The AI engine room for a payments platform
EBS · ARCA · White-label payments platform · 20-year operator
ARCA is the next-generation white-label payments platform from EBS, a 20-year payments and technology operator. Cross Systems delivers the embedded AI engines and the 24×7 operational backbone that turn EBS's clients into payment providers — without the regulatory, fraud, or engineering risk.
The challenge
EBS's ambition with ARCA is to let banks, marketplaces, SaaS companies, and franchises launch their own branded payments businesses at global scale. That requires real-time fraud intelligence, smart transaction routing, automated merchant onboarding, subscription and dunning logic, multilingual support, and a platform that never goes down — across many tenants at once.
What we built
We embedded six AI engines into the platform: real-time fraud and risk decisioning, automated KYB/KYC onboarding, smart transaction routing, subscription and dunning automation, AI-assisted support and dispute handling, and embedded analytics. MAGIC Research builds the models; Cross Systems productionizes and operates them.
How we run it
Beyond building, Cross Systems runs the platform 24×7 — SRE, compliance automation, and multi-region reliability — with real-time decisioning under 50 milliseconds and merchant onboarding compressed from days to minutes, on a PCI-DSS-ready footing.
What we delivered
- Real-time fraud & risk decisioning (<50ms)
- Automated KYB/KYC merchant onboarding (days → minutes)
- Smart transaction routing
- Subscription & dunning automation
- AI-assisted support & dispute handling
- Embedded analytics
- 24×7 operations, SRE & compliance automation (PCI-DSS ready)