Reimagine Transactions
Rewire Banking.
Every interaction is an opportunity.
Deploy embedded banking and real-time payments infrastructure to maximize growth.
The real transaction
is emotional
Payments Engine
High-performance processing
at enterprise scale
Aligned to modern digital payments paradigms
Componentized Micro-services, ready to leverage native cloud services, readily consumable secure, public APIs.
Massive scalability
& rapid feature integration
KPLEX components ‘walk the talk’ on being modern, scalable and flexible. We embrace technologies that drive some of the largest platforms globally.
Proven performance and throughput
Live sites processing 350 Million monthly transactions (95% below 500 ms); sustained processing upwards of 700 tps.
Supports highest
availability and reliability
Run on cloud service providers, private cloud environments or bare metal without compromising on availability or performance. Supports the highest availability mechanisms.
BaaS ENGINE
Cloud-native tech with
enterprise grade security
The engine behind connected finance
Jumpstart BaaS, embedded finance, and open banking, faster with a cloud-native platform, built for seamless onboarding, rapid integrations, and evolving compliance, powered by enterprise-grade security and scale.
Built for every
layer of growth
From partner onboarding and entitlements to policy-driven workflows and flexible integrations, the platform streamlines operations with pre-integrated loyalty, ledger, pricing, and analytics add-ons, delivering low-latency performance at enterprise scale.
Enterprise security,
engineered.
Designed for trust at scale, the platform brings together intelligent access controls, encryption, tokenization, and real-time security oversight to safeguard every interaction, transaction, and workflow across the ecosystem.
Compose,
Package, Scale
Tailor-made banking and payments experiences by combining core capabilities with advanced features, multi-product bundles, and integration-ready templates that accelerate deployment and expansion.
overlays
Solving modern
payment challenges
Precision at
Ledger Scale
Double-entry, real-time immutable accounting ledger with atomic accounting. Sub-ledger & multi-currency support. Posting Buffer with durable queues and programmable posting rules, high-throughput & consistent with complete auditability.
Merchant
Operations, Unified
Streamline merchant onboarding, KYC workflows, payouts, settlements, and access controls while managing secure Soundbox devices with remote diagnostics, offline QR-UPI-EMV capture, and encrypted key provisioning.
Enterprise-grade
components for
standalone use
A real-time, programmable controls engine that enforces granular limits and risk policies across wallets / accounts, users and channels. It combines velocity and spend limits, conditional rules, risk scoring and automated actions.
Workflows with Accountability
Automate complex business processes with configurable approvals, maker-checker controls, conditional routing, SLAs, escalations, and complete audit trails across onboarding, payouts, disputes, and ledger operations.
Vaulted for Trust
Protect sensitive data with enterprise-grade encryption, tokenization, and key management for card details, bank accounts, crypto keys, and application secrets—ensuring secure access, PCI-aligned operations, and complete auditability.
Unified Collection
Infrastructure
Unified QR & mandate solution for one-time and recurring collections. Generates secure static or dynamic QR codes for invoicing, merchant checkout and payment links, and manages end-to-end mandate lifecycles with native support for UPI SI and common ACH/e-mandate rails.
Intelligent Financial
Message Routing
Validate, transform, and route financial messages seamlessly across banks, PSPs, switches, and clearing networks with ISO8583/ISO20022 translation, rule validation, reversal handling, and reliable idempotent delivery.
Closing the loop on
every transaction
An automated settlement engine and reconciliation toolkit that closes the cash lifecycle with precision and auditability. Built on the KPLEX Ledger, it handles configurable settlement runs, netting and GL posting while automating statement matching, exception management and operational reporting.
Billions of transactions happen every day
How many are yours?
Built for the complexity
fintechs live with.
The embedded banking layer that puts your institution inside every transaction your customer makes. Wherever they happen.
Enterprise-grade, modular payments switches for high-volume, low-latency real-time payments. Built on the modern KPLEX payments engine, they support routing, authorization, clearing/settlement, ISO 20022 messaging, and integrations with existing ledgers and rails including UPI, IMPS, AEPS, and RTGS. Designed for rapid deployment, observability, and scale.
Modular, enterprise-grade digital wallet solution for large-scale, compliant deployments. It supports multi-currency wallets, tokenized instrument linkage, primary and sub-wallet structures, real-time authorization, velocity controls, top-ups, recurring mandates, and UPI/PPI integration, with full accounting support and easy integration into existing ledgers and reporting systems.
A real-time pricing, fees, and commissions engine with configurable, rules-based charge calculation, commission routing, and settlement. Enables sophisticated pricing models, flexible policy changes, and seamless integration with payment transaction flows.
A centralized identity and access management solution providing user management, authentication, single sign-on, role-based access control, multi-factor authentication, token issuance, audit logging, and OAuth2, OIDC, and SAML integration.
Scale without
rebuilding everything.
Be where they transact.
Read the signals in every transaction.
Build a relationship that compounds.
consulting
You can bank on us.
Our consulting practice combines proven payments and banking expertise with hands-on delivery capability, supporting every stage from architecture review to end-to-end implementation.
Making a difference
Real-time payments transformation
The bank dramatically expanded real-time payments scale, introduced cutting-edge feature support and reduced processing costs.
Hollow the Core
Karplexus rolled out a component-based architecture, evolving from a monolithic processing engine to a robust system of modular components that complemented their core.
Building a future-ready digital bank
Karplexus was engaged as a strategic advisory and assurance partner responsible for helping guide the transformation from planning through go-live and post-transition stabilization.
Trusted by
Change-Makers
Karplexus was not simply a consulting partner — they were instrumental in shaping our business from the ground up. From product thinking and architecture to scalability and regional adaptability, their guidance helped us build a modern financial platform capable of serving diverse markets across the Gulf.
Founder & CEO
Our UPI transformation fundamentally changed how customers experience our bank. Karplexus enabled us with a high-performance, highly resilient in-house UPI switch that today processes volumes at national scale with exceptional reliability and near-zero technical friction.
Business Leadership
Large-scale banking transformations succeed only when technology, operations, and business realities are aligned. Karplexus understood all three. Over a 30-month journey, they helped us navigate an extraordinarily complex core transformation with precision, insight, and accountability.
CIO
