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Leverage Yethi's Financial Cloud for Retail Payments Transformation
Launch modern retail payment services faster with zero infrastructure setup burden. Yethi Financial Cloud offers a comprehensive Payment Marketplace-as-a-Service (PMaaS*) that enables banks and financial institutions to subscribe, onboard, and operate complete retail payment solutions without infrastructure setup burden, deployment complexities, or maintenance overhead.
A Unified Retail Payments Marketplace Ecosystem
One managed cloud. Every retail payment capability. No infrastructure burden.
Banks can access and operate modern retail payment capabilities through a single, managed cloud with pre-integrated payment rails and partners. This removes infrastructure investments, integration delays, and regulatory complexities.
Your path to seamless payments
Three steps to live payments.
Delivered through a subscription-based financial cloud, Yethi's PMaaS connects banks, merchants, fintechs, and payment partners into a unified ecosystem.
Onboard
Rapidly deploy through our managed cloud infrastructure without software installation or configuration.
Operate
Focus on your customers while Yethi manages performance, compliance, and maintenance end-to-end.
Payment Solutions Portfolio
Eight ready-to-use, regulatory-compliant payment platforms.
Offering ready-to-use, regulatory-compliant payment platforms that accelerate innovation, reduce operational costs, and scale effortlessly.
Merchant Management
Comprehensive lifecycle management for merchant operations including onboarding with KYC, fee configuration, automated billing and settlement, interchange clearing, reconciliation, and dispute handling. Includes dedicated bank and merchant portals with real-time dashboards and analytics.
NPSS Overlay Real-Time Payments
UAE-compliant, real-time payment infrastructure supporting QR payments (static and dynamic), Request-to-Pay, and e-commerce checkout. Includes POS and mobile SDKs, reversals and refund APIs, and integrated support for the Aani Pay payment gateway powered by FSS Blaze.
Jaywan** Card Payments
Full-service Jaywan card payment solution for debit and credit issuing and acquiring. EMV, contactless, and digital wallet-ready, with seamless integration to card management and switching systems — covering authorization, clearing, settlement, disputes, and fraud management.
Payment Marketplace & Biller Aggregation
A centralized retail payments marketplace connecting banks to multiple billers across utilities, telecom, and government services. Includes standard APIs for quick integration, real-time reconciliation, and scalable onboarding of new billers.
Buy Now Pay Later (BNPL)
Flexible BNPL orchestration module with configurable credit limits, tenures, and repayment options. Includes real-time risk assessment, automated merchant settlement, and integration with e-commerce, POS, and mobile banking platforms.
Central Bank Digital Currency (CBDC) Payments
Future-ready CBDC enablement layer supporting wallet creation, issuance, and transaction processing for peer-to-peer, merchant, and cross-border use cases. Integrated with the R3 Digital Currency Platform and compliant with AML/CFT frameworks.
Recurring Payments (EDDA*)
Automated Electronic Direct Debit (EDDA) module enabling recurring payment setup, approval, and execution through NPSS rails. Ensures seamless mandate registration, billing automation, and compliance with UAE payment mandates.
Multicurrency Prepaid Cards
Multi-currency wallet and prepaid platform supporting real-time FX conversion and transparent rate management. Integrated with mobile wallets and equipped with full KYC, AML, and program management capabilities.
Why Yethi Financial Cloud?
Six advantages that make PMaaS the faster path to payments.
Rapid Deployment
Go live in weeks instead of months with our pre-built, tested payment infrastructure.
Zero Infrastructure Burden
The entire infrastructure is hosted and managed by Yethi, scaling seamlessly as your business grows — no servers, no DevOps, no maintenance.
Regulatory Readiness
Built-in compliance features to meet regulatory requirements.
Modular & Scalable
Subscribe only to the payment modules you need today, scale as you grow tomorrow.
Expert Operations Support
Continuous monitoring, security updates, performance optimization, and maintenance handled by Yethi.
Cost Efficiency
Predictable, OPEX-based subscription pricing with no hidden costs.
Ideal For
PMaaS is designed for institutions ready to operate modern payments at pace.
Banks launching new digital payment services
Go live on modern payment rails without building or procuring core payment infrastructure from scratch.
Financial institutions expanding payment capabilities
Add new payment modules incrementally without disrupting existing systems or acquiring new vendors.
Neobanks and digital-first financial services
Launch with a complete, production-grade payments stack from day one, with no legacy overhead.
Payment Service Providers (PSPs) seeking rapid market entry
Access pre-built, scheme-compliant payment infrastructure that compresses the typical PSP launch timeline.
Regional and community banks modernizing payment infrastructure
Replace aging, fragmented payment systems with a unified, managed cloud platform covering the full retail payment spectrum.
* PMaaS — Payment Marketplace-as-a-Service |
* EDDA — Electronic Direct Debit Authorisation |
** Jaywan is the UAE's national domestic card scheme |
NPSS — National Payment Systems Strategy (UAE)
Ready to transform your retail payments with Yethi Financial Cloud?
Get started with PMaaS — subscribe to the modules your institution needs and go live in weeks.