QSYSTEMS SRL

QSYSTEMS SRL image

QSystems is an independent software vendor and processing-services provider for the financial market, specialising in payments and remittances. The company develops, implements and supports state-of-the-art products that innovate the payment industry and help millions of people interact with the digital economy.

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Company description

Founded in 2001 by a team of IT specialists with experience in financial and payment solutions, QSystems is an independent software vendor and processing-services provider focused on the payments and remittances market. The company develops, implements and supports innovative platforms that enable payments, digital economy interactions and remittance flows—serving banks, PSPs, governments and other financial-ecosystem participants worldwide.

Main Products & Solutions
The company offers a suite of specialised products for the payments and remittances market:

  • Electronic Bill Payments Platform

  • Government Payment Service

  • Remittance Back-Office and Front‐Office Systems

  • Gateway & AML Modules

  • Transfer-to-Account (T2A) System

  • Direct Payment Network (DPN)

  • Core Banking Platform for small and mid-size banks, credit unions, fintechs and e-commerce marketplaces

 

In terms of end-to-end solutions:

  • Unified Payment Platform: designed for government bodies to aggregate all types of payments for the budget and settle them in the same day.

  • Money Transfer Solutions: including “Master‐Agent” mode to aggregate many Money Transfer Operators, dedicated solution for launching MTOs, and a Direct Payment Network eliminating intermediaries.

  • Banking Solution: fully automated core banking system (accounts, clients, payments, FX/trading, general ledger, reporting) with an integration layer enabling open-banking interoperability.

Industries

  • E-commerce & digital marketplaces (billers | payment integration)
  • Financial services (payments | remittances | bank | credit unions)
  • Fintech & PSPs (money transfer operators | payment service providers)
  • Government & public sector (government payments | bill-payments | national payment gateways)

Service & Capabilities

QSystems develops, implements and supports state-of-the-art products for the payments and remittances market, including unified payment platforms, money-transfer back-office/front-office systems, gateways and AML modules, “Transfer to Account” systems, direct payment networks, and a core-banking platform for small and mid-size banks, credit unions, e-commerce marketplaces and fintech/PSPs.

Partners of & Certifications

ISO 9001 certified (Certificate No. 230421-8)

Clients & Markets

QSystems serves clients in the financial-services sector globally, including banks, payment service providers, money-transfer operators, utility billers and government bodies. Its market includes Moldova as home base, CIS and Eastern Europe, and beyond with cross-border payments and remittance solutions deployed in several countries.

Technologies

Open banking integration layers, core-banking automation (accounts, clients, payments, FX, trading, ledger and reporting)
Gateway / back-office systems for remittances and payments
Front-end & mobile applications for banking and transfers
Unified billing and payments platforms (billers interface, real-time biller notifications)
Cross-border payment networks and direct payment networks eliminating intermediaries