OUR STORY

We built payment infrastructure by following how the world started to pay.

Founded in Chennai in 2014, CredoPay grew up alongside one of the fastest payment shifts in history — from cash to digital. Today we build the infrastructure that banks, PSPs, and fintechs run on across fast-growing economies.

THE LONG GAME

When cash gave way to digital, we rebuilt for what came next.

From ATM networks to payment infrastructure.

CredoPay began in 2014 in the business of cash — building and operating ATM networks across India. Then the way a billion people paid changed almost overnight: in 2016, India withdrew 86% of its currency from circulation, and a cash economy became a digital one in a matter of months.

We watched that shift happen first-hand, and made a decision — to move with it. Rather than hold on to a shrinking cash model, we rebuilt around the rails that were replacing it: UPI, cards, QR, SoftPOS, and real-time settlement.

By 2020 that work had become CenterFirst — a full payment infrastructure platform for banks, PSPs, and fintechs.

Phase 01

ATM & Cash Infrastructure

2014 — 2016

Building and operating ATM networks across India. First-hand experience running payment hardware at scale before digital arrived.

Phase 02

The Digital Pivot

2016 — 2020

Demonetisation changed everything overnight. We rebuilt around UPI, cards, QR, and real-time settlement rails instead of holding on to cash.

Phase 03

CenterFirst & Global Scale

2020 — Present

CenterFirst launches as a unified platform. 6 countries, 100+ clients, $1.5B+ annual volume — profitable, scaling, and international.

Our Vision

To be the most trusted payment infrastructure layer for banks, fintechs, and payment institutions across Asia Pacific and the GCC — a platform so reliable, institutions build their programmes on top of it without a second thought.

We aspire to make modern payment infrastructure as accessible in emerging markets as it is in the world's most developed financial systems, closing the gap between ambition and capability for every institution we work with.

Our Mission

CredoPay's mission is to eliminate the complexity of payment infrastructure from every institution we serve. We deliver certified, scalable, multi-network payment rails — handling switching, routing, settlement, reconciliation, and dispute management — so our clients can focus entirely on serving their customers, not on managing plumbing.

We believe payment infrastructure should be simple to deploy, impossible to break, and transparent in operation. That belief drives every product decision, every integration, and every operational commitment we make to our clients.

OUR JOURNEY

When cash gave way to digital, we rebuilt for what came next.

2014

Founded in Chennai

ATM network deployment and cash infrastructure operations across India. Learning the fundamentals of running payment hardware at scale.

2016

Demonetisation — The Turning Point

India withdrew 86% of its currency overnight. We watched a cash economy become digital in months — and made a decision to move with it.

2018

The Digital Rebuild

Re-architected entirely around UPI, cards, QR, SoftPOS, and real-time settlement rails. The foundations of CenterFirst begin taking shape.

2020

CenterFirst Launches

Our unified payment infrastructure platform goes live. Banks, PSPs, and fintechs in India begin building their payment programmes on CenterFirst.

2022

International Expansion — GCC & South Asia

Expansion into Oman, UAE, Saudi Arabia, Qatar, and the Maldives. SalisPay is established as our Middle East operating entity.

2024

6 Countries, 100+ Clients

$1.5B+ in annual payment volume. Profitable, scaling, and expanding. Operating across India, Oman, UAE, Saudi Arabia, Qatar, and the Maldives.

India

Oman

UAE

Saudi Arabia

Qatar

Maldives

HOW WE WORK

Principles that shape everything we build.

Infrastructure-first mindset

We build foundations, not features. Every product decision is made with the question: does this make our clients' infrastructure stronger?

Operational excellence

Our infrastructure is a 24/7/365 discipline. We hold ourselves to the same uptime and reliability standards we commit to in our SLAs.

Local knowledge, global standards

Operating across 6 jurisdictions means understanding regulatory nuance, local payment culture, and scheme-specific requirements in each market.

Long-term partnerships

We don't win contracts — we earn relationships. Our client retention reflects the fact that we show up for the hard problems, not just the launches.

Compliance as a feature

PCI-DSS, scheme certifications, and regulatory compliance aren't checkboxes. They're built into the platform from the start — not bolted on.

Honest about complexity

Payment infrastructure is genuinely complex. We don't oversimplify it in our sales process, and we don't hide it in our delivery. That honesty builds trust.

LEADERSHIP

The people behind CredoPay.

The founders and investors who built CredoPay into an international payment infrastructure company.

Founder

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Co-Founder & CEO CredoPay / TransTrac Technology Services

Leads strategy, product direction, and international expansion across India and the GCC markets.

Founder

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Co-Founder & CTO CredoPay / TransTrac Technology Services

Architects the CenterFirst platform and leads engineering across payment switching, settlement, and reconciliation.

Founder

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Co-Founder & COO CredoPay / TransTrac Technology Services

Oversees operations, scheme certifications, and managed services delivery across all markets.

Investor

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Strategic Investor Add Organization

Strategic partner supporting CredoPay's regional expansion and financial services growth across Asia Pacific.

GLOBAL PRESENCE

Operating across 6 countries.

Local teams, local certifications, local language support in every market we operate.

India

Oman

UAE

Saudi Arabia

Qatar

Maldives

BY THE NUMBERS

A decade of infrastructure built.

The numbers behind ten years of payment operations across Asia Pacific.

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0 Merchants supported

0 Enterprise clients

0 Banks integrated

0 Payment networks

0 Security & compliance certs

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WORK WITH US

Let's build something that lasts.

Whether you're a bank looking to modernise, a fintech ready to scale, or a payment facilitator exploring new markets — we'd like to talk.

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