Eslam Negm
Chief Executive Officer
EST. CAIRO · 2024
v4 platform · live in production
EN / AR · RTL-NATIVEThe Fintech OS.
The foundational layer for modern fintech. Modular systems — gateway, switch, orchestration, wallet, fraud, settlement and beyond — on one SaaS platform. One ledger. One API. One suite to learn.
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Payment OrchestratorPayment GatewayPayment SwitchFraud EngineDigital WalletSettlement & Reconciliation
ONE PLATFORMEcosystem · Pre-integrated
Product surfaces
Consoles and flows your operators and customers recognise — same platform, bilingual EN / AR, RTL-native where it matters.
What it is
01 — POSITIONING
Big payment stacks fray across vendors and glue, not in a single outage.
Flagship is one modular SaaS platform — gateway, switch, orchestration, wallets, fraud, settlement, and what follows.
Bilingual product surfaces, maker-checker where it matters, and one control plane your operators actually run — built RTL-native from day one, not bolted on.
Maker-checker controlsModular deploymentOperator-ready APIs
What we don't do
Replace your core banking, your general ledger, or your KYC vendor. Flagship sits beside them — it does not pretend to be them.
What we do better
Bilingual product, built RTL-native from day one. Maker-checker governance on every rule, batch and override. Modular by design — adopt what you need.
Who we're for
Banks modernising card and POS rails. Processors orchestrating partners. Enterprises and PSPs running merchant portfolios.
The platformModular products,
Modular products,
one platform.
01 · ORCHESTRATOR
Payment Orchestrator
One portal,
every provider.
merchant_portal · invoice #INV-91823
Routed by policy
AMOUNT REQUESTED
EGP 2,480.00
Enabled channels
FawryPay
Cash + e-wallet
Paymob
Online cards
PayTabs
MENA cards
Kashier
MENA cards
Card via bank
MPGS · scheme
A merchant-facing platform that brings FawryPay, Paymob, PayTabs, Kashier and bank card schemes (Mastercard via partner bank) together. Merchants onboard once, enable the channels they're contracted for, create bills and invoices, and share pay-links — the platform routes by policy.
01One relationshipOne integration with your platform instead of many separate vendor integrations.
02Structured onboardingCommercial, legal, and know-your-merchant steps captured once and shared across channels.
03Pay-links + checkoutShareable links and hosted checkout. Customers pay through the channel you allow.
04Bilingual EN / ARFully right-to-left in Arabic. Same product, two reading directions, no compromise.
02 · GATEWAY
Payment Gateway
Mastercard-grade
card acceptance.
gateway · checkout flow · merchant_8KQH
1Register orderamount · currency · items
2Checkout sessionMPGS · 3DS2
3Present checkouthosted · embedded
4Webhooksfinalize · capture
An enterprise-grade gateway integrated with Mastercard Payment Gateway Services (MPGS) to power card payments with multi-acquirer routing, flexible fees, secure hosted or embedded checkout, smart reporting, and settlement.
01MPGS integrationRegister order → create checkout session → present checkout → receive webhooks → finalize.
02Multi-acquirer routingRoute to the right acquirer per merchant, scheme or BIN. Configurable failover.
03Hosted or embeddedDrop in our checkout, embed in your flow, or build white-label from the API.
04Merchant onboardingOnboarding workflows that scale from a single merchant to enterprise portfolios.
03 · SWITCH
Payment Switch
ISO 8583 switching,
for POS at scale.
switch · TMS · velocity rules · v37
active
01if amount_velocity_5m > 8x avg→ throttle terminal
02if decline_storm in 60s→ block terminal · alert
03if PAN in hotlist→ decline · log
04if MID + BIN low-risk→ approve · on-us route
05if MID + BIN cross-scheme→ approve · off-us route
06if * (default)→ approve · cost-min
● APPROVED14:08:21
SALE · EGP
489.50
CARD•••• 4242 · VISA
TERMTID 8KQH · MID 91823
AUTH62ms
3DSok
1
2
3
4
5
6
7
8
9
*
0
#
A high-throughput POS switch that authorizes, routes, and settles card transactions (SALE, VOID, REFUND) in milliseconds — smart on-us / off-us routing, end-to-end monitoring, and operational reporting (EOD, settlement, reconciliation).
01ISO 8583 message processingIngest, validate, switch and respond in milliseconds with auditable event logs.
02Terminal Management (TMS)Remote configuration, health, hotlists and velocity rules — staged policy rollout.
03Velocity controlsLimits, counters, decline-storm detection, auto-throttle or block terminal.
04Operator reportingEOD, settlement totals, on-us / off-us splits, decline & timeout analysis.
04 · FRAUD
Fraud Engine
Rules-first.
Explainable by design.
fraud · event_4QH8 · cnp
score 0.72 → step-up
Decision breakdown
Base risk · CNP
BIN tier · medium
Velocity 5m > 4x
Device · new
Allowlist hit
OUTCOME · STEP-UP
Send to 3DS2 challenge before authorization.
A centralized, rule-driven fraud engine that evaluates payment events in real time using predefined rules, enriched context, and deterministic outcomes — then orchestrates prevention actions across gateway and switch flows.
01Auditable decisionsEvery decision can be traced back to the rules and signals that produced it — for regulators, disputes and reviews.
02Same engine, both railsWorks across gateway (CNP) and switch (POS) so policies stay consistent online and in-store.
03Versioned rulesMaker-checker rollout. Stage in shadow mode. Promote with reason codes.
04Rich contextVelocity counters, allow / block lists, BIN & MCC tiers, country controls, device & geo signals.
05 · WALLET
Digital Wallet
Multipocket
by design.
Customer wallet
Pockets
A flexible digital wallet where users manage multiple pockets — each with its own type and units — to support cash, cards, points, savings, tickets, and any user-defined pocket the operator allows.
01Type + units per pocketMoney, points, tickets, savings units. Same model, different semantics.
02User-defined pocketsMultiple pockets of the same type allowed. Goals, labels, icons per pocket.
03Internal transfersPocket → pocket. Instant when same type. Conversion rules when crossing types.
04External wallet ↔ walletQR or customer reference for peer transfers with fees and arrival-time disclosure.
06 · SETTLEMENT
Settlement & Reconciliation
The controlled
end-of-day.
settlement · 2026-05-10 · maker-checker
4 batches
CYCLEBATCHGROSSFEENETSTATUS
T+0 · openB-91823 · EGP1,420,8000.55%1,412,985open
T+0 · lockedB-91822 · EGP893,2100.42%889,459locked
T-1 · paidB-91821 · EGP1,642,0000.68%1,630,838paid out
T-1 · paidB-91820 · USD212,4000.05%212,294paid out
Settlement turns live transactions, fees and beneficiary splits into batches you can book, pay out, or explain to a bank. Reconciliation proves them against acquirer and bank files — without putting secrets in your day-to-day logs.
01Single-currency batchesSame settlement day. Same currency. Eligible payment states only. Fees resolved or deferred by rule.
02Processing vs value dateBoth are stored so finance can align with SWIFT or local clearing expectations.
03Bank file importCSV or bank-specific formats ingested to populate expected lines or validate platform totals.
04Maker-checker overridesAdjustments require approvals and reason codes. Every action lands in the audit trail.
Who runs on Flagship
Built for the institutions moving money.
01
Banks & FIs
Modernise card, switch and POS rails without forklift migration. Layer Flagship on top of your core banking — we don't replace it.
02
Processors & PSPs
Run a multi-tenant gateway and orchestrator with partner integrations already in place. Onboard merchants in days, not quarters.
03
Enterprises
One platform for treasury, finance and operations across your merchant entities, currencies and geographies.
04
Fintech startups
Ship a wallet, a neobank, or a marketplace without building gateway, switch, settlement and fraud yourself.
ReachOne platform,
One platform,
every market you operate in.
Engineered in Cairo, operated across MENA and beyond. Wherever your banks, acquirers and partners are, Flagship plugs into the same rails — bilingual EN / AR by default, and ready to be localised for any regulatory regime you run in.
CAIRO · HQ
Engineering · operations
GCC
Partner integrations · acquirers
MENA & LEVANT
Card schemes · local rails
SELECTED EU & APAC
Corridor expansion · pilots
The teamPayments people who've shipped the systems
Payments people who've shipped the systems
you're trying to replace.
Engineers, payments operators, and risk specialists with careers spent inside MPGS, ISO 8583, settlement files and merchant onboarding. We are not a team that explains what fees are — we ship the engines that calculate them.
Replace fragmented vendors
with one platform.
A 30-minute call with our solutions team. We'll show you the bilingual product, map it to your stack, and tell you honestly where it fits — and where it doesn't.