Intelligent Payment Engines: Authorize & Engage
Transform standard transaction processing into programmable payments. Give your clients the power to control authorization logic and drive customer loyalty in real-time.
We have been cooperating with clients for a long time
Stop Just Moving Money. Start Orchestrating It
Card processors provide the robust and secure rails that move money globally. We provide the intelligent extension that sits seamlessly between the Processor and the Issuer to unlock new possibilities. MoroBrain adds Advanced Control: It decides if a transaction should happen (Authorization). MoroPulse adds Instant Value: It decides what happens next (Loyalty & Engagement).
Who Needs Advanced Payment Engines?
- Payment Processors: Offer “Programable Payments” and “Loyalty as a Service” to your clients to win against modern competitors.
- Expense Management & Fleet: Enforce spending policies (e.g., “Fuel only,” “No weekends”) geographically and contextually.
- Neobanks & Lenders: Differentiate via UX. Implement parental controls, gambling blocks, or instant credit scoring.
- Retailers: Launch a loyalty program linked directly to payment cards, bypassing QR codes and plastic cards.
MoroBrain: Transaction Decision Engine
The second brain of your payment operations. Enable programmable payments for Expense Management, Fleet Cards, or BNPL.
Key Features
- Visual Rule Builder: Drag-and-drop logic for Product Managers. Create complex rules (AND/OR/NOT) without a single line of code.
- Custom Rules & Logic: Open to any eligible data sources or systems to create even very complex authorization logic
- Universal Protocol Translator: We normalize data from major processors into one canonical format. Switch processors without rewriting your logic.
- Shadow Ledger: Real-time balance and limit checking independent of the core processor.
MoroPulse: Transaction Engagement Layer
Turn every payment card into a loyalty card. A real-time engine that understands banking data and triggers rewards in milliseconds.
Key Features
- Instant Gratification: Evaluates transactions in <200ms. The user gets a push notification with a reward before they even put their wallet away.
- Bank-Data Native: Unlike e-commerce tools, MoroPulse understands MCC codes, authorization vs. settlement, and ISO standards natively.
- Gamification Ready: Built-in logic for Streaks (e.g., “5 coffees in a row”), Tiers (Gold/Silver), and Badges.
- Seamless Integration: Ready-made integration with myCard App
Why do you love to work with us
Tibor Vilček
Senior Director
Eddie Johnson
SVP PRODUCT
Matthias Finke
CFO
Sylke Maringer
Operational Excellence Director
We have finished
hundreds successful projects
The key to the best solution is our 150 great people
“I started out as a developer at MoroSystems and gradually moved to today's CTO position. In addition to promoting people's knowledge sharing, I focus on working with our key customers, AEVI and Diebold Nixdorf. We deliver solutions based on data processing and high-loaded systems.”
“I am a senior consultant in digital solutions with deep expertise in the fintech sector. A passionate enthusiast of innovative technologies such as blockchain and artificial intelligence. I help companies fully leverage their IT resources.”
“In the past 5 years, as a team leader and architect, I've been responsible for projects with thousands to millions of users. I have completed self-care zones, public portals, intranets, or project management systems. Every project has been very different but my approach has always led me to success.”
“I have been working in IT for 11 years, of which I have been part of the MoroSystems team for over 7 years. As a developer, team leader and an architect I have participated in the implementation of several large transaction systems.”
“I build business on mutual respect and a common human approach. I believe that only in this way can working relationships be built. That is why I strive for friendly communication focused on the real needs of our business partners.”
“I believe that one should only do what he enjoys and what makes sense to him. At our company, we strive to create an environment where we feel good about ourselves, we build it on the values we recognize and we do it so it is fun to work together.”
“I have always believed that a team is more than an individual, that promises are to be fulfilled, commitment and the will to stand out distinguish successful from unsuccessful and long-term relationships based on trust are beneficial for both sides.”
