Full Stack AaaS

    Complete acquiring as a service.
    Technology + license + operations.

    Akua operates as the acquirer and you offer the service to your merchants under your brand. The fastest way to launch an acquiring operation without building anything from scratch.

    The problem

    Building an acquiring stack is a multi-year project

    Integrating multiple providers, obtaining licenses, and assembling oversized operational teams no longer makes sense when a complete alternative exists.

    Integrating multiple providers

    Processing with one, clearing with another, risk with a third. Coordinating multiple vendors creates complexity, hidden costs, and failure points.

    Months of implementation per module

    Each stack component requires its own integration, testing, and certification. Time-to-market grows exponentially.

    Fragmented risk management

    Without a unified view of fraud, compliance, and operational risk, merchants are exposed and losses grow.

    Oversized operational teams

    You need separate teams for each system: settlement, reconciliation, support, compliance. Operational costs that scale without control.

    < 0 díasFull operation live
    0%Operational team reduction
    0No multiple vendors
    0/7Operational support included
    The solution

    A complete stack, ready to operate

    Full Stack AaaS includes everything needed to launch and operate acquiring: processing, settlement, risk, compliance, and support — all as a service.

    Acquiring license included

    No need for your own license. Akua operates as the acquirer and you offer the service under your brand with flexible revenue sharing.

      Full processing stack

      Authorization, capture, clearing, settlement — all integrated in a single platform with native ISO 8583 and REST APIs.

        Automated settlement & clearing

        Automated settlement with configurable splits, per-merchant commissions, and T+0 settlement available.

          Risk and fraud management included

          AI-powered risk engine, 3DS, tokenization, and chargeback management — all integrated at no additional cost.

            AI Agents for operations

            AI agents for reconciliation, merchant support, compliance, and fraud detection. Automate 80% of your operation.

              White-label dashboard & reporting

              Merchant portal, analytics, and regulatory reports — all under your brand with full customization.

                Ideal for

                Is Full Stack AaaS for you?

                Technology companies looking to monetize with payments
                Vertical platforms (health, education, delivery)
                Launching neobanks that need fast acquiring
                ISOs and sales agents looking to scale

                Explore more

                Other options and related products

                License Enabler

                Enable acquiring licenses without needing to obtain your own.

                Cloud Native Processor

                The processor your acquiring operation needs. Deployed on AWS with active-active architecture.

                AI Agents

                AI agents that automate payments operations, compliance and support.

                Reconciliation

                Automated transaction reconciliation in real time with intelligent matching.

                Merchant Engine

                Onboarding, management and full merchant lifecycle with white-label tools.

                Ready to launch your complete
                acquiring operation?

                Talk to our team and discover how Full Stack AaaS can take you from zero to operation in less than 90 days.