The platform

One platform. Every payment surface.

Six integrated systems — admin portal, member wallet, merchant portal, merchant API, gateway engine and multi-tenant white-label — all running on one secure, multi-tenant core. Launch and operate a complete payments business from a single deployment.

Architecture

Six systems, one core

Every surface your operation touches — for admins, members, merchants and developers — is part of CT Pay and shares the same secure, multi-tenant foundation. No bolt-ons, no integrations to maintain.

For operators

Back-Office Admin Portal

The command center to run the whole business — operators, members and merchants — with role-based access and granular operational controls.

Operator, merchant & member managementManage every account type from one place.
Role-based access & permissionsAdmin users, roles and module-level RBAC.
Transaction, limit & gateway controlsConfigure limits, gateways and approvals centrally.
Members86,420
Merchants340
Pending approvals7
Admins
24
Roles
9
Operators
12
For members

Member Wallet App

A polished, fully white-label mobile wallet where your customers hold balances and move money across currencies — top up, transfer and withdraw.

Multi-currency balancesHold and move funds across currencies.
Top-up, transfer & withdrawFull lifecycle for every transaction type.
Fully white-label themingBranded per operator, top to bottom.
Available balance
12,480.00
MYR · Member wallet
Top up
Transfer
Withdraw
Top-up
Aurora Pay · today
+1,500.00
Transfer
to *** 8821
−320.00
Withdrawal
Meridian Bank · pending
−800.00
For merchants

Merchant Portal

A self-service dashboard where merchants track orders and balances, run the settlement workflow and manage their own credentials.

Orders & balancesTrack payin / payout orders and live balances.
Settlement workflowRequest → approve → mark paid, with a clear ledger.
Credentials & callbacksAPI keys, IP allowlist and callback templates.
Settlement #SET-1042Requested
Settlement #SET-1041Approved
Settlement #SET-1039Paid
Available
28,940.00
Pending
4,210.00
For developers

Merchant API

A signed REST API for collections and disbursements, built for clean, secure server-to-server integration with reliable callbacks.

Payin & payout endpointsCollect and disburse with a single API.
Signature + IP authEvery call is signature-verified and IP-restricted.
Templated callbacksReliable, configurable status notifications.
Endpoints
POST /v1/payin200
POST /v1/payout200
GET /v1/orders/:id200
POST /v1/callbacksigned
Auth
HMAC + IP
Format
JSON / REST
Connectivity

Payment Gateway Engine

Pluggable gateway integration that resolves the right credentials and route for every transaction, per operator, and handles inbound bank callbacks.

Per-operator configurationEach brand brings its own gateway credentials.
Bank & currency routingRoute each transaction by bank and currency rules.
Bank-callback handlingInbound bank notifications reconciled automatically.
MYR · Meridian BankAurora Pay
MYR · Summit BankAurora Pay
SGD · DBSNimbus
Volume by route
Foundation

Multi-Tenant White-Label

Run unlimited brands on one deployment, each fully isolated and themeable, all governed by a super-admin tier with cross-brand oversight.

Strict per-operator isolationOperator-scoped data across every service.
Super-admin oversightCross-brand visibility and control from the top.
Unlimited brands & themingBrand-level theming and config per operator.
Aurora Pay · MYR, SGDLive
Nimbus Wallet · SGDLive
CT Pay Core · defaultTemplate

Everything is included.
One platform, no add-ons.

Every CT Pay deployment ships with the full stack — operations, money movement, merchant tools and security, out of the box.

Operations

  • Back-office admin portal
  • Operator management
  • Member management
  • Reporting suite
  • Roles & permissions

Money movement

  • Member wallet app
  • Top-up · transfer · withdraw
  • Multi-currency balances
  • Per-type limit controls
  • Member adjustments

Merchant & gateway

  • Merchant portal & API
  • Payin / payout orders
  • Settlement workflow
  • Gateway routing engine
  • Bank-callback handling

Security & tenancy

  • Multi-tenant isolation
  • Signed APIs
  • IP allowlisting
  • Encrypted secrets
  • White-label theming

One platform. Every payment surface.

Admin portal, member wallet, merchant portal, merchant API, gateway engine and multi-tenant white-label — secure and ready to deploy under your name.