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Tieto Banktech Delivered Card Suite to XONO SOFT

The platform implementation will support expansion of card processing services in the European Economic Area.

Updated on Sept. 22, 2026 in Software

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Tieto Banktech completed the delivery of its Card Suite platform to XONO SOFT, enabling the fintech company to expand its payment processing services across the European Economic Area. AI Illustration. Upload story photo >

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Tieto Banktech has completed delivery of its end-to-end Card Suite platform to XONO SOFT. The new system is hosted on Amazon Web Services and supports card issuing, acquiring, and fraud management.

Why it matters

This infrastructure deployment allows XONO SOFT to scale its payment processing capabilities across the European Economic Area. The company aims to operate as a direct card processor for both branded and white-label services.

The Card Suite platform provides full lifecycle management including 3D Secure authentication, clearing tools, and point-of-sale transaction processing. The system is hosted on Amazon Web Services to support scalable card issuing and acquiring operations.

The players

Tieto Banktech

This technology company provides specialized software and platform solutions for the banking and financial services sector.

XONO SOFT

Formerly known as Kauri One, this company is a financial technology firm focused on card processing and payment infrastructure.

Amazon Web Services

This major cloud computing subsidiary of Amazon provides the hosting infrastructure for the new card platform.

The details

The implementation involved extensive integration and testing between Tieto Banktech and XONO SOFT teams over a two-year period. XONO SOFT is currently pursuing platform certification with Visa and Mastercard to support its upcoming commercial launch.

Timeline

  1. XONO SOFT was founded under the name Kauri One in 2018.

  2. Tieto Banktech and XONO SOFT began their partnership in 2025.

  3. System integration and testing occurred throughout 2025 and 2026.

  4. XONO SOFT plans to launch as a card processor in the fourth quarter of 2026.

  5. Commercial go-live for the new platform is set for the end of 2026.

The Tech Race

This deployment marks a shift toward cloud-native payment architectures that replace traditional on-premises legacy systems. It positions XONO SOFT to compete with established processors by utilizing the scalability of the Amazon Web Services platform.

The adoption of this platform may lead to faster and more secure transaction processing for end users across the European Economic Area. It enables a wider variety of financial institutions to offer branded card services through XONO SOFT.

The takeaway

The successful integration of this card platform highlights the importance of cloud hosting in modern financial services. Businesses should expect increased competition in the card processing sector as new processors leverage these scalable tools.

What happens next

XONO SOFT plans to launch as a direct card acquiring and issuing processor in the fourth quarter of 2026 and reach full commercial go-live by the end of that year.

Further reading

Learn more about the latest developments in financial infrastructure on our Software page.

Source note: This article includes information reported by FinTech Global.

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