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About 1010 Code Software

Banking software as ready-made solutions

Since 2022 we have been developing full-scale software for banks and financial companies — from multivendor ATM software to payment and transaction systems — and supporting it throughout its life. Our team brings more than 20 years of experience in the market. Headquartered in Almaty.

Specialists at their workstations in front of a large screen with analytics dashboards
year 1010 Code Software was founded
2022
of our team’s experience in banking software
20+ yrs
IT engineers
130+

01Mission

What drives us

Three principles the company is built on.

  1. Ready-made solutions

    We build ready-made fintech solutions. We want our software to be used — and useful — for as many clients as possible.

  2. Competence

    We seek technically complex, large-scale projects that demand serious engineering. That is what motivates our people.

  3. Team

    The company’s main value is its team and the expertise it has built.

02Team

The people you will work with

A multilingual team working with banks and partners across different countries. We meet in person or online, whichever suits you best. We stay flexible, speak openly about timelines and risks, and draw on more than 20 years of experience in banking software.

  • Denis Mityushin

    Denis Mityushin

    Chief Commercial Officer

  • Aleksandra Andriunina

    Aleksandra Andriunina

    Key Account Manager

03Expertise

Where our engineering goes deep

  • Self-service software

    Multivendor software for ATMs, ADMs and kiosks, with server-side monitoring and control.

  • Payment and transaction systems

    Centralized payment acceptance, routing, fees, recurring payments and instant payments integration.

  • Card technologies

    Card and processing gateways, EMV, HSM integration and PIN pad key management.

  • Cyber security

    Secure software lifecycle, encrypted device traffic, anti-fraud and audit.

  • Open APIs and integration

    APIs and SDKs, ISO 8583, ISO 20022 and open banking protocols.

  • Omnichannel banking

    One set of services across teller desks, self-service devices, internet and mobile banking.

Who we work with

  • Banks
  • Insurance and investment companies
  • Retail chains
  • Mobile operators
  • Energy companies

04Standards and certification

Certified for critical banking infrastructure

  • Security standard for payment software

    Includes two standards

    PCI SSS
    Secure Software Standard — security of the software itself
    PCI SLC
    Secure SLC Standard — secure development lifecycle
  • Certified EMV kernel
See implementations

05Where banking is going

How we help banks keep up with change

  • 01

    Branch transformation

    Banks close branches and move services to self-service devices.

    • ATM Code turns an ATM or kiosk into a digital branch: cash withdrawal and deposit, payments, transfers, a personal account and loan applications
    • Works on devices from different vendors with one software build
  • 02

    Open APIs

    Regulators promote open APIs, and banks need to open services to partners quickly.

    • Channels connect to Payments Code through standard interfaces or its own API
    • Gateway SDK, UI SDK and APIs let the bank and its partners build their own services on the platform
  • 03

    Instant payments

    New local and cross-border instant payment systems are launching in many countries.

    • In Payments Code a new payment scheme is connected once — as a gateway on the Gateway SDK
    • It then works in every channel at once: internet and mobile banking, teller desks, ATMs and kiosks
  • 04

    Stronger security requirements

    Requirements for protecting payment and card data keep growing.

    • PCI SSF and EMVCo certification
    • Signed and encrypted traffic, keys in an HSM, built-in anti-fraud in Payments Code

06Value

What our solutions change for a bank

  • Integrate once

    Our ATM Code connects to processing over host-to-host using the international ISO 8583 standard — with no NDC/DDC changes and no processing-center licenses per connected ATM.

  • Launch services without the processing center

    The bank configures scenarios, services and providers itself on the 1010Code server — many of them directly in the interface.

  • Run one network on any hardware

    Our software runs NCR, DN, Hyosung, OKI, Glory, GRG, Atec and other devices under one version and one monitoring console.

  • Earn more from every payment

    Payments Code calculates fees by channel, service, instrument, amount and time online and shows them to the customer before paying.

  • A flexible microservice architecture

    We build our solutions on microservices: a wide range of functions out of the box, and each service runs and updates independently — so we can easily adapt the solution to the bank’s tasks.

07Technology

Our platform: the layer between channels and the core that does the hard work

ATM Code and Payments Code are built on the 1010Code Omnichannel Banking Platform: one set of services for every channel, integrated with the bank’s processing, core banking and security systems.

Channels

  • ATMs and ADMs
  • Self-service kiosks
  • Teller desks
  • Internet and mobile banking
  • Agent networks
  • Partner APIs

1010Code Omnichannel Banking Platform

One set of services for every channel

ATM Code
  • Operation Server
  • Monitoring Server
  • Advertising
  • Personal area
Payments Code
  • Payment hub
  • Fee engine
  • Recurring payments
  • Anti-fraud

Shared services

  • Card Gateway
  • Crypto Service
  • Instant payments adapter
  • Payment & Merchant API

Bank systems

  • Processing centerHost-to-host
  • Core bankingBCIT
  • HSMThales payShield 9000 / 10000
  • Service providersGateways and aggregators
  • Instant payment systemsISO 20022
  • Anti-fraud and Active Directory

  • Proven under load

    In a 48-hour load test a single Payments Code server sustained 6.6 million operations. The platform scales horizontally.

  • Secure by design

    We build security into the architecture: PCI SSF certification, an EMVCo-certified EMV kernel, signed and encrypted device traffic initiated only by the device.

  • Open to extension

    Gateway SDK, UI SDK and APIs let banks and partners build their own services on top of our platform.

08How we deliver

A project model banks can plan around

  1. Scoping

    We define the client’s needs and expected benefits, the project scope and plan, and prepare a commercial offer.

  2. Contract

    Licences and the work order are approved; the contract sets deadlines for every stage.

  3. Delivery

    Development, testing and launch, with acceptance at every stage and final testing before production.

  4. Support

    Incident resolution, component updates and consulting under a support agreement.

  5. Development

    New functionality, certification assistance and load-profile testing.

09Support

We stay after go-live

After a project, we usually sign a technical support agreement. Bug fixing and answers to questions follow the SLA in that contract.

  • Bug fixing under SLA
  • New software releases
  • Consulting on using the software
  • 24/7 hotline, by contract
  • Direct system administration for some clients

10Geography

Headquartered in Almaty. Working across borders.

Our solutions already run at banks in Kazakhstan, Uzbekistan, Kyrgyzstan and Tajikistan, as well as in Europe — and we are open to projects in any other country. Our engineers work from several countries.

Where our solutions already run

Office and legal information

Headquarters · Almaty
280V Zharokov Street, Almaty 050060, Republic of Kazakhstan
Legal entity
1010 Code Software is a registered trademark of SmartDiCo LLP.

Let’s get to know each other

For banks and financial institutions

Discuss a project

Tell us about your channels and plans.

Discuss a solution

For integrators and vendors

Grow with us in your market

Promote and deliver ATM Code and Payments Code locally.

Become a partner