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.

Merchant management

Authorization, clearing and settlement

Reconciliation

Merchant portal

E-commerce gateway

Smart routing

Flexible pricing

Fraud and dispute management

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.

See all blogs

FAQ

Your questions answered

What is card acquiring processing?

Card acquiring enables merchants to accept card payments across physical and digital channels. It connects merchants, PSPs, acquirers, card schemes, and issuing banks in a highly complex process to exchange money accurately and efficiently. Our card acquiring solution includes authorization, clearing and settlement, dispute handling, smart routing, and high-availability transaction processing.

Is your card acquiring platform built for banks?

The Tieto Banktech Card Acquiring product is built specifically for banks. It helps you to run and scale your bank’s own acquiring business while you retain commercial control, brand ownership, access to merchant data, and ownership of the customer experience.

How can banks compete with global PSPs in merchant acquiring?

Banks can compete with global PSPs by owning more of the acquiring value chain. Tieto Banktech helps banks retain merchant relationships, pricing control, payment data, and ownership of the customer experience to understand buying trends, new recurring business opportunities, and potential savings from a modern, industry-ready infrastructure.

What is the difference between acquiring services and merchant acquiring software?

Acquiring services suit banks looking for a phased, modular implementation of services such as platform monitoring, automated and updated compliance and security protocols, APIs, and optional outsourcing options. Merchant acquiring software suits acquirers wishing to operate and control more acquiring functions themselves.

Does Tieto Banktech support in-store, online, and omnichannel acquiring?

Yes. Our acquiring product supports in-store, online, and omnichannel commerce. This includes POS, ATM networks, e-commerce, mobile, and online channels, as well as merchant management, routing, settlement, reporting, and support for value-added services.