End-to-End Payment Infrastructure Built for Fintechs, Banks, Processors, Merchants and ISVs.

Toucan is pioneering the AI augmentation in payments, transforming how businesses issue, acquire, process, and manage financial transactions globally.

15+ Countries
10Mn+ Users
$2B+ Transactions Processed

Who We Work With

Powering every part of the payment ecosystem

Banks & NBFCs

Launch and scale digital banking platforms
Enable card issuing, wallets, and lending solutions
Run payment gateway & acquiring services
Manage switching and settlements with regulatory compliance

Processors

Intelligent transaction routing & least-cost switching
Real-time API orchestration for multiple networks
40% fewer failed transactions with resilient infrastructure
Simplified settlements & reconciliation

ISVs & Merchants

Embed payment acceptance directly into their platforms
Offer white-label wallets, BNPL, and loyalty solutions
Unlock new revenue streams through value-added services
Deliver seamless checkout & customer experiences

Fintechs

Go live quickly with wallets, prepaid & credit cards
Use our API-first platform for faster integrations
Scale seamlessly with cloud-native reliability & security
Innovate with AI-powered fraud & risk management

Why an OS for Payments?

ToucanOS - One Platform, Seamless Possibilities

ToucanOS is the industry's first purpose built operating system for payments. Construct your entire payment journey with intelligent plug and play modules.

Unified Platform

Bring all your payment components together in one system — fully connected, no silos, no manual work.

AI Optimization

Make every transaction smarter with real-time fraud checks, intelligent routing, and instant approvals.

Self-Learning

With every transaction, ToucanOS learns and adapts — reducing failures and boosting efficiency over time.

Modular Growth

Start small and scale seamlessly — add new services as you grow, without disrupting your business.

ToucanOS Product Suite: Modular by Design, Tailored for You

ToucanOS lets you build your own payments stack, mix, match, and scale with modular solutions that adapt to your business.

SuperStream

Route every transaction the smart way across multiple PSPs, with built-in failover for higher success rates.

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AcquireFlow

Accept payments faster with real-time routing, automatic retries, and deep performance insights.

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CardForge

Manage cards with ease offering spending controls, fraud protection, and usage intelligence.

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FlexiSwitch

Connect to multiple networks with intelligent routing that lowers costs and improves reliability.

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Paynity

Secure and flexible wallets with tokenization, rewards, and loyalty features your customers will love.

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BankCore

Power your banking stack with core APIs for accounts, transactions, and real-time insights.

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Smarter payments with Toucan AI—faster approvals, lower costs, higher success.

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Customer stories

NMB Bank

NMB Bank modernized card issuance, replacing slow, manual systems with a real-time engine for debit/prepaid cards, integrated with core banking and compliance dashboards.

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KPay

KPay revamped its payments infrastructure, migrating from a legacy gateway to a cloud-native platform with tokenization, fraud controls, multi-rail routing, and PCI/BCEAO compliance.

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CellPay

CellPay streamlined payment operations, shifting from fragmented rails to an AI-driven orchestration platform, enabling scalability, faster onboarding, and management across 15+ channels.

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