We help clients deliver seamless digital payment journeys across all channels by improving checkout UX, enabling tokenized card storage, and embedding contextual finance via APIs. With expertise in platforms like Stripe, Way4, and Adyen, we support omnichannel commerce, recurring billing, marketplace payouts, and mobile-first strategies. These capabilities are vital across both B2C and emerging B2B2C business models.

Global payment schemes like Visa, Mastercard, and American Express are expanding their footprint beyond traditional consumer payments and becoming central to innovation in B2B. From virtual cards to real-time reconciliation and commercial payment rails, schemes are increasingly shaping how business payments evolve. DataArt helps clients integrate scheme APIs, manage compliance with mandate requirements, and unlock new B2B capabilities within their payment ecosystems.

While DataArt’s heritage lies in B2B technology solutions, we are seeing a strong shift toward B2B2C approaches across all financial sectors, including payments. Customers now expect the same level of speed, transparency, and personalization in business payments as they do in consumer experiences. We help clients reorient platforms and product strategies to meet these expectations, leveraging customer insights, data platforms, and embedded finance to bridge the gap between enterprise scale and user-centric design.

We build secure-by-design infrastructure with end-to-end encryption, SCA orchestration, and fraud prevention powered by real-time analytics and machine learning. Our work ensures compliance with PSD2, the upcoming PSD3, PCI DSS, and evolving AML/KYC requirements. From onboarding flows to multi-jurisdictional identity verification, we embed compliance into digital journeys — aligned with scheme mandates and audit requirements from Visa, Mastercard, and AMEX.

We enable real-time payments through ISO 20022 modernization, API-first design, and resilient microservices architectures. There's growing traction around domestic and scheme-led real-time rails like SEPA Instant, FedNow, Faster Payments and card-based push payments. DataArt ensures interoperability with legacy infrastructure and accelerates go-to-market for real-time capabilities.

Our machine learning solutions optimize fraud detection, smart routing, transaction scoring, and chargeback prevention. We design cloud-native ML pipelines with synthetic data generation, anomaly detection, and model governance, ensuring performance, interpretability, and compliance in regulated environments. These models are designed to plug into your day-to-day ops and drive real performance gains.

We reduce settlement times and transaction costs in international payments by integrating FX engines, smart routing logic, and blockchain-based partner networks. DataArt’s cross-border solutions include automated KYC/AML workflows, GDPR/CCPA-compliant data handling, and support for emerging corridors — helping clients offer scalable, transparent global payment services.

DataArt supports secure migration to cloud and hybrid infrastructures across AWS, Azure, and Google Cloud. Our engineers modernize monolithic payment systems, re-architect platforms for resilience and observability, and enable low-latency, high-compliance processing. We specialize in transforming bespoke payment engines into agile, cloud-native platforms aligned with DevOps and regulatory best practices.