Coshine

Empower Payment Innovation

Payments infrastructure for Asia-Pacific and beyond.

Acquiring and issuing in one platform — PCI DSS Level 1, 99.995% uptime, in payments since 2003.

Markets
10+
Customers
150+
System uptime
99.995%
In payments
20+ yrs

Trusted by banks, PSPs and fintechs across 10+ markets

  • Visa
  • Mastercard
  • JCB
  • UnionPay
  • American Express
  • Discover
  • Diners Club

One platform. Two product lines.

01

Acquiring

End-to-end acquiring for merchants and PSPs: EMV 3DS 2.x, multi-acquirer routing, settlement, and a merchant portal.

  • EMV 3D Secure 2.x with risk-based authentication
  • Multi-acquirer gateway and smart routing
  • Merchant onboarding, settlement and chargebacks

02

Issuing

Issue physical, virtual and wallet products on a single rail — supporting Visa, Mastercard, JCB, UnionPay and Amex.

  • Physical, virtual and e-wallet form factors
  • Tokenization and 3DS-out for issuer-side authentication
  • BIN sponsorship and program management available

Built for developers.

Sandbox keys in five minutes. Clean REST, signed requests, real webhooks.

Issue a virtual card
POST /v1/cards
curl -X POST https://api.coshine.com/v1/cards \
  -H "Authorization: Bearer $COSHINE_TOKEN" \
  -H "X-Timestamp: 1716275000" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "virtual",
    "currency": "SGD",
    "cardholder_ref": "cust_4f9a"
  }'

Security is the product.

See our security posture
  • PCI DSS Level 1
  • PCI-3DS
  • PCI-PIN
  • ISO 27001
  • Tier-3 data centres
  • Quarterly audits

Ready to ship payments faster?