Tieto Banktech

Card acquiring software for acquirers, PSPs and ISVs

Modernize merchant acquiring with a resilient platform that helps you balance innovation, cost, and control across channels.

At a glance

Years experience

30+

Ultra high availability

100%

Merchants

40 000+

Challenge

Grow merchant acquiring without increasing complexity

Card acquiring is a competitive, operationally complex business. Margin pressure, scheme rules, new payment methods, fraud risk, and the burden of supporting merchants across channels all make change difficult for acquirers, PSPs, and ISVs.

Tieto Banktech helps providers grow merchant payment revenues, retain control over pricing, data, and customer experience, and reduce the complexity of authorization, clearing, settlement, reconciliation, disputes, and merchant servicing.

Benefits

Why financial institutions choose our card acquiring services

Grow merchant payments while improving resilience, operational control, and the economics of your acquiring business.

  • 1

    Keep merchant relationships healthy

    Retain control over your merchant relationships, pricing, payment data, and customer experience rather outsourcing these critical functions.

  • 2

    Serve merchants across channels

    Support in-store, online, and omnichannel commerce across POS, ATM, e-commerce, mobile, and online channels.

  • 3

    Cut complexity to grow your business

    Use bank-grade infrastructure, process automation, reconciliation, settlement, reporting, and optional BPO to reduce the burden of running in-house acquiring operations.

Two ways to modernize card acquiring

Built for acquirers, PSPs, and ISVs, this solution strengthens your role in the payments value chain while supporting long-term scalability, regulatory compliance, and operational resilience. Choose a service-led or software-led model to match your business needs.

Acquiring services

A modular, service-led route for providers that want to move faster, reduce operational burdens, and rely on shared expertise for platform operations, updates, compliance, and monitoring. 

Our product includes integration points, 24/7 platform monitoring and administration, compliance, security, and functional updates, API integration, and optional advanced features or outsourced services.

Merchant management and acquiring software

A software-led route for acquirers that want more ownership of infrastructure, integration, pricing, merchant experience, and day-to-day acquiring operations. 

Run mobile, POS, ATM, and e-commerce channels, international and domestic scheme connectivity, authorization, clearing and settlement, reconciliation, reporting, and customer-specific accounting. 

Capabilities

Card acquiring software capabilities

Explore capabilities for merchant management, authorization, clearing, settlement, reconciliation, disputes, and reporting.

Insights

Read more on Cards

  1. Case

    Success factors behind card transformation

    Modern card transformation demands resilient tech, agile processes, skilled teams, and trusted partnerships.

    Read more
  2. Blog

    ATM Pooling: the future of cash provision

    ATM pooling can help German banks maintain secure, widespread cash access while managing rising costs and regulatory complexity. Discover how bank-neutral partnerships can make shared ATM networks work.

    Read more
  3. News

    Tieto Banktech enables fintech XONO SOFT’s expansion into card processing

    Read more
  4. Blog

    As new regulations increase complexity, banks need more flexible ATM management

    German banks face rising ATM costs, declining cash use and stricter resilience requirements. Learn how a single experienced partner can simplify ATM management and compliance.

    Read more
Card acquiring

Grow acquiring while you scale the bank

Talk to us about how to grow merchant payments across channels, and own your relationships with merchants. We have an acquiring service or software solution to fit your business.

FAQ

Your questions answered