Empowering Financial Institutions and Fintechs
Accelerate, Modernize, Secure, Expand
Your Payment Landscape
ChromaFi® Platform delivers foundational payment system development framework and services that enable financial institutions and fintechs to rapidly build, scale and secure payment systems. Empowering CTOs to future-proof platforms against evolving payment rails and regulatory demands with standardized, reusable orchestration components that reduce development, testing and operational overheads.
ENTERPRISE SOLUTIONS
A modular, developer-first framework built for performance, extensibility, and seamless network interoperability enabling accelerated development and launch.
BUILD YOUR PAYMENT STACK
Empower your financial institutions and fintechs to accelerate payment switch modernization with a resilient, high-performance infrastructure framework built for enterprise scale. By simplifying ISO 8583 integration, reducing protocol complexity, and enabling ultra-fast message processing and sub-10ms tokenization, shorten time to market while maintaining predictable throughput at 10,000+ TPS. Utilize always-on architecture—including intelligent stand-in processing, zero message loss design, and built-in compliance controls — to ensure uninterrupted authorization, reduced operational risk, minimized PCI exposure, and secure management of billions of tokens. Build a future-ready payment foundation that protects revenue, strengthens regulatory posture, and scales confidently with evolving real-time payment demands.
Extensible solution for mission-critical payment systems including smart decision engine, dynamic configuration and zero hard-coded constraints.
Enterprise-grade data tokenization built for speed, scale, and compliance enforcing zero-trust security while enabling seamless ecosystem integration.
Accelerate your cloud migration with precision and control leveraging our framework that provides transformation, and modernization for on-prem systems.
CONNECT WITH OUR ENGINEERS
Our payment industry veterans partner with financial institutions and fintechs to assess, architect, and accelerate the successful adoption of the ChromaFi framework.
Architecture & System Assessment
Comprehensive review of your existing switch, authorization, tokenization, and integration landscape to identify performance, resiliency, and compliance gaps.
Strategic Modernization Blueprint
Clear, actionable roadmap for implementing ChromaFi—covering ISO 8583 integration, stand-in processing, token vault architecture, and cloud migration strategy.
Implementation & Optimization Guidance
Hands-on guidance from senior payment architects to ensure high-performance deployment, operational resilience, and long-term scalability.
ISO 8583 FRAMEWORK
The ISO 8583 Framework Library is a robust foundation for building and operating financial transaction processing systems. It enables organizations to reliably parse, construct, and validate ISO 8583 messages—the global standard for card and payment network communications. The framework simplifies integration with payment networks and financial institutions through flexible message mapping, configurable field definitions, and strong validation and error-handling capabilities. By abstracting protocol complexity, the library accelerates development of authorization, routing, and reconciliation workflows while ensuring standards compliance and interoperability across both ASCII and binary message formats.
End-to-End Message Handling
Provides complete parsing, construction, and validation of ISO 8583 messages, reducing implementation risk and ensuring reliable transaction processing.
Flexible Network Integration
Supports configurable field definitions and adaptable message mapping, enabling rapid onboarding of multiple payment networks and financial partners.
High Reliability & Robust Error Management
Delivers advanced error detection and handling to minimize transaction failures, operational disruptions, and reconciliation issues.
Broad Interoperability
Supports both ASCII and binary encodings, allowing seamless connectivity across heterogeneous payment and core banking systems.
Built-in Developer Utilities
Includes bitmap management and message packing/unpacking tools that accelerate development and reduce maintenance overhead.
Payment Workflow Management
Enables rapid implementation of routing, authorization, and reconciliation workflows while maintaining full compliance with ISO 8583 standards.
STAND-IN PROCESS
The Stand-In Processing Framework is a modular, developer-friendly platform that enables payment systems to maintain transaction continuity during downstream outages by intelligently authorizing transactions on behalf of unavailable issuer or host systems. The framework combines a smart decision engine with data-driven configuration to deliver high availability, controlled risk, and operational resilience across payment switch environments. Designed for modern payment infrastructures, the framework empowers developers to rapidly build, customize, and deploy stand-in business processes without hard-coding rules or compromising compliance. It supports both rule-based decisioning, enabling institutions to balance customer experience, fraud risk, and regulatory controls in real time.
Data-Driven Configuration
The framework replaces static, hard-coded logic with externally managed configuration, enabling real-time policy updates without redeployment. Configuration is driven by: BIN-level and product-level stand-in policies | Transaction limits, counters, and risk tiers | Merchant category and channel-specific controls | Time-bound and outage-specific rules. This approach allows operations, risk, and compliance teams to adjust stand-in behavior dynamically as business conditions evolve.
Developer-First Architecture
Built as a reusable framework. The solution provides developers with: Clear functions for decisioning, policy evaluation, and transaction scoring | Pluggable modules for rules engines, and data sources | Support for ISO 8583, API-based, or hybrid payment flows | Extensible hooks for issuer-specific logic and audit requirements | Developers can quickly assemble custom stand-in business processes without re-engineering the core switch logic.
Operational Resilience and Governance
The framework ensures enterprise-grade reliability through: Automated fallback activation and graceful recovery | Full auditability of stand-in decisions | Post-recovery reconciliation and exception handling | Policy versioning and traceability for regulatory compliance. This guarantees that stand-in processing remains controlled, transparent, and compliant, not a blind approval mechanism.
The Data Tokenization Framework is a reusable, standards-aligned platform designed to secure sensitive payment data while dramatically accelerating application development and integration across the payment’s ecosystem. By abstracting complex security, compliance, and lifecycle management concerns behind simple, well-defined functions, the framework enables teams to build, integrate, and scale payment solutions faster, safer, and with lower operational risk. At its core, the framework replaces sensitive payment elements such as PANs, bank account numbers, and personally identifiable information with non-sensitive tokens that can be safely used across internal systems, partner integrations, and cloud-native environments. This approach minimizes data exposure, reduces compliance scope (PCI DSS, privacy regulations), and simplifies secure data sharing without sacrificing performance or interoperability.
DATA TOKENIZATION
Unified Token Services
Policy-Driven Controls
Standardized functions for token creation, validation, lookup, and controlled de-tokenization.
Fine-grained access, purpose binding, and usage restrictions enforced centrally.
Developer Enablement
Observability & Governance
SDKs, sandbox environments, and reference integrations to speed onboarding.
Built-in audit trails, monitoring, and compliance reporting.
Ecosystem Integration
Works alongside switch platforms, payment networks, fraud systems, and real-time payment rails.
CLOUD BOOSTER
The Cloud Booster is a repeatable set of guidelines and transformation components that help accelerate migration of typical distributed on-premises products and services. Via various mechanisms, such as transformation, lift and shift, modernization, containerization, and other facets, this helps developers improve overall time to market, development capital expenditure reduction, along with resource available cycle times to get the best results of your cloud migration without exhausting money, resources, and time.
Reduce Capital Costs (CapEx / Op Ex)
Reducing the overall investment in development dollars can not only help reduce the already burdened impact on your development staff but also help manage overall expenses.
Time to Market
By having pre-defined, config-driven tools that help convert typical distributed products to cloud-native products in various forms, will help overall acceleration of production-readiness and the ability to keep business continuity and customer experience in focus.
Various Modalities
The ability to bring to bear various design patterns and migration approaches is a considerable benefit to our customers. From Lift and Shift, vs Modernize/re-architecture, or more common conversions like containerization, micro-service enablement, you will have the tools needed to navigate any effort of any size. This provides ways for you to quickly define your migration plan and reduce time and resources committed for these overall efforts.
Value Drivers
Faster ISO 8583 Integration
Less Protocol Complexity
Reduction in Development Effort
Transaction Continuity During Outages
Lower Operational Risk During Host Downtime
Reduction in Sensitive Data Exposure
Reduction of PCI Scope
Cloud-Native High Availability
Performance Standards
Ultra-Fast Message Processing
Tokenization in <10ms
Instant Secure Data Exchange
Fast Track Token Vault Deployment
Modernize Legacy Payment Systems
Fast Track Cloud Migration
Fast Track Modernization
Scaling & Architecture
10,000+ TPS Ready
Millions of Transactions Per Hour
128 ISO Fields Fully Supported
Handles 100% of Authorization Traffic During Outages (Stand In)
Billions of Tokens Managed Securely
High-Throughput Token Vault Architecture
Built for Enterprise-Level Payment Volumes
Reliability-Resilience Metrics
99.999% Processing Reliability
Zero Message Loss Architecture
Built-In Standards Compliance
Always-On Authorization
High-Availability Decision Engine
Fail-Safe Transaction Continuity
Zero-Trust Security Model