Wio Bank partners with Pine Labs to build cloud-native acquiring platform
Pine Labs works with banks and enterprises globally to modernise legacy financial infrastructure through modular, cloud-native platforms
27 January, 2026
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Pine Labs has announced a strategic partnership with Wio Bank to build a modern, cloud-native acquiring infrastructure designed specifically for digital-first banking. The collaboration will enable Wio Bank to deploy a next-generation acquiring stack without legacy technology dependencies, supporting faster merchant onboarding, real-time settlement capabilities, and scalable multi-mode payment acceptance.
As part of the partnership, Wio Bank will implement Credit+, Pine Labs’ modular, API-first acquiring platform, as the foundation for its core acquiring operations. Built for speed, scale, and configurability, Credit+ enables intelligent rule-based workflows, data-driven decisioning, and optimisation of payment acceptance rates, while managing the full merchant acquisition and lifecycle journey through a developer-friendly architecture.
Designed on a cloud-native, microservices-based framework, Credit+ allows Wio Bank to efficiently scale acquiring volumes with high availability, enterprise-grade security, and regulatory compliance. The platform supports rapid feature rollouts, real-time insights, and operational resilience—capabilities that are increasingly critical for digital-first banks operating in high-growth, cashless markets.
Commenting on the announcement, B Amrish Rau, CEO, Pine Labs, said, “Our partnership with Wio Bank brings a modern acquiring processing platform to one of the most innovative digital banks in the region. Credit+ is built to deliver high transaction throughput, rapid feature deployment, and seamless scalability through its API-driven, microservices architecture. This collaboration reflects how a modular acquiring stack can help banks move faster, iterate smarter, and scale reliably in a digital-first payments ecosystem.”
Jayesh Patel, CEO of Wio Bank, said, “At Wio, our focus is on building a banking platform that supports how businesses operate and grow. This partnership with Pine Labs strengthens our ability to deliver simpler, more efficient payment capabilities, from faster onboarding and settlements to easier acceptance across channels. It allows us to continue evolving our infrastructure while building the next generation of payments and value-added services around customer needs, so they can stay focused on running and growing their business.”
Pine Labs works with banks and enterprises globally to modernise legacy financial infrastructure through modular, cloud-native platforms. As the UAE accelerates its transition toward a cashless economy, partnerships between digital-native banks and global fintech providers with strong regional execution capabilities are increasingly shaping the future of payments, merchant services, and embedded finance.
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