Turn Merchant Payments into a BFSI-Owned Revenue Engine.

Most financial institutions process payments. Few actually own the margins.

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

Powered by Ascertain.
For the financial institutions 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 BFSI-Owned Revenue Engine.

Most financial institutions process payments. Few actually own the margins.

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

Powered by Ascertain.

For the financial institutions of tomorrow.

Schedule a callSchedule a call
PayHub
QR
PayHub
SoftPOS
PayHub
Online
PayHub
Recurring
PayHub
Payouts
PayHub
Reconciliation
PayHub
Analytics

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

Own your payments operating system. Unlock a new revenue engine from within.

  • Onboard merchants more effectively

  • Accept QR, SoftPOS, online, recurring payments

  • Manage payouts, reconciliation, and analytics seamlessly

  • No more fragmented vendors.

  • No more leaving revenue on the table.

  • No more cost surprises.

The Challenge​​​​

The Hidden Cost of Not Owning Your Merchant Payments Stack

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: BFSI-Owned Merchant Payment Ecosystem

From dependency to ownership:

Ascertain empowers banks, payment institutions, digital banks, and broader BFSI organisations to operate 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 Banks and Financial Institutions of Tomorrow. Three Pillars That Deliver Revenue, Control & Growth

A Complete Merchant Payment Ecosystem, Owned by the Bank

ACQUIRE

Acquire & Accept Faster

Accelerate merchant onboarding and unlock revenue quickly.

  • eKYC / KYM / Digital onboarding

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

  • Smart collections & invoicing

Outcome: Faster merchant activation, quicker revenue realization.

OPERATE

Operate & Control at Scale

Run payments reliably and protect revenue.

  • Automated reconciliation & settlements

  • Bank operations console for risk, disputes, configurations

  • SoftPOS & POS management

Outcome: Lower operational risk. Controlled margins. Better governance.

GROW

Grow, Engage & Stay Secure

Scale intelligently and remain compliant.

  • Analytics & strategic insights

  • Notify360 communication layer

  • Payer self-service portals

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

Outcome: Sustainable growth with regulatory assurance.

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

FinSights

  • 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚𝐧 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐀𝐬𝐜𝐞𝐫𝐭𝐚𝐢𝐧 𝐆𝐫𝐨𝐮𝐩 𝐄𝐱𝐩𝐚𝐧𝐝𝐬 𝐢𝐧𝐭𝐨 𝐓𝐡𝐫𝐞𝐞 𝐍𝐞𝐰 𝐆𝐥𝐨𝐛𝐚𝐥
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Build a Bank-Owned Merchant Ecosystem

Own the stack. Own the margins.