Technical Consultancy
Senior payments architecture and domain expertise, on demand — from design workshops and processor selection to certification plans and production sign-off.
End-to-end expertise in payment systems and AI.
We provide consultancy, engineering and HR services to banks, fintechs and payment companies — from EFT-POS, SoftPOS and acquiring systems to payment security and AI. The team that designs the architecture also owns the integration, the certification and the system in production.
15+
years in payment systems
1M+
POS terminals run on platforms our engineers built
35+
banks & institutions delivered for
30+
processors & schemes integrated
Services
Software Engineering
Compact senior teams that design, build and operate production financial systems — and stay accountable for them after go-live.
HR & Team Augmentation
Payments-specific recruitment and nearshore senior teams, technically vetted by engineers who have built these systems themselves.
How we engage
Advisory
Architecture reviews, certification planning and technical due diligence — booked by the day, no long-term commitment.
Fixed-Scope Delivery
A defined integration, certification or product milestone delivered end to end, with a clear owner and acceptance criteria.
Embedded Team
Senior engineers working inside your organisation for the long haul — same tools, same standups, same accountability.
Focus
Built around the point of sale.
Our core craft is the terminal and everything behind it: POS applications, SoftPOS and Tap-to-Pay products, EMV kernel integrations, PIN on Glass, terminal management, L3 certification and processor onboarding — delivered for acquirers and SoftPOS vendors across Europe and the US.
- Security, HSM & Key Management
- Payment HSMs (Thales payShield, Utimaco Atalla): PIN translation & verification, MAC, key ceremonies, remote key loading (RKL/RKI) under TR-31 / TR-34, DUKPT, tokenization — plus PCI DSS, P2PE, PIN and MPoC programmes.
- Payments & Acquiring
- Acquiring hosts, gateways, virtual POS, alternative payment methods, clearing and settlement.
- AI & Data
- GenAI products, RAG pipelines, governed natural-language analytics, local and on-prem inference.
- Banking Platforms
- Core banking integrations, e-money platforms, middleware, ERP/CRM, business intelligence.
- Mobile & Portals
- Flutter applications, merchant and back-office portals, admin tooling.
Standards we work against
- ISO 8583
- nexo
- EMV L1 · L2 · L3
- EMV 3-D Secure
- PCI DSS
- PCI P2PE
- PCI PIN
- PCI MPoC
- PCI SSF
- TR-31 · TR-34
- DUKPT
- TR QR
- ISO 20022
- MCP
- ISO/IEC 42001 (AI)
Selected work
SoftPOS · Certification
Long-running engineering partnership with Softpay (Denmark): processor integrations, EMV kernel work and scheme certifications for SoftPOS across European and US markets.
National Infrastructure
Host protocol and remote key loading design consultancy for BKM (Bankalararası Kart Merkezi) within Türkiye’s national TechPOS programme.
Applied AI
Kolayz: a natural-language analytics platform generating governed SQL across 15+ database dialects — designed, built and running in production.
Integration experience
Processors, acquirers and schemes we’ve integrated.
Integrated or certified against under client engagements in recent years.
worldpay
worldline
fiserv.
J.P. Morgan Payments
AMERICANEXPRESSAmerican Express
citibank
elavon
nexi
moneris
shift4
redsys
checkout.com
rapyd
VakıfBank
mollie
PostFinance
Swedbank
SEB
SIA
BKM TechPOS
paynt
silverflow
myPOS
VISA
Mastercard
AMERICANEXPRESS
DISCVER
Diners Club
JCB
UnionPay
Interac
Bancontact
girocard
Dankort
BankAxept
troy.
Marks shown are stylized references; all product names and trademarks belong to their owners.
Institutions our team has delivered for
Türkiye
Akbank · Anadolubank · Citibank · Denizbank · Fibabanka · HSBC · ICBC Turkey · ING · İş Bankası · Kuveyt Türk · QNB Finansbank · Şekerbank · TEB · Halkbank · VakıfBank · Vakıf Katılım · Ziraat Bankası · BKM · Token Finansal Teknolojiler
International
Adyen (NL) · Mollie (NL) · Silverflow (NL) · Unzer (DE) · KT Bank (DE) · Softpay (DK) · Nets (DK) · Nexi (IT) · SIA (IT) · Worldline (FR) · Redsys (ES) · PostFinance (CH) · Rapyd (UK) · Checkout.com (UK) · Worldpay (UK) · Elavon (US) · Fiserv (US) · J.P. Morgan Payments (US) · American Express (US) · Shift4 (US) · Moneris (CA) · Swedbank (SE) · SEB (SE) · Valitor (IS) · Dintero (NO) · Nomupay (IE) · Paynt (LT) · myPOS (BG) · Polish e-Payments (PL) · Credit Europe (RU/RO) · Halkbank AD (MK) · Ziraat Bosnia (BA) · Koop Merkez Bankası (KKTC) · StarCard (KKTC)
About the practice
Deliberately small. Every engagement is led by engineers who have designed, certified and operated payment systems in production.
The team behind PPK has built EFT-POS platforms serving around a million terminals, SoftPOS products used across Europe, and acquiring hosts processing millions of daily transactions — and AI products running in production today.
Contact
Tell us what you’re building.
hello@ppkconsultancy.comphone0850 307 25 79
addressPPK Yazılım ve Danışmanlık Hizmetleri
Yelki Mah. Namık Elal Cad. No: 50/L, Begonvilla Sitesi 12
35310 Güzelbahçe / İzmir, Türkiye