About HUBUC
HUBUC is a billing and payment platform from HUBUC that provides a range of financial solutions. It includes features such as invoicing, payment processing, and financial reporting so businesses can manage their transactions efficiently. The platform supports various currencies and integrates with multiple payment gateways, allowing users to conduct cross-border transactions with ease. HUBUC also offers customizable invoicing options to cater to different business needs. Key capabilities: invoicing payment processing financial reporting multi-currency support payment gateway integration Best for: businesses that need a comprehensive solution for managing billing and payments effectively.
HUBUC by HUBUC is a cloud-native global card-issuing and payment-processing platform designed to help businesses embed financial services quickly and securely. Its primary purpose is to simplify complex financial infrastructure by providing a single API through which companies can issue debit, credit, or prepaid cards, manage transactions, and access embedded finance capabilities such as accounts, payments, and FX. HUBUC eliminates the need for companies to navigate regulatory, compliance, or multi-vendor integrations on their own. Although HUBUC is largely API-driven rather than GUI-based, its developer portal is intuitive and streamlined. It emphasizes clarity and usability for engineering teams, offering well-structured documentation, sandbox environments, and clear OpenAPI specifications. The layout is minimalistic but highly functional, helping developers test endpoints, review error messages, and access real-time test data with ease. The clean navigation and logical grouping of features reduce onboarding time significantly. The platform supports a wide range of card-issuing capabilities, including physical and virtual cards, debit, credit, and prepaid products.
Pros & Cons
- +99.99% availability and 200ms processing make it one of the fastest global processors.
- +Zero-balance integration and RTSA eliminate pre-funding and unlock client liquidity.
- +Dynamic spend controls allow granular security settings per MCC, MID, and card.
- +Open APIs and instant issuing enable quick launch of customized, branded products.
- +Fully compliant with 3D Secure, PCI DSS, and SCA for robust global security.
- −The platform is credit, debit, and prepaid focused, not general asset management.
- −Only Mastercard network integration is explicitly mentioned for zero-balance capability.
- −Compliance certifications like PCI DSS are based on an older version (V3.2.1).
- −No transparent pricing for card processing fees or API usage is provided publicly.
- −Relies entirely on Open APIs, requiring clients to have their own developer resources.
Features
Key features
- Lightning-Fast Cloud-Native Architecture
- It is a cloud-based processor with a 200ms processing speed and capacity for over 75k transactions/second with 99.99% availability.
- Zero-Balance Network Integration
- It connects the client's account balance directly to Mastercard's network, eliminating the need for a pre-funded pool of money.
- Dynamic Spend Controls
- Offers granular control to set spending limits and rules per MCC (Merchant Category Code), MID, Customer, and Card in real-time.
- Real-time Streaming Authorization (RTSA)
- Allows clients to unblock liquidity and connect to the processor for real-time authorization decisions on transactions.
- Global Single and Dual Message Processing
- Supports issuing and processing of Debit, Credit, and Prepaid cards using both single and dual message authorization formats.
- Instant Issuing and Open APIs
- Supports instant issuing of physical, virtual cards, and digital bank products using Open APIs for rapid innovation and customization.
Additional features
- Lightning-Fast Processing
- Achieves 200ms processing speed and 75k+ transactions per second.
- High Availability
- Boasts an industry-leading availability of 99.99%.
- Debit, Credit, and Prepaid Issuing
- Supports the issuance of all major card types.
- Global Issuing Processing
- Handles both single and dual message authorizations for card processing.
- Zero-Balance Network Integration
- Connects the client’s balance directly to Mastercard's network for real-time decision-making.
- Dynamic Spend Controls
- Provides complete control over spending rules per category (MCC), merchant (MID), customer, or card.
- Secure and Compliant Processing
- Supports 3D Secure, PCI DSS V3.2.1, SCA (Strong Customer Authentication), and uses the ISO-8583 format.
- Robust Cloud Architecture
- Uses a high-end ISO switch infrastructure hosted in the cloud for reliable online authorization/reversal.
- Clearing & Settlement Reporting
- Delivers transaction, authorization, and MC settlement/clearing reports via API in JSON or raw formats.
- Open APIs
- Enables fast product creation and customization, acting as a benchmark for customer experience.
- Physical and Virtual Cards
- Supports issuing both tangible plastic cards and digital-only virtual cards.
- Apple Pay Integration
- Provides instant issuing support for mobile wallet integration.
- Dynamic CVV
- Offers cutting-edge innovation and security using changing Card Verification Value codes.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About HUBUC
HUBUC is a billing and payment platform from HUBUC that provides a range of financial solutions. It includes features such as invoicing, payment processing, and financial reporting so businesses can manage their transactions efficiently. The platform supports various currencies and integrates with multiple payment gateways, allowing users to conduct cross-border transactions with ease. HUBUC also offers customizable invoicing options to cater to different business needs. Key capabilities: invoicing payment processing financial reporting multi-currency support payment gateway integration Best for: businesses that need a comprehensive solution for managing billing and payments effectively.
HUBUC Details
HUBUC's In-App Market Place
Does HUBUC have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
EUR (€)
Pros & Cons
- 99.99% availability and 200ms processing make it one of the fastest global processors.
- Zero-balance integration and RTSA eliminate pre-funding and unlock client liquidity.
- Dynamic spend controls allow granular security settings per MCC, MID, and card.
- Open APIs and instant issuing enable quick launch of customized, branded products.
- Fully compliant with 3D Secure, PCI DSS, and SCA for robust global security.
- The platform is credit, debit, and prepaid focused, not general asset management.
- Only Mastercard network integration is explicitly mentioned for zero-balance capability.
- Compliance certifications like PCI DSS are based on an older version (V3.2.1).
- No transparent pricing for card processing fees or API usage is provided publicly.
- Relies entirely on Open APIs, requiring clients to have their own developer resources.
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