Source: [Fintech and payments operations](https://fireflysoftware.io/industries/fintech-payments/)

Description: Onboarding, investigation preparation, credit administration, and reconciliation services for fintech and payment businesses.

Language: en

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# We add operating capacity as your platform grows.

We run onboarding, customer reviews, and financial reconciliation across your partners and providers, and agree up front who is responsible for each step.

[Book an operations review](https://fireflysoftware.io/contact/) [Explore our services](https://fireflysoftware.io/services/)

What the operation depends on

## Growth crosses more than one system.

One customer journey can involve a platform, a financial institution, a verification provider, a processor, and a payment service. Each handoff needs an owner.

Who it serves

## The businesses we work with.

- ### Payment and merchant platforms
  Business onboarding, investigation support, and settlement reconciliation.
- ### Embedded finance businesses
  Defined work across the distributor, the institution, and service providers.
- ### Digital lenders
  Customer evidence, complete credit files, and loan administration.

What we run

## Services from onboarding to settlement.

Each service ends in a unit of work you accept. Start with one.

- ### [OnboardingOS](https://fireflysoftware.io/services/onboardingos/)
  Customer and Business Onboarding
  Unit of work A completed onboarding or refresh case
- ### [FinancialCrimeOS](https://fireflysoftware.io/services/financialcrimeos/)
  Financial Crime Operations
  Unit of work An accepted investigation
- ### [ReconcileOS](https://fireflysoftware.io/services/reconcileos/)
  Reconciliation Operations
  Unit of work A closed reconciliation cycle
- ### [CreditOS](https://fireflysoftware.io/services/creditos/)
  Credit Operations
  Unit of work An accepted credit file
- ### [ServicingOS](https://fireflysoftware.io/services/servicingos/)
  Loan Servicing Operations
  Unit of work An active loan account, serviced for the month

Who does each stage

## From onboarding to safeguarded funds.

We run five of these stages.

Fintech and payments · six stages

The fintech and payments lifecycle runs through six numbered stages along one platform. We run five of them as Firefly services, drawn as amber modules. They are “Onboarding”, “Monitoring alerts”, “Disputes and chargebacks”, “Settlement reconciliation”, and “Safeguarding”. One stage is a decision your team makes, drawn as an olive decision brick marked with a person. It is “Compliance decision”.  Amber is a Firefly service. Olive is your decision.

1. ### Onboarding
   We collect the request, rate the risk, and complete the checks.
   [OnboardingOS](https://fireflysoftware.io/services/onboardingos/)
2. ### Monitoring alerts
   We review L1 alerts and screening hits and prepare L2 investigations.
   [FinancialCrimeOS](https://fireflysoftware.io/services/financialcrimeos/)
3. ### Compliance decision
   Your compliance officer or the authorized institution decides each case.
   Your decision
4. ### Disputes and chargebacks
   We assemble the evidence and prepare each response within scheme deadlines.
   [ReconcileOS](https://fireflysoftware.io/services/reconcileos/)
5. ### Settlement reconciliation
   We reconcile bank and PSP settlements and clear suspense.
   [ReconcileOS](https://fireflysoftware.io/services/reconcileos/)
6. ### Safeguarding
   We reconcile safeguarded funds for payment and e-money institutions.
   [ReconcileOS](https://fireflysoftware.io/services/reconcileos/)

Where to start

## Start with the queue or flow that limits capacity.

Pick a merchant-onboarding segment, a review queue, or a settlement flow, and measure the completed work and the full cost of running it.

We scope engagements across the United States, Latin America, and Europe.

Who decides

## Where our work ends and your partners’ begins.

We run an operating service. Deposit-taking, lending, issuing, and payment execution stay with the authorized entities.

Your first operation

## Bring us one operation.

Tell us the process, the volume, and what “done” looks like. We will come back with a scope, a deployment plan, and a proposal.

[Book an operations review](https://fireflysoftware.io/contact/) [Request a demo](https://fireflysoftware.io/contact/?request=demo)