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 at MoroSystems as a developer and now serve as the CTO. My goal is to ensure that our customers receive technological solutions that meet their business needs. My key areas of expertise are transaction and payment systems, as well as everything related to cards and payments.”
“I am a senior consultant with over 20 years of experience delivering high-value-added software solutions. My primary focus is on the financial sector (BFSI). I am passionate about innovative technologies such as blockchain and artificial intelligence. I help companies get the most out of their IT systems.”
“Thanks to my practical experience with backend and frontend development, DevOps, team leadership, and solution architecture, I have a deep understanding of the project lifecycle. I apply this knowledge when delivering comprehensive solutions to clients in the financial and telecommunications sectors.”
“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 base my business dealings on mutual respect and a down-to-earth approach. I believe this is the only way to build working relationships. That’s why I strive to communicate in a friendly manner that focuses 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.”
