Solution — 06
Fintech & Regulated Systems
Where money moves, the margin for error is zero.
- reconciliation accuracy target
- %99.99reconciliation accuracy target
- risk scoring response time
- <120msrisk scoring response time
Payments, wallets, lending and risk systems where auditability, reconciliation accuracy and regulatory compliance are first-class requirements — PCI DSS, PSD2 and local regulation designed into the architecture.
In short
What matters most when building a payment system?
In a payment system the most expensive fault is the invisible one: at the end of the day your ledger and the bank's report do not agree. Neuros prevents that with four decisions — a repeated request never moves money twice, money movement is held in a double-entry ledger, every transaction is stored so it can be replayed, and a reconciliation gap counts as a blocker rather than a warning. Card data never enters the system; it is represented by a token.
In financial systems a bug is not a log line — it is a reconciliation gap. Idempotent transaction design, a double-entry ledger, complete audit trails and event replay are our default, not an upgrade.
How it runs
- 01
Regulatory gap analysis
- 02
Ledger and idempotent transactions
- 03
Risk rules engine
- 04
Reconciliation and reporting
- 05
Security testing
- 06
Zero-downtime rollout
Capabilities
Where money moves, the margin for error is zero.
Payment & wallet infrastructure
Card acquiring, tokenisation, recurring billing, multi-currency wallets and a reconciliation engine.
Risk & fraud prevention
Real-time scoring, rules engine, device fingerprinting and AML/KYC flows.
Lending & scoring
Alternative-data credit scoring, decision engines and explainable model outputs.
Compliance & audit
PCI-DSS-aligned infrastructure, immutable logs, segregated environments and regular penetration testing.
Sources
- 01PCI DSS v4.0 — Ödeme kartı veri güvenliği standardıPCI Security Standards Council · 2022
- 02ISO 20022 — Finansal mesajlaşma standardıISO 20022 Registration Authority · 2022
- 03Ödeme Hizmetleri ve Elektronik Para İhracı MevzuatıTCMB · 2021
- 04Bankaların Bilgi Sistemleri ve Elektronik Bankacılık Hizmetleri Hakkında YönetmelikBDDK · 2020
Guides
- Buyer's guide
What SaaS is, and how to build one from Türkiye
What separates SaaS from software is not technology but serving many customers from one codebase. That difference has consequences in architecture, billing and contracts.
Read more - How-to guide
Who must register in the data controllers' registry? Decide with three tests
The obligation runs through three separate tests, and passing any one is enough. The thresholds change yearly, the logic does not — the logic is what this explains.
Read more - How-to guide
A data breach happened: what you must do within 72 hours
The clock starts when you learn of the breach, not when it happened. The order, who notifies, what goes in, and what happens if you are late.
Read more - How-to guide
Moving to e-invoicing: integrator or direct integration?
Calculating the obligation is your accountant's job; the real decision is technical — which method you connect with, and what that does to your software.
Read more
The first step is shrinking scope. If card data never enters your systems — the payment page is hosted by the provider and the card is represented by a token — the compliance burden drops sharply. Neuros designs the architecture to make that reduction, then maps the remaining scope to PCI DSS v4.0 requirements: network segmentation, encryption, access logging and regular penetration testing.
Reconciliation is a continuously running control, not an end-of-day report. Neuros compares three sources: your own ledger, the payment provider's transaction file and the bank statement. When a gap appears, the event stream is replayed by transaction id to show which step produced it. A gap above threshold blocks the release — it is not quietly reported and passed over.
An outage is a planned scenario. Neuros designs the payment flow so a transaction is never lost when the provider stops answering: the request is written to a durable queue, retried with an idempotency key, and if the state is uncertain the transaction is not auto-closed but sent to reconciliation. Critical paths have a defined failover to a second provider, rehearsed before production.
If you hold, transfer or issue funds in your own name, yes — those activities fall under the Central Bank of the Republic of Türkiye's payment services and e-money regulation. If you only collect payment for your own goods and services, using a licensed institution's infrastructure is usually enough. Neuros settles that distinction before designing the architecture, because the two require completely different systems.
A decision that cannot be explained is not used. In scoring systems Neuros records which inputs and weights produced each decision, and the reason shown to the customer is the decision rule itself, not a translation of the model's internals. Rejection reasons are drawn from a fixed set, and the decision is stored together with a snapshot of its inputs — so an appeal can reproduce the same decision.
Have a need in this area?
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