Forklift fear kills roadmap
Card and POS programmes stall because every vendor pitch implies touching the core or rewriting settlement books.
01 · Banks & FIsModernise rails.
Modernise rails.
Keep the core.
Layer Flagship beside core banking for card acceptance, ISO switching, terminal estates, fraud controls, and settlement ops — we do not replace your general ledger.
Built forRetail and commercial banks, and regulated financial institutions modernising card, POS, and switch rails without a core-banking rewrite
Fit model
Beside the core — not a GL replacement
Stack focus
Gateway · Switch · Fraud · Settle
Control model
Maker-checker on rules, batches, overrides
What this segment is solving
Framed for Retail and commercial banks, and regulated financial institutions modernising card, POS, and switch rails without a core-banking rewrite — not generic payments pain.
Switch and TMS are fragmented
Authorisation, terminal parameter download, and merchant acquiring live in separate ops queues with weak audit linkage.
Risk decisions lack defendable trails
Fraud overrides and rule changes need actor, reason, and dual control — not a black-box score with no operator path.
Flagship modules for this segment
Each module maps to a concrete job — adopt only what the programme needs.
Gateway
Enterprise card acceptance with acquirer profiles and MPGS-class flows — PAN stays on the certified path.
Switch
ISO 8583 / terminal switching and TMS-oriented controls for POS estates without forklifting the core.
Fraud
Rule and case workflows with maker-checker and audit — assisted suggestions only promote after human approval.
Settle
Merchant and programme settlement calendars, fee batches, and exports finance can reconcile to the GL.
Orchestrator
Optional multi-channel merchant portal when the bank also runs PSP-style acceptance for merchant programmes.
Wallet
Optional ledgered wallet and prepaid programmes when product wants closed-loop or super-app balances.
How it works
- Scope beside the core
Map card, switch, fraud, and settlement surfaces — leave GL ownership with the bank.
- Stand up gateway + switch
Acquirer profiles, terminal estate, and authorisation paths in sandbox.
- Wire fraud + dual control
Rules, cases, and maker-checker on overrides with audit reason codes.
- Close the books path
Settlement calendars and fee batches export to finance reconciliation.
- Promote with checklist
UAT, dual-control production policies, go-live with ops runbooks.
Core capabilities
Each capability names a concrete mechanism — not a marketing adjective.
Core-adjacent deployment
Flagship owns payment rails and operator workflows; your core remains system of record for deposits and the GL.
Card acceptance path
Gateway profiles for acquirer and scheme connectivity with enterprise controls — not a consumer checkout toy.
Switch + terminal ops
Authorisation switching and TMS-oriented parameter flows for POS estates under one operator model.
Governed fraud operations
Rules and case queues with dual control on sensitive changes; AI may suggest, humans approve.
Settlement for finance
Programme calendars, fee batches, and export formats ops and finance can defend in audit.
Modular adoption
Start with gateway or switch alone; add fraud, settle, orchestrator, or wallet when the programme needs them.
Where this sits vs alternatives
We specialise in payment rails and operator governance — not a full CBS replacement or another GL.
Modular gateway, switch, fraud, and settlement so you adopt what the programme needs without buying an unrelated suite.
Fraud is built for operators who must explain decisions — assisted suggestions never auto-promote production policy.
Integration experience
Typical bank programmes connect Flagship APIs and console ops to existing core, card scheme, and finance export paths. Credentials and sandbox are issued during onboarding.
MPGS / card acquiringISO 8583 switchTMS / POS estateFinance settlement exportsCore banking (adjacent)
Typical path
- Week 0–2Tenant, sandbox keys, and programme scope in the first working week
- Week 2–6Gateway/switch pilot path + fraud dual-control dry run
- Week 6+Settlement UAT, production checklist, and ops handover
Request sandbox from contact (intent=sandbox, industry=banks-and-fis). Credentials are issued during sales-assisted onboarding.
Security and compliance
Controls you can operate — RBAC, dual control, and audit trails.
Maker-checker
Rules, batches, and financial overrides can require dual control before activation.
Audit trail
Operator actions retain actor, timestamp, and reason codes suitable for internal compliance reviews.
RBAC
Role-based access across consoles — elevated roles for production policy and settlement calendars.
FAQ
Deal-killing objections, answered plainly.
Do you replace our core banking system?
No. Flagship sits beside the core for payment rails and operator workflows. Your GL and deposit ledger stay yours.
Can we start with only switch or only gateway?
Yes. Modules are adopted independently — expand when the programme needs fraud, settlement, orchestration, or wallet.
How does AI show up in bank programmes?
Only as assisted suggestions (for example routing or fraud cues) that still require human approval and maker-checker — never silent auto-promotion.
What about on-prem or private cloud?
Deployment options include SaaS, dedicated, and hybrid with EG / KSA / UAE residency choices. Book a technical walkthrough with your constraints.
Related products
Map rails to your core
Book a technical walkthrough to place gateway, switch, fraud, and settlement beside your stack — or request sandbox for a scoped pilot.