Digital Payments: Innovative & Enhanced Customer Experiences

Enhance your payments solution delivering an integrated, speedy, and compliant customer-centric journey with Critical Software.
Digital Payments
Tailored Solutions for Varied Customer Needs
Our holistic and tailored approach to digital payments delivers smooth, swift and safe solutions that will maximise your business value.

This entails creating bespoke customer journeys, seamlessly integrating multiple providers and payment schemes. Customers are seeking frictionless, multi-channel experiences, integrating different services and providers into an all-in-one solution suited to their hectic daily lives.


Our end-to-end vision and tailored solutions empower our clients to define an effective roadmap to sustain the business goals with seamless and

innovative customer journeys between the client onboarding and payments services, providing secure and scalable solutions. Throughout the

transformation journey, our Digital Payments Transformation approach customises the working model to the organisational culture, guaranteeing

proper governance and results evaluation along the way.

Enhanced Customer Experience for Innovative Services

Prioritising a customer-centric journey not only facilitates improvements to user experience but also fosters innovative cross-selling, embedded finance opportunities and the necessary ecosystem for them to grow, while simultaneously ensuring reliable and streamlined transactions.  


Optimising the payments landscape to support these journeys demands scalable solutions enabling the efficient and secure handling of transactions and seamless integration between diverse payment options and providers. 


We're dedicated to enhancing customer experiences and have over the

years garnered the expertise needed to revamp entire payments scheme, placing the customer at the heart of every transact.

Customer Experience
Seamless Payments Ecosystems

Our Payment Schemes Seamless Integration model ensures seamless integration between payment providers and merchants, through different integration schemes, within an ecosystem that can support their business and transactions. This framework secures regulatory compliance, robust security measures, scalability, and the integration of multiple providers while overcoming the inherent limitations of core legacy systems. 


Comprising the payment persona, merchant, issuer and acquirer, our approach for the Four Corners Payment Model combines interoperability, legacy system integration and omnichannel services. This integrated approach unlocks a truly unified payment experience, promoting efficiency and convenience for all stakeholders. 


And what’s more, our integration complies with the highest standards in payments safety as well as the numerous schemes around the globe (e.g: PSD2, European Initiatives, etc.).

Four Corners Payment Model
Technology Modernisation

Legacy systems, designed in times past when industry and customer requirements were different, often lack the flexibility and agility demanded by today's dynamic digital banking landscape. This deficiency affects the adoption of contemporary mobile payment solutions, which rely on real-time processing and the capacity to handle higher transaction volumes. 


Our approach is tailored to the specific context, whether through replatforming, refactoring, rebuilding, augmenting existing solutions, or a combination of these. This enables the sustainable management of the legacy solutions coexistence with the new solutions and services. 


Our teams possess a keen focus on:

  • Progressive modernisation for seamless transition 
  • Bespoke modernisation strategies 
  • Domain-driven high performance and scalable agile teams


Working with Critical will help you unlock a comprehensive 360-degree transformation, allowing you to leverage our expertise in process design to update your legacy systems. Our teams specialise in understanding your specific context and main goals, enabling the formulation of a complete journey from legacy technologies to innovative solutions and ensuring a smooth transition from one to the other.

Technology Modernisation
Supporting your business in unleashing its digital payments