What we offer

Services

One gateway. Every corridor.

Software is live today. Moving real money follows licensing.
01

Open Banking Infrastructure

API-first rails that help banks and lenders ship modern digital products in weeks — not the years a core replacement demands. Standards-aligned, secure, and designed to sit under SBP guidelines once the relevant authorisation or bank-sponsored model is in place.

A hand taps a blue card on a payment terminal showing the Stratos mark
02

Digital Payment Gateways

Accept cards, wallets, Apple Pay, Google Pay and bank transfers through one integration — designed for merchants from a single storefront to a national chain, with 3DS2-ready checkout design and a refund/dispute console.

03

Cross-Border Settlements

Inbound collection design from the UK, USA, UAE and Europe with live balance visibility and automated FX pathways — full audit trails and SBP-aware reporting language for finance teams and Authorised Dealer banks.

A developer's desk with code on the monitor at night
04

Enterprise Integrations

Host-to-host connections, webhooks and a dedicated onboarding team that gets corporate systems reconciling from day one. ERP connectors, custom reporting and line-item payout status instead of file-level opacity.

How we work

Four steps, no shortcuts.

  1. 01

    Discover & classify

  2. 02

    Design the corridor

  3. 03

    Integrate in sandbox

  4. 04

    Operate with controls

Tiers

Three tiers, by identity.

  1. 50 km
    Diamond

    Verified: the mark on the record and the wallet card.

    Enhanced verification complete

  2. 12 km
    Platinum

    A document and face check is under way.

    Basic identity check started

  3. 0 km
    Basic

    Every account starts here.

    Before any identity check

Tiers follow identity checks, never spend. No tier holds balances or moves money until a licensed partner rail is live.

See the three cards

Fees

What you'd keep.

Example rates
USD
Card or bank scheme
− USD 1.00
Licensed partner
− USD 0.60
Stratos
− USD 1.10
You keep
USD 97.30

Example only, not a price list. No real payment runs until a licensed partner connects.

Honest packaging

What's live, what waits.

Live now as software

  • Staff, merchant and customer control panel
  • Hosted KYC with document and face checks
  • Payment links, settlement views and reports
  • iOS and Android app on the same ledger
  • Developer sandbox

Needs a licence or partner bank

  • Live card acquiring and scheme settlement
  • Holding customer e-money or wallet balances
  • Acting as a bank, EMI or money transmitter
  • Standalone foreign-exchange dealing

Building something?

Tell us your market and currencies. We'll reply from this desk.