Tieto Banktech Delivered Card Platform to XONO SOFT
The platform integration supports card issuing and acquiring expansion across the European Economic Area.
Updated on Sept. 22, 2026 in Software
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Tieto Banktech has completed the deployment of its Card Suite infrastructure for XONO SOFT. The platform enables both white-label and branded card processing services hosted on Amazon Web Services.
Why it matters
The deployment provides the technical foundation for XONO SOFT to scale its transaction processing operations throughout the European Economic Area. This project serves as a key prerequisite for the company to achieve official card network certification.
The Card Suite system serves as an end-to-end processing layer, providing issuing management, acquiring functionality, and 3D Secure authentication—a security protocol for online credit card transactions—all hosted on Amazon Web Services.
The players
Tieto Banktech
A financial technology firm specializing in modular banking software, card processing systems, and payments infrastructure.
XONO SOFT
A payment services provider, formerly known as Kauri One, focused on card issuing and acquiring infrastructure for the European market.
The details
The platform utilizes a cloud-native architecture to manage the full lifecycle of a payment, from switching and clearing to fraud management. Teams performed systems integration and testing throughout 2025 and 2026 to ensure the infrastructure could handle both point-of-sale and online transaction volumes. The software is designed to support high-scale requirements for financial processors operating across the European Economic Area.
Timeline
2018: XONO SOFT was founded under its previous name, Kauri One.
2025: Tieto Banktech and XONO SOFT initiated their partnership.
2025-2026: The companies conducted system integration and testing.
Q4 2026: XONO SOFT plans to launch as a direct card processor.
End of 2026: A full commercial go-live of the platform is scheduled.
The Tech Race
This project positions XONO SOFT to compete with established regional processors by consolidating disparate payment functions into a single cloud environment. It follows the industry trend toward cloud-based core banking systems required to meet the compliance standards established by the Payment Services Directive 2.
This development enables businesses to scale their card issuing and acquisition services across European markets more efficiently once the platform goes live. Consumers and merchants will see the practical effects of this infrastructure upgrade when XONO SOFT completes its planned Q4 2026 commercial launch.
The takeaway
The transition to cloud-hosted card management platforms is enabling new entrants to bypass legacy hardware constraints and scale across the European Economic Area. Industry observers should watch for the Q4 2026 launch date to verify the company's ability to maintain processing performance at scale.
What happens next
XONO SOFT expects to initiate its launch as a direct card acquiring and issuing processor in the fourth quarter of 2026, followed by a full commercial go-live at the end of the year.
Further reading
For broader context on current shifts in cloud-native payment infrastructure, visit Software.
Source note: This article includes information reported by FinTech Global.
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