Solution // 04 · Connectivity

Payments & Banking Integration

We connect ATMs, kiosks, and other transaction channels directly to core banking systems and payment networks — enabling secure, compliant, real-time processing. Supports major card schemes and messaging standards, so new channels go live faster.

The challenge and our approach

We sit in the middle: on one side the channels — ATM applications, transaction workflows, XFS devices; on the other core banking, payment gateways and third-party platforms.

The integration layer between them speaks the industry protocols (ISO 8583, xDC, nexo), exposes APIs, automates business workflows and carries secure messaging — vendor-neutral, so you are not tied to any single supplier.

  • Vendor-neutral — no lock-in to a single supplier.
  • Reuse what exists — new capabilities on top of current systems.
  • Faster go-live — one integration layer instead of point-to-point links.

What we deliver

04.1

Core banking integration

Accounts, balances and transactions available to every channel through stable interfaces.

04.2

Payment gateways

Connections to payment gateways and processing for card and non-card transactions.

04.3

ISO 8583, xDC & nexo

Industry protocols implemented and translated between devices, hosts and networks.

04.4

APIs & workflow automation

API development and automation of the business workflows around transactions.

04.5

Secure messaging

Protected message exchange between channels, hosts and partner systems.

04.6

Third-party platforms

Integration with vendors, service providers and partner platforms in your ecosystem.

Let's build the next layer of your banking technology.

Software Engineering, Systems Integration and AI for Financial Institutions.

ATM · Payments · Cash Operations · AI · Integration

Who We Are

KometaOne develops and integrates software solutions for banks and financial institutions. Our work extends existing banking infrastructure rather than replacing it — we add capabilities, connect systems and support long-term technology evolution.