CARDELSE builds payment hubs, digital wallet platforms, card integrations and modular fintech solutions for financial institutions and ambitious technology companies.
Built for EMIs, payment institutions, fintech companies and digital finance platforms.
Connect payment methods, card processors, banking services, wallets and financial providers through a unified technology layer.
Select a connection category to see what it enables.
Acceptance and issuing connectivity through Visa and Mastercard integration infrastructure.
A unified engineering foundation spanning payments, cards, wallets and orchestration — adopt one component or the entire platform.
Use a complete CARDELSE platform or integrate only the components your existing system requires.
Unified processing, routing and settlement.
| Transaction | Method | Provider | Amount | Status |
|---|---|---|---|---|
| tx_9F21 | Card | Provider A | €42.00 | Authorized |
| tx_9F22 | SEPA | Provider B | €1,250.00 | Routing |
| tx_9F23 | Wallet | Provider A | €18.50 | Settled |
| tx_9F24 | Open Banking | Provider C | €320.00 | Retry |
Interface shown is illustrative.
CARDELSE designs and builds the software infrastructure that powers modern financial products. We work with regulated and technology-driven financial businesses to deliver payment hubs, card integrations, wallet platforms, ledgers and back-office systems.
We are a technology and software provider — an engineering partner that designs scalable fintech infrastructure for production environments. Our teams combine deep payments expertise with clean, scalable architecture so your product can move money reliably and evolve quickly.
CARDELSE is a technology and software provider — an engineering partner, not a bank or licensed financial institution.
A disciplined delivery process built for financial-grade software.
We analyse the business model, regulatory context, existing infrastructure and commercial objectives.
We build and integrate the specific systems each type of financial business needs.
Representative solution architectures based on common fintech infrastructure requirements. Details are illustrative and generalised.
A unified orchestration layer connecting multiple payment providers, transaction routing and centralised reporting.
Fragmented provider integrations with no central routing, reporting or reconciliation.
A single orchestration layer with provider management, smart routing, failover and consolidated reporting.
A modular wallet architecture supporting separate fiat and digital asset balances under a unified user experience.
Separate systems for fiat and crypto created operational and accounting complexity.
A modular wallet core with distinct fiat and crypto balances backed by one internal ledger.
A card management layer connected to wallet balances, funding workflows, transaction controls and back-office operations.
Cards needed to be funded from wallet balances with real-time controls and oversight.
A card management layer wired to wallet funding, spending controls and back-office operations.
An independent fee engine and reconciliation module integrated into an existing fintech architecture.
An existing platform needed a configurable fee engine and reliable reconciliation.
Standalone fee and reconciliation modules integrated cleanly into the current stack.
A consistent, well-structured interface across every rail — designed for clean integration and predictable behaviour.
Developer access and full technical documentation are available for approved projects.
Amounts are expressed in the currency's minor unit unless otherwise specified.
const payment = await cardelse.payments.create({
amount: 4200,
currency: "EUR",
method: "card",
})Security and control are foundational to how we architect financial infrastructure.
Security, regulatory and compliance requirements depend on each client's jurisdiction, licence, business model and selected technology partners. CARDELSE provides software infrastructure and does not replace the client's legal, regulatory or compliance responsibilities.
Tell us what you are building. Our engineering team will help you scope the right architecture and delivery model.