Native Financial Infrastructure & Margin Optimization Architecture.
Unify core software systems with embedded financial technology—designed to eliminate software overhead, streamline multi-channel processing, and protect operational capital.
Pricing structures
Flexible Pricing Models That Work for Your Business
Whether you want to eliminate processing fees entirely or optimize your interchange costs, we have a pricing structure designed for your volume and business type.
Dual Pricing
Offer customers a cash price and a card price at the point of sale. Merchants effectively eliminate credit card processing fees by passing the cost to card-paying customers — fully compliant with card brand rules.
Interchange Plus
Pay the true interchange cost set by Visa and Mastercard, plus a small fixed markup. Full transparency on every transaction — ideal for high-volume merchants who want the lowest possible effective rate.
Level II / III Automation
Automatically attach up to 14 data elements to every qualifying B2B transaction, unlocking the lowest interchange rates available for commercial card purchases — without any manual clerk input.
Platform capabilities
Enterprise Gateway Features
A processor-agnostic, fully scalable payment gateway built for businesses that can't afford downtime or complexity.
Open API Integration
We integrate with any software that has an open API — ERP, CRM, billing, POS, or custom-built systems. If your platform exposes an open API, we can connect to it.
Dual Pricing Support
Built-in dual pricing engine works with any software that has an open API, enabling merchants to offer cash and card pricing at checkout without custom development.
Advanced Fraud Protection
Eleven customizable risk modules including velocity controls, AVS/CVV response rules, and a configurable risk score card to protect every transaction.
Secure Payment Vault
PCI DSS Level 1 compliant tokenization and card storage. Keep your customers' data secure and your business out of PCI scope.
ACH & Check Processing
Accept ACH and eCheck payments through the same gateway — via virtual terminal or any integrated software interface.
Multi-MID Capabilities
Manage multiple merchant IDs under one master account. Ideal for national accounts, franchises, and multi-location businesses with advanced reporting needs.
Recurring & Subscription Billing
Automate recurring payments and subscription management with built-in tools for submitting, tracking, and modifying recurring transactions.
3D Secure Checkout
Add an extra layer of fraud protection at checkout. Reduces chargebacks and false declines while increasing approval rates on card-not-present transactions.
Multi-Currency Conversion
Process transactions in more than 130 currencies while settling in USD — ideal for ecommerce businesses serving international customers.
Open API
Integrates with Any Software That Has an Open API
From ERP and accounting systems to shopping carts and CRMs — if the software has an open API, we can integrate. Dual pricing is also supported on any open API platform. National accounts and large merchants get a dedicated integration team.
SAP, Oracle, Microsoft Dynamics, NetSuite, Sage, Epicor
Salesforce, HubSpot, and custom CRM solutions
WooCommerce, Magento, BigCommerce, Shopify, and more
Any POS or billing platform with an open API or iFrame support
Specialized ERP systems for manufacturing and distribution
Proprietary platforms via REST API, iFrame tokenization, or SDK
Why Choose FINTLOBO™ for Enterprise Payments
Dedicated Relationship Manager
Every account — small or large — gets a dedicated relationship manager as your primary contact for escalations, pricing, and ongoing payment consulting.
Single-Source Solution
One platform covering all payment touchpoints: in-person, online, ACH, recurring, and invoicing — no juggling multiple processors or vendors.
National Account Expertise
Proven track record with large merchants and national accounts across the U.S. and selected international markets. Built for scale from day one.
Data Center Redundancy
Enterprise-grade uptime with data center redundancy ensuring your payment processing is secure and uninterrupted around the clock.
Ready to Optimize Your Payment Processing?
Talk to our team about dual pricing, interchange plus, or a custom enterprise integration tailored to your business.
Request Strategic Briefing