A B2B SaaS platform for processing cards, local payment methods and alternative payment methods — a fully customizable technology stack that plugs into your business without ever touching merchant funds.
Funds move directly between regulated financial institutions. Arcumtech OÜ's infrastructure carries the data, never the money.
Merchants, marketplaces, e-commerce platforms and fintechs that want to accept cards, local payment methods and alternative payment methods face a choice: build the full technology stack internally — API integrations, authorization flows, fraud and risk logic, provider orchestration, reconciliation — 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.
Both paths pull focus and resources away from the actual product. Arcumtech OÜ exists to remove that trade-off.
Arcumtech OÜ provides the full technical layer a merchant or digital platform needs for payment processing — connected to major card networks, tuned to local markets, and shaped around your specific integration requirements.
Connectivity and processing for credit and debit card transactions through major international networks.
Integrations built around the regulatory and consumer-behaviour particularities of each market you operate in.
Digital wallets, instant bank transfers, cryptocurrencies and other emerging methods, added as market demand evolves.
API integration, custom authorization flows, risk and fraud management, multi-provider orchestration, and reporting & reconciliation — shaped around your requirements, not a fixed template.
Arcumtech OÜ operates under a pure B2B SaaS model. We generate revenue through subscription fees, technology licensing, per-transaction infrastructure fees, or a hybrid of these — never through financial intermediation.
Custody and settlement always stay with regulated third parties: banks, acquirers, and licensed financial institutions. That keeps our regulatory footprint light, lets us expand into new markets faster, and keeps our engineering effort pointed at the technology rather than fund custody and financial risk management.
Unlike acquirers, traditional processors or payment service providers that directly manage client money, Arcumtech OÜ's role is strictly limited to developing, maintaining and operating the technology stack.
Client and partner presence across the following regions.
No. At no point in the transaction flow does Arcumtech OÜ take custody of merchant or customer funds. Settlement and custody remain with your regulated banking and acquiring partners.
No. Arcumtech OÜ is a technology and software provider. We build and operate the technical stack; regulated third parties handle the movement of money.
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.
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.
Subscription fees, technology licensing, per-transaction infrastructure fees, or a hybrid — depending on scope. None of these relate to financial intermediation or fund handling.
Reach out directly, or send us the details of your project below.
Talk to us about cards, local payment methods, alternative payment methods, or a fully tailored integration.
Email info@arcum.tech