KPLEX Overlays
Enterprise-grade components for standalone use
Karplexus delivers precision overlays—audited, high-throughput modules (real-time ledgers, limits, auth, fee & revenue engines, certified payment rails, merchant tech) that bolt onto any existing core payment or banking environment to solve the high-velocity problems existing cores leave behind. Perfect companions for Cloud deployed technology stacks.
Real-Time Account Ledger
& Posting Buffer
Double-entry, real-time immutable accounting ledger with atomic accounting. Sub-ledger & multi-currency support. Posting Buffer with durable queues and programmable posting rules, high-throughput & consistent with complete auditability.
ISO 8583 / ISO 20022 Message Processor
High-performance protocol gateway that validates, transforms and reliably routes financial messages between banks, switches, PSPs and clearing houses. The engine supports bi-directional translation between ISO8583 and ISO20022, enforces schema and business-rule validation, handles acknowledgements /reversals, and guarantees ordered, idempotent delivery.
Secure Vault: Tokenisation & Encryption
Hardened secrets and tokenization vault with enterprise-grade encryption, tokenization and key management. Secures card PANs, bank account details, crypto keys and application secrets with end-to-end encryption, HSM/KMS-backed keys, strict access controls and full token lifecycle management — enabling PCI-friendly operations, safe sharing, and auditable access.
Limits / Risk Rules Engine
A real-time, programmable controls engine that enforces granular limits and risk policies across wallets / accounts, users and channels. It combines velocity and spend limits, conditional rules (time, geography, device, channel), risk scoring and automated actions.
Merchant Management & Soundbox
Merchant onboarding for PSPs and acquirers. Manage merchant profiles, KYC/onboarding workflows, store/catalog configuration, fee & commission rules, payouts/settlement schedules and role-based admin access. Secure edge Soundbox device management with provisioning, KMS-backed keys, offline/queued QR-UPI-EMV capture, receipts and remote diagnostics.
Settlement & Reconciliation Processor
An automated settlement engine and reconciliation toolkit that closes the cash lifecycle with precision and auditability. Built on the KPLEX Ledger, it handles configurable settlement runs, netting and GL posting while automating statement matching, exception management and operational reporting
QR & Mandate Services
Unified QR & mandate solution for one-time and recurring collections. Generates secure static or dynamic QR codes for invoicing, merchant checkout and payment links, and manages end-to-end mandate lifecycles with native support for UPI SI and common ACH/e-mandate rails.
Workflow & Maker/Checker Engine
A flexible, auditable workflow engine that automates business processes with configurable multi-step approvals and enforced maker-checker controls. Design templated or ad-hoc flows (onboarding, payouts, disputes, ledger posts), apply conditional routing, SLAs and escalations, and role-based sign-offs with audit trails and operator tools for review and override.