For Banks & PSPs
Controlled infrastructure for modern financial institutions.
4thLab provides a controlled infrastructure layer that enables banks and payment service providers to expose Canadian payment rails — including Interac, EFT, Bill Payments, Visa Direct, and Mastercard Send — to downstream merchants and platforms.
Key characteristics
- • Rail abstraction and orchestration
- • Policy-driven routing across rails
- • Consistent reporting and reconciliation
- • Designed to support PSP and bank operating models
- • Alignment with institutional risk and governance expectations
Use cases
- • PSP program enablement
- • Embedded finance platforms
- • Controlled merchant access to rails
- • Modernization of legacy payment workflows