Solutions

Solutions for Banks

Noqoody partners with banks and financial institutions in Qatar to run acquiring, card issuance and self-service estates end to end — POS e-payment, ATM deployment, card personalization, physical security and cybersecurity, delivered with certified engineering, installation and lifecycle maintenance.

99.9%

Platform uptime target

24/7

Monitoring & field support

T+1

Settlement to bank accounts

24 hrs

Merchant go-live after KYC

White PAX bank POS terminal approving a contactless card tap

POS E-PAYMENT

Bank-grade acquiring on white PAX Android smart terminals: contactless, chip & PIN, mobile wallets and QR — authorised in about two seconds with EMV Level 1/2 and PCI PTS certified hardware.

  • Apple Pay, Google Pay, Samsung Pay and Himyan / NAPS domestic schemes
  • Tokenised card-on-file for recurring and on-demand debits
  • Real-time acquirer switch with automatic reconciliation files
  • Estate management: remote key injection, OTA updates and terminal health
Modern glass ATM kiosk with lit screen

ATM

End-to-end ATM and CRM deployment — site survey, installation, cash management integration and 24/7 field maintenance across Qatar.

  • Cash recycling, cheque and cardless withdrawal journeys
  • Branded lobby, through-the-wall and kiosk form factors
  • SLA-backed first-line and second-line engineering support
  • Uptime, cash-out and fault dashboards with proactive alerts
Card personalization machine encoding a chip smart card

BANKING PERSONALIZATION

Instant and central card issuance: EMV chip encoding, embossing, indent printing, PIN mailers and secure delivery — run by certified engineers.

  • Instant branch issuance in under 5 minutes per card
  • EMV data preparation, key ceremonies and HSM integration
  • Debit, credit, prepaid, payroll and corporate card programmes
  • Consumables, spare parts and preventive maintenance contracts
Bank branch security with vault door, CCTV camera and access keypad

SECURITY

Physical security for branches, vaults and cash centres — designed, installed and monitored to banking regulator standards.

  • CCTV with video analytics and long-term evidential retention
  • Access control, biometrics and anti-tailgating interlocks
  • Vault, safe and alarm systems with central monitoring
  • Branch audits, risk assessments and compliance reporting
Cybersecurity shield protecting a network of payment servers

CYBERSECURITY

Defence-in-depth for payment infrastructure: segmentation, encryption, monitoring and incident response aligned to PCI DSS and QCB guidance.

  • P2PE, HSM-backed key management and tokenisation
  • Network segmentation, WAF and DDoS protection for payment rails
  • 24/7 SOC monitoring, threat hunting and incident response
  • Penetration testing, vulnerability scanning and audit evidence

Built for regulated institutions

Regulatory alignment

Operations aligned with Qatar Central Bank (QCB) requirements, national KYC/AML rules and data-residency expectations for financial institutions.

Certified payment stack

PCI DSS controls, PCI PTS terminals, EMV Level 1/2 kernels and P2PE encryption from tap to acquirer host.

Scheme coverage

Visa, Mastercard, American Express, UnionPay, Himyan/NAPS domestic debit, plus Apple Pay, Google Pay and QR wallets.

Open integration

REST APIs, webhooks, ISO 8583 and ISO 20022 messaging, plus file-based reconciliation into your core banking system.

How we engage

  1. 01

    Discovery & scoping

    Workshop on portfolio, branch estate, acquiring volumes and integration touchpoints. Output: solution design and commercials.

  2. 02

    Certification & integration

    Sandbox access, host-to-host or API integration, scheme certification and UAT with your core banking and switch teams.

  3. 03

    Rollout & training

    Terminal staging, key injection, branch installation, staff enablement and merchant onboarding at scale.

  4. 04

    Run & optimise

    24/7 monitoring, SLA-backed maintenance, quarterly service reviews and portfolio growth reporting.

Ready to talk?

Our team is here to answer your questions about Noqoody.

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