Technology layer for payments

Smart technology behind every transaction

Arcumtech is a technological service provider delivering a tailor-made processing and orchestration platform for businesses — system integration and AI-driven routing that optimize processing across multiple payment service providers.

Talk to our team See how the platform works
Platform

One platform. Built around your business

Arcumtech provides the technological layer a business needs to process payments — cards, local payment methods and alternative payment methods, tuned to each market's needs and consumer landscape. The platform integrates the specific providers a merchant needs — acquirers, PSPs, local and alternative payment methods — into one system, and orchestrates how each transaction is routed between them.

Merchants, marketplaces, e-commerce platforms and fintechs that want to accept these payment methods usually face a choice: build the full technology stack internally at real cost and time, or become licensed as a payment institution and take on the regulatory weight of holding and moving customer funds directly. Arcumtech exists to remove that trade-off — the technology, without the custody.

Coverage

Coverage

Card Processing

Connectivity and processing for credit and debit card transactions through major international networks.

Coverage

Local Payment Methods

Integrations built around the regulatory and consumer-behaviour particularities of each market you operate in.

Coverage

Alternative Payment Methods

Digital wallets, instant bank transfers, cryptocurrencies and other emerging methods, added as market demand evolves.

Configuration

Tailor-Made Stack

API integration, custom authorization flows, risk and fraud management, multi-provider orchestration, and reporting & reconciliation — shaped around your requirements, not a fixed template.

Integration

One integration, every provider you need

One API for multiple providers. Authorization, reconciliation and reporting handled end-to-end. Built to fit existing flows, not a fixed template.

Built on clustered, high-availability infrastructure designed for uptime and scale — the operational foundation behind every integration.

Infrastructure

  • NGINX
  • Kubernetes Cluster
  • DB Cluster Percona / Percona replication
  • Manager / ProxySQL
  • RabbitMQ Cluster
  • PMM / Prometheus
  • GlusterFS

Software Kit

  • Postman / PHPUnit / Behat
  • Mercure
  • PHP
  • Redis / RabbitMQ
  • VueJS / TypeScript
  • Symfony
AI Routing

AI that routes every transaction to succeed

Inside the orchestration layer, purpose-built AI blocks continuously analyze transaction outcomes, provider performance, cost and acceptance rates. Instead of relying on static, manually written routing rules, the platform routes each transaction dynamically, through the path most likely to succeed at that specific moment.

The same intelligence layer supports fraud and risk scoring, adapting as providers, markets and traffic patterns change over time. As new providers are added or existing ones shift in performance, the routing logic adjusts on its own — without requiring a client's team to rewrite rules manually.

Payment
VISA
4574 8874 1424 15••
S. Riano08/28
3534 6734 1424 1234
S. Riano01/28
Card transaction
Routing conditions
Account Funding Type
Amount
BIN
Currency
Order Country
Other Routing Conditions
Provider
PSP 1
PSP 2
PSP 3
Another Provider
Positioning

A technology enabler — not an acquirer or PSP

Unlike acquirers, traditional processors or payment service providers that directly manage client money, Arcumtech's role is strictly limited to developing, maintaining and operating the technology stack.

Arcumtech Is

  • ✓ A technological service provider for the payments ecosystem
  • ✓ Developer and operator of a fully customizable orchestration platform
  • ✓ Builder of AI blocks for routing and processing optimization
  • ✓ Focused on system integration, connectivity, risk logic and reporting
  • ✓ Structurally asset-light — technology and software only

Arcumtech Is Not

  • – An acquirer, payment processor, or payment service provider
  • – A custodian of merchant or end-customer funds
  • – A party to settlement or fund movement
  • – A licensed financial or payment institution
Footprint

Our numbers

Our experience and reach at a glance.

Years of experience
10+
Performed Integrations
50+
Active Merchants
30
Partner Regions
EU · UK · CIS · UAE
Questions

Before you reach out

Does Arcumtech ever hold our funds? +

No. At no point in the transaction flow does Arcumtech take custody of merchant or customer funds. Settlement and custody remain with your regulated banking and acquiring partners.

Is Arcumtech a payment institution, PSP, or acquirer? +

No. Arcumtech is a technology and software provider. We build and operate the technical stack; regulated third parties handle the movement of money.

Can the platform be adapted to our existing flows? +

Yes. The stack is built around each client's specific requirements — API integration, authorization logic, risk rules, provider orchestration and reporting are configurable rather than fixed.

How does the AI routing work? +

The orchestration layer continuously analyzes transaction outcomes, provider performance, cost and acceptance rates against conditions like amount, currency, BIN, funding type and order country, then routes each transaction dynamically to the provider path most likely to succeed — adjusting on its own as providers and markets change.

Which markets and payment methods do you support? +

Cards via major international networks, local payment methods suited to each region's regulatory and consumer landscape, and alternative payment methods such as wallets, instant transfers and emerging rails. Current client coverage spans the EU, UK, Georgia and Azerbaijan.

How is pricing structured? +

Subscription fees, technology licensing, per-transaction infrastructure fees, or a hybrid — depending on scope. None of these relate to financial intermediation or fund handling.

Contact

Let's talk about your technology needs.

Reach out directly, or send us the details of your project below.

General info@arcum.tech
Registered Office Tuukri tn 19-202, 10120 Tallinn, Harju County, Estonia
VAT Number EE103017495

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Ready when you are

Let's build your payment stack

One platform, integrated with the providers you need, orchestrating every transaction. Talk to us about cards, local payment methods, alternative payment methods, or a fully tailored integration.

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