Sequoia Mosaic 3000 (SM 3000)
A modular, enterprise software platform for cards and payments processing — trusted by banks, payment gateways, national payment systems, and central banks.
Core Bank System
A comprehensive automated banking platform for managing the full digital banking ecosystem: back-office administration, customer accounts, banking products, payments, cards, accounting, reporting, web client cabinet, and mobile banking application.
- Centralized management of users, roles, clients, permissions, and entities
- Customer account management, system accounts, currencies, statements, and documents
- Product, service, operation, fee, cost, promo code, and branch configuration
- Transaction processing, manual operations, outgoing transfers, approvals, and audit logs
- Card program management, BIN configuration, partners, and currency position control
- Accounting modules: ledger entries, balance sheet, P&L, report templates, and reports
- Digital onboarding, applications, live chat, email templates, and client communications
- Web user cabinet and mobile banking app management from a unified platform
- Integration with external banks, recipients, exchange rates, and crypto operations
Electronic Parking System
Integrated municipal parking management solution for electronic ticketing, payment collection, and parking enforcement operations.
- Electronic parking ticketing
- WhatsApp & SMS parking activation
- POS sales point support
- Real-time parking validation
- Municipal reporting & audit logs
- Mobile parking app available on App Store & Google Play
Electronic Payment System
End-to-end electronic payment infrastructure supporting all major card schemes and transaction types across multiple channels.
- ATM, POS & self-service terminal support
- E-commerce & internet acquiring
- Chip, NFC contactless & magstripe
- Full transaction lifecycle management
Risk Management
Real-time fraud prevention and risk scoring engine with configurable rule sets to protect cardholders and merchants alike.
- Configurable anti-fraud filters
- Real-time transaction scoring
- Chargeback management
- Regulatory reporting & audit logs
Card Personalization
Complete card personalization services — from data preparation to physical card production — for MasterCard and VISA programs.
- Certified MasterCard & VISA personalizer
- PIN mailer & PIN envelope generation
- Digital & physical card workflows
- White-label program support
Issuing & Acquiring Processing
Integrated authorization platform covering the full issuing and acquiring chain with online API, merchant management, and reporting.
- Online authorization API
- Merchant registration & management
- Fee & service configuration
- Light API for merchant integration
Cryptocurrency Processing
Bridge traditional banking with digital assets — process crypto transactions alongside conventional card and payment operations.
- Crypto transaction processing
- Digital wallet integration
- E-money support
- Hybrid fiat / crypto operations
Payment Processing
International payment rails — SWIFT, TARGET2, SEPA — plus IBAN-based accounts for individuals and corporations.
- SWIFT, TARGET2 & SEPA support
- IBAN accounts for retail & corporate
- International money order payments
- Real-time settlement