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
Supports highest
availability and reliability
Run on Cloud service providers, Private cloud environments or Bare metal without compromising on availability or performance. Support the highest availability mechanisms.
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 100 Million monthly transactions (95% below 500 ms); Sustained processing upwards of 500 tps.
Aligned to modern digital payments paradigms
Componentized Micro-services, ready to leverage native cloud services, readily consumable secure, public APIs.
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 integrated loyalty, ledger, pricing, and analytics, 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 were made today.
How many were yours?
Built for the complexity
fin-techs live with.
The embedded banking layer that puts your institution inside every transaction your customer makes. Wherever they happen.
real-time payments
Powering Real-Time UPI
at Scale
KPLEX UPI enables issuers and acquirers to process real-time payments with speed, reliability, and regulatory compliance, supporting seamless transaction experiences across India’s digital payments ecosystem.
ultra-scalable
Instant transfers,
reliably delivered
by enabling secure, scalable, real-time bank transfers aligned with NPCI standards, delivering fast and reliable money movement across banking networks.
reliable access
Banking access
beyond boundaries
KPLEX AEPS enables secure, device-agnostic transactions for deposits, withdrawals, bill payments, and loan disbursements, delivering reliable banking access across large-scale distributed networks.
operational efficiency
Powering critical money movement
KPLEX RTGS and NEFT capabilities enable banks to process high-value and interbank transactions with speed, reliability, and operational efficiency across real-time payment networks.
real-time controls
Supports primary & sub-wallets with purpose based fund isolation
with tokenized instrument linkage, real-time controls and routing, recurring payments and UPI mandates, along with escrow holds, split receipts, and programmable fund flows.
seamless integration
Connected for
modern payments
Integrate seamlessly across cards, UPI/PPI, ACH, and payment gateways with out-of-the-box connectors, configurable settlement and reconciliation workflows, and API-first event-driven integrations.
flexible controls
Customer operations, simplified
Streamline customer onboarding, management, pricing, and dispute resolution with flexible process definitions, policy controls, fine-grained pricing plans, and integrated case management workflows.
hybrid deployment
Integration without friction
Accelerate deployment with API-first REST/gRPC integrations, sandbox environments, prebuilt adapters, and flexible cloud, on-prem, or hybrid deployment options, supported by enterprise-grade monitoring, observability, and SRE tooling.
secure & compliant
Governance
you can trust
Enable secure, compliant operations with fine-grained policy controls for limits, KYC, and conditional workflows, backed by enterprise tokenization, encryption, KMS/HSM support, and tamper-proof auditability.
complete automation
Accounting at
transaction speed
Enable real-time double-entry accounting with atomic postings, multi-currency ledgers, programmable accounting flows, automated reconciliation, and a low-latency engine ready for high-volume financial operations.
scalable monetization
Monetization with Agility
Manage fees, rebates, and partner commissions in real time through a centralized pricing engine that integrates seamlessly with ledgers, switches, core systems, and instant payment rails, enabling scalable monetization and dynamic pricing changes without code.
centralized management
Real-Time Revenue Intelligence
Centralize real-time fee management with flexible pricing rules, commission splits, discounts, cashback policies, transparent reporting, and scalable reconciliation across every transaction channel.
flexible structures
Commission Management, Reimagined
Manage agent, merchant, and partner commissions with flexible rule-based structures, automated payouts, transparent reporting, seamless banking integrations, and configurable workflows aligned with compliance and business requirements.
authentication
Identity, Secured at Scale
A high-performance cloud-native authentication and SSO engine that enables zero-trust access with multi-factor, rule-driven logins, token-based sessions, and industry-standard SSO. It secures high-volume enterprise environments while delivering seamless user access across platforms with low-latency performance.
authorization
Fine-Grained Access,
Fully Controlled
A scalable entitlements engine that enforces role-aware, context-driven access across every user action and API call. With RBAC, maker-checker controls, and built-in auditability, it enables secure approvals, hierarchical visibility, and compliance-ready access governance at scale.
Scale without
rebuilding everything.
Be where they spend.
Read the signals in every transaction.
Build a relationship that compounds.
Payments infrastructure shouldn’t^ feel outdated. We help banks and fin-techs move on from systems held together by hope and habit and build platforms for the way money actually moves today.
consulting
You can bank on us.
Our consulting practice brings 20+ years of payments and banking domain expertise to every engagement, from architecture review to end-to-end implementation.
Making a difference
Real-time payments transformation through in-sourcing of UPI
A regional retail bank watched transaction volume grow across the market — none of it flowing through their infrastructure.
Core banking modernization through a “Hollow the Core”
Karplexus modernized banking operations through a phased, component-based architecture, evolving from a processing engine to a robust system of record alongside the CBS.
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.
Platform consulting for a Prominent Fin-tech in the MEA
One of the Prominent Fintechs in the Middle East is engaging Karplexus to help them architect and redesign their platform.
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
