Fintech & payments
Payment gateways, acquiring and APM integrations, routing and orchestration, wallets and merchant back offices.
Fintech engineering partner · Barcelona
Software for companies that move money.
ADAO Tech designs, builds and integrates fintech, payments, AI and e-commerce products. Our team has launched and run regulated payment businesses, so we build for the regulator, the acquirer and the customer at once.
- Payment gateways
- Acquiring
- APM integrations
- Wallets
- Agentic payments
- Checkouts
01 · What we build
Four practices.
One team.
Hire us for one, or let us carry the whole stack: from the first API call to the back office your operations team works in every day.
Agentic payments
Rails for AI agents that quote, pay and reconcile, with spend limits, audit trails and human sign-off where it matters.
AI & automation
Risk scoring, document checks, support and operations agents, built on your data and inside your controls.
E-commerce
Checkouts, marketplaces and storefront platforms, built for conversion and clean settlement.
02 · Why ADAO Tech
We’ve been on your side of the table.
Regulation is in the spec.
PSD2, scheme rules, AML and licensing shape the architecture from day one. You don't find out at go-live.
We've worked the rails.
Acquirers, EMIs, card schemes and APMs. We've integrated them from the operator side and know where they break.
One team, end to end.
Product, design, engineering and infrastructure under one roof. No hand-offs between agencies.
In focus · Agentic payments
Let agents pay. Keep control.
Rails for AI agents that quote, pay and reconcile, with spend limits, audit trails and human sign-off where it matters.
03 · Track record
We've built and run regulated payment businesses.
Payment gateway
Gateway and technical provider
Card acquiring gateway operating under an EMD licence: merchant onboarding, routing, settlement and chargeback handling.
Under NDAE-money institution
Licensed EMI
Infrastructure connections and hands-on operating experience inside a licensed electronic money institution.
Under NDAMobile wallet
Consumer wallet app
A mobile wallet taken from product spec through build to live operations.
Under NDANames and references available on request, under NDA.
04 · How we work
From brief to live, without the black box.
Discover
We map your requirements, regulatory constraints and integrations, then agree scope, team and plan.
Build
Short increments with working demos. You see progress as it happens, not at the end.
Launch and run
Certification, go-live and hand-over. Or we stay on and run it with you.
05 · Contact
Tell us what you're building.
Send a short brief. We'll reply within 1 business day with next steps, or the right questions.
- hello@adaotech.ai
- Office
- Barcelona, Spain
Sent
Thanks. Your brief is with us.
We'll reply to the email you gave within 1 business day.