The payment infrastructure that scales under regulation.
Every fintech company faces the same barrier: major banks and payment networks require PCI-DSS before they'll process your transactions. Enterprise deals stall in security review. Investors ask about compliance before the next round. Payment partners demand certification before integration.
We've guided 12 payment companies through PCI-DSS Level 1–4 certifications while building infrastructure that scales to billions in transaction volume. We don't just check boxes — we architect payment systems with security built in from day one.
From tokenization to network segmentation to audit readiness, we handle the complexity so you can focus on growing the business. Our clients process over €8B in transactions annually with 99.99% uptime.
€8B+Transactions secured
12PCI-DSS certifications
99.99%Payment uptime
Featured Success Story
“Threading Clouds delivered a production-grade cloud foundation that helped us meet financial regulatory requirements from day one.”
The dual-cloud partnership behind regulated fintech.
Fintech is hybrid by nature. New customer-facing systems run on AWS — the scale, latency, and pace of innovation are unmatched. The systems of record — core banking, payment rails, settlement engines — often still run on IBM. We're certified by both, so the modernisation path doesn't force you to choose.
AWS Services Partner
For customer-facing scale
PCI DSS Level 1 attestation across every region you operate in
Nitro Enclaves and AWS Payment Cryptography for sensitive workloads
Auto-scaling that absorbs market opens, paydays, and token launches
IBM Silver Business Partner
For systems of record
Native integration with IBM z/OS, Db2, and MQ — where settlement still runs
IBM Cloud for Financial Services controls for regulator-grade audit posture
Hybrid path with Red Hat OpenShift and IBM Cloud Satellite for data residency
Defense in depth. Network segmentation, AWS WAF, DDoS protection, encrypted databases, secrets management, and zero-trust access controls.
Fraud Prevention Integration
Infrastructure for real-time fraud detection. Low-latency data pipelines, ML model serving, anomaly detection, and transaction risk scoring.
Transaction Monitoring
Real-time observability for payment flows. Distributed tracing, anomaly detection, comprehensive audit logging, and payment reconciliation.
Disaster Recovery & Resilience
Multi-region active-active payment paths, tested RTO/RPO targets, chaos and failover drills, and DORA-aligned resilience evidence—so settlement survives an outage, not just the runbook.
Regulatory Surface
Fintech's regulatory surface, handled
PCI-DSS, DORA, MiCA, PSD3, AMLD6, and the AI Act translated from legal language into architecture, pipeline controls, and the dated evidence each supervisor will ask for.
DORA Operational Resilience
ICT risk management, third-party register hygiene, resilience-testing rehearsals, and the 24/72-hour incident-reporting evidence DORA supervisors expect—wired into pipelines and runbooks.
PCI-DSS Level 1
Segmentation, tokenisation, Nitro Enclaves, AWS Payment Cryptography, and the QSA-ready evidence pack that survives an enterprise diligence cycle—not just the annual AOC.
MiCA & Crypto-Asset Compliance
For crypto-asset service providers: custody segregation, white-paper-aligned controls, market-abuse monitoring, and the operational evidence MiCA supervisors and EU national competent authorities request.
PSD3 / PSR Readiness
Strong customer authentication, open-banking API SLAs, and the fraud-monitoring evidence the revised payment-services regime expects from acquirers, PISPs, and AISPs.
AML / KYC / AMLD6
Identity, transaction-monitoring, screening, and case-management infrastructure tuned to AMLD6 and your national regulator's interpretation. Evidence captured as the workflow runs, not retrofitted under audit.
EU AI Act for Financial AI
Risk classification, model documentation, human-oversight checkpoints, and AI literacy evidence for lending, KYC, fraud, and underwriting models—the controls EBA and national supervisors are converging on.
Our Process
From gap assessment to PCI-DSS certification
A structured path from your first scoping workshop to the AOC your acquirer wants to see.
01
Weeks 1–2
Gap Assessment
Comprehensive PCI-DSS scoping and cardholder data flow mapping. Vulnerability assessment, control gap analysis, and certification roadmap.
