Every rail. Every partner. Every revenue stream. One System.
Payments NGnair is the Payments Operating System for ISOs. Provides a managed solution for onboarding, underwriting, POS procurement, embedded payments, disbursement payouts, residuals and reporting from a single, infrastructure layer. With our tech-only approach, your needs are managed end-to-end while you scale your portfolio and maintain ownership of the MID.
Replace Fragmented Systems with a Single Payments Operating Layer
The Payments OS consolidates the full merchant lifecycle into one infrastructure stack: onboarding and KYC/KYB, AI-driven underwriting, multi-rail payments, disputes, commissions, and device integrations. Designed for ISOs, banks, and software platforms, it operates processor agnostic and ISO-first so you control the relationships, the routing, and the economics.
End-to-end lifecycle
Onboarding → Payments → Disputes → Commissions, all in one system.
AI underwriting
Configurable decisioning powered by modular risk logic and integrated AML insights.
Processor-agnostic with failover
Seamlessly route transactions across processors to maximize approvals and protect revenue.
Instant Bank Payments
Offer bank-to-bank payment options through RTP and FedNow to open new revenue streams.
Device Lifecycle Management
Coordinate POS procurement, activation, monitoring, and reporting across certified partners without proprietary hardware.
Global infrastructure
North America, EU, Pacific Asia operations and support.
Core Payments Infrastructure, Unified
A complete operating stack to run your payment business from first application through settlement and support without stitching together multiple vendors. The Payments OS provides the foundation so your team can focus on growth, not system overhead.
Merchant Onboarding & KYC/KYB
Automated forms, document capture, checks, and workflows for faster merchant approvals.
AI Underwriting Engine
Instant decisions with configurable rules and ML signals per processor program.
Device & POS Integrations
Integrate with certified POS and device partner.
Transaction Lifecycle & Reporting
From authorization to deposit searchable, exportable, auditable transaction data.
Multi‑Agent Pay Splits
Assign multiple agents to merchants with transparent splits and commissions.
Open Banking Integration
Instant bank account verification and linking to reduce fraud and friction.
Built for Payment Operators
The Payments OS is engineered by payments teams for payments teams. We provide resilient, standards-driven infrastructure that integrates cleanly into your existing businesss, supports multi-processor strategies, and keeps you independent of any single rail or vendor.
Join NGnair’s Partner Network Today
One system. Every rail. Every partner. Every revenue stream. Payments NGnair provides processor-agnostic, ISO-first infrastructure that replaces fragmented legacy stacks with a single, resilient foundation.