Turn merchant payments

into a bank-owned

revenue engine.

Most banks process payments.

Few actually own the margins.

Ascertain’s PayHub gives banks full control of the merchant payments business platform, data, pricing power, and revenue streams.

Powered by Ascertain.
For the banks of tomorrow.

Speak to Our Payments TeamSpeak to Our Payments Team
PayHub
QR
PayHub
SoftPOS
PayHub
Online
PayHub
Recurring
PayHub
Payouts
PayHub
Reconciliation
PayHub
Analytics

Turn merchant payments into a bank-owned revenue engine.

Most banks process payments. Few actually own the margins.

Ascertain’s PayHub gives banks full control of the merchant payments business platform, data, pricing power, and revenue streams.

Powered by Ascertain.

For the banks of tomorrow.

Speak to Our Payments TeamSpeak to Our Payments Team
PayHub
QR
PayHub
SoftPOS
PayHub
Online
PayHub
Recurring
PayHub
Payouts
PayHub
Reconciliation
PayHub
Analytics

Bank-owned. Fully white-label. Engineered to scale.

Own your payments operating system, unlock a new revenue stream from within.

  • Onboard merchants more effectively.

  • Accept QR, SoftPOS, online, recurring payments.

  • Manage payouts, reconciliation, analytics.

  • No more third-party processor dependencies

  • No more fragmented merchant journeys

  • No more losing revenue on the table

The Challenge​​​​

The Hidden Cost of Not Owning Your Own Payments System

Fragmented merchant systems increase external dependency, cost and complexity

Revenue from merchant payments goes to third-party processors

Merchant expectations are evolving: instant onboarding, self-service, seamless checkout

Regulatory scrutiny demands control and transparency

The banks of tomorrow cannot rely on third-party processors anymore; merchant payments are too valuable to outsource.

The Solution

Ascertain’s PayHub: Bank-Owned Merchant Payment Ecosystem

From dependency to ownership:

Ascertain empowers banks to run a complete merchant payments business under their own brand.

  • Launch fully branded merchant experiences

  • Support all merchant types: retail, SME, enterprise, micro-merchants, marketplaces

  • Scale all payment channels—QR, SoftPOS, POS terminals, online checkout

  • Automate reconciliation, payouts, billing, and compliance

  • Offer self-service portals for merchants

Schedule a callSchedule a call

Dependency

Ownership

Core Capabilities

Built for the Banks of Tomorrow: Three Pillars That Deliver Revenue, Control, and Growth

A Complete Merchant Payment Ecosystem, Owned by the Bank

Acquire & Accept Faster

Faster onboarding. Faster revenue.

  • eKYC / KYM / Digital onboarding

  • Payment gateway & collections (QR, cards, wallets, online)

  • Smart collections & invoicing

Operate & Control at Scale

Run payments reliably and protect revenue.

  • Automated reconciliation & settlements

  • Bank operations console for risk, disputes, configurations

  • SoftPOS & POS management

Grow, Engage & Stay Secure

Scale intelligently and stay compliant.

  • Analytics & insights, Notify360

  • Payer self-service portals

  • Security & compliance (PCI DSS, MFA, encryption)

Outcome: Faster revenue, lower operational risk, full control over margins.

Proven Impact

The ‘Ascertain’ Advantage: Global Significance, Proven Across Banking Partners

80%

Reduction in collection time

95%

Reduction in manual payment handling

70%

Faster merchant onboarding

T+1

Settlements implemented

100%

Uptime achieved

With insider expertise in BFSI and payments, we help banks tackle technology, operations, and scalability challenges seamlessly.

Fintech Expertise. Banking DNA.

  • Trusted by banks and regulated institutions globally

  • Headquartered in Malaysia; presence in ASEAN, MENA, GCC, Singapore

  • Bootstrapped, homegrown, proven technology

18+

Years of fintech & banking expertise

12+

Countries across ASEAN, MENA & beyond

200+

Trusted clients globally

Build a Bank-Owned Merchant Ecosystem

Own the stack. Own the margins.