Central bank & national payment gateway

Connecting payment providers globally

Central bank and national payment gateway

Real-time Payment Switching

Youtap offers a payment switch that integrates and switches between Card, eMoney, and Digital currencies for Banks, Governments, MNOs, and Fintechs. The switch provides cost-effective transaction routing between banks, eMoney issuers, and payment processors. Youtap’s secure platform ensures real-time settlement and compliance with country regulations through a single interface for issuers, processors, and the central bank.

Connecting Banks, Payment Processors and Fintechs, with the Central Bank.

Connect POS terminals, ATMs and integrate eMoney, Digital Currencies, and Cards. Least cost route transactions to optimize volume and profitability. Provide rich APIs to third-party payment processors enabling eCommerce and traditional payments to be processed and settled in real-time.

Our National Payment Gateway solution is deployed as a cloud solution. The solution is deployed as a single cloud instance. Youtap works with Google, AWS, and Azure, amongst other cloud providers.  One platform is deployed with multiple applications designed for Central Banks and Large National and International Payment Processors.

The platform also supports a variety of value added services and digital banking applications and modules.

Youtap’s real-time processing switch provides real-time transaction processing with optimised routing and high transaction throughput.  The solution supports a minimum of 2000 transactions per second (TPS) and has been benchmarked to 8000 TPS.

Well documented APIs are provided to integrate with third party ATM, POS gateway and Payment Processing switches.  The solution provides ready to use adapters for ISO 8583 and ISO 20022 and supports web services, HTTPS and customisable APIs.

The solution can be deployed in a private cloud or public cloud configuration.  The solution can be horizontally and vertically scaled and makes use of Kubernetes to quickly scale the processing capability of the platform to support peak transaction loads.  Based on customer requirements the solution offers up to 99.999% service uptime.


The solution provides configurable routing based on routing tables, this allows operators to route transactions based on destination, origination, time, date and a range of configurable options.

Through the administration portal the operator can configure all fees and charges, these can be configured to support specific issuers and acquirers, card holder fees, ATM surcharges, bill payment fees and origination and destination fees.  Flat rate and percentage based fees are also supported along with start date and end dates.

The platform supports a variety of value-added services and digital banking applications and modules.

Enable enterprises and NGOs to distribute subsidies and salaries direct to e-money wallets. Reduce misuse of funds by cultivating a network of approved merchants and sellers and limits on end-user accounts.

Our processing solution supports person-to-person transfers and domestic and international remittances for both the sending and receiving of funds, including integration to international remittance rails for traditional and wallet-to-wallet remittances.

The solution supports multiple currencies (with SPOT rate lookups), multiple interconnects and optimised routing of all currency types.

Youtap’s Integrated card processing, issuing, and management enable your bank to issue MasterCard and Visa companion cards, manage and reconcile these cards.

We have integrated card management for issuing and processing card transactions. The card management platform enables card number ranges and card management, including the secure interface to card printers and the reconciliation of card transactions. The card processing module allows the bank to process debit, credit, and stored-value card transactions.

The platform supports payment processing for eMoney issuers, Digital currency providers and Cryptocurrency exchanges enabling optimised routing of transactions through a variety of traditional and digital currency providers and exchanges.

Youtap provides skinnable web portals enabling users to view their accounts, transfer funds between accounts or other users, pay bills, and apply for financial services such as loans and savings accounts.

Youtap’s customer management system and administrator management systems enable you to customize and manage your offering and services, including reporting on all aspects of the service.

Our Solutions

White-label consumer and merchant digital wallet applications that enable you to focus on your go to market.

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