In 2025, Ukrainian Processing Center (UPC) continued developing innovative fintech solutions that not only align the Ukrainian financial sector with current global trends but often set latest trends in the European payments market.

UPC’s core business remains delivering processing services to banks. In 2025, another domestic bank joined the company’s client portfolio, proving the competitiveness of UPC’s services. Projects to connect the new client to card issuing and acquiring systems have begun.

During the reporting year, UPC completed migrating most of its clients to the Authentic processing platform from NCR. This step significantly simplifies the implementation of innovations to improve client banks’ services. Additionally, this platform is developed by a globally recognized leader in payment technologies and has no ties to developers from the aggressor country.

In 2025, UPC offered its clients a new cloud service, “UPC API.” Currently, banks use APIs to connect cards to the 3-D Secure authentication system (Mastercard Identity Check, Visa Secure, and Prostir e-Secure) and APIs for registering merchants and their terminals. In 2026, UPC plans to provide access to most of its services through this modern cloud architecture.

Another UPC innovation is the Issuing as a Service offering, enabling fintech companies and banks to launch card products fast and easily on a modern cloud platform that combines all necessary services into a single digital product management tool. Registration and management of clients, products, digital cards and their tokenization, 3DS, as well as PIN management, are performed online via REST API. UPC specialists thoroughly studied experiences from other markets when creating this platform.

Many UPC innovations relate to Open Banking. Last year, the OneLinkUA Open Banking platform was launched, aggregating all Ukrainian banks’ Open Banking APIs into a single Ukrainian HUB. Among other benefits, connecting to it allows TPP companies to access all Ukrainian Open Banking services through one entry point at UPC. This crucial step is part of a large-scale project aimed at creating a unified, convenient, and open platform for all professional market participants.

Regarding e-commerce, in 2025 UPC introduced new services such as DCC (Dynamic Currency Conversion) and Fast Payout, offering businesses new opportunities with the best user experience in payment processing and refunds. Among other innovations is the BINInfo service, which provides card product information via API - allowing merchants to obtain additional client data such as issuer bank, country of issue, card type, etc. Additionally, UPC’s new Account Name Inquiry service enables verification of the payer’s name entered on the merchant’s side against the name stored by the issuing bank, significantly reducing fraud risk.

Of course, the company could not ignore the important innovation of AI-based solutions. UPC implemented a product that helps e-commerce market participants comply with legislative and payment system anti-fraud requirements using ChatGPT functions.

During the reporting year, UPC successfully passed ISO/IEC 27001:2022 certification, confirming the company’s proper information security practices, systematic risk management approach, compliance with other regulatory requirements, and continuous improvement in these areas.

In these challenging times faced by Ukraine, UPC remains a responsible corporate citizen. The company is among the top ten largest taxpayers - residents of Diia.City, regularly supports its employees, and provides aid to the defense forces.

“Thanks to all UPC clients, partners, and employees for another year full of challenges and rapid changes that we have overcome together. It has once again proven that our company can meet all challenges and continue developing the domestic and European payment industries. Thanks to our solutions, millions of payment service users can satisfy their financial needs faster, more conveniently, and more affordably. Ahead of us are ambitious innovations aimed at taking Ukrainian fintech to a new level,” commented UPC CEO Anton Romanchuk.