and current project stage
- Participants and payment workflows
- Infrastructure, constraints and expected results
Scope and terms are defined after we understand your project.
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