Switching & Middleware Platform

The Infrastructure That Connects Everything

MiOS bridges your systems — banks, fintechs, billers, and third parties — through a single, flexible middleware platform. Route transactions, transform data, and orchestrate workflows without vendor lock-in.

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Trusted by Leading Institutions

BPDNet

Bank Muamalat

Bali Muda

Kemenhub

Client 5

Client 6

See How MiOS Fits In

MiOS sits at the center of your technology stack — connecting your business systems to external parties through built-in integration capabilities.

Your Systems

Core BankingMobile AppATM / POSE-CommerceBill Payment

MiOS

Built-in Capabilities

ISO8583REST APIISO20022JSON/XMLTCP/IPSocket

External Parties

BanksBillersPayment NetworksSwitching Networks3rd Party Services

99.99% Uptime SLA

<50ms Avg. Latency

10+ Supported Protocols

10+ Years in Production

One Platform, Every Capability

MiOS provides everything you need to route, process, and manage transactions across your entire payment ecosystem.

Transaction Switching

Route and process transactions across multiple networks with intelligent switching and real-time failover. Handle ISO8583, ISO20022, JSON, XML, and custom formats natively.

Real-Time Monitoring

Live dashboards showing transaction flows, system health, and performance metrics. Get instant alerts when something needs attention.

Reporting & Settlement

Automated reconciliation, settlement processing, and regulatory reporting. Generate compliance-ready reports without manual effort.

Business Orchestration

Define custom routing rules and business logic that execute at transaction speed. Transform, validate, and enrich data as it flows through.

Protocol Gateway

Connect any system regardless of protocol. MiOS speaks ISO8583, REST, SOAP/WSDL, TCP/IP, HTTPS, SMTP, SNMP, and more.

Flexible Architecture

Deploy in Weeks, Not Months

Unlike legacy switching platforms that require extensive customization and lengthy implementation cycles, MiOS's microservices architecture lets you start with what you need and expand as you grow.

Modular deployment — pick only what you need
Go live with core switching in as little as 8 weeks
Add capabilities without disrupting existing services

Multi-Protocol Support

One Platform, Every Format

Whether your partners use ISO8583, ISO20022, JSON, XML, or proprietary formats — MiOS handles the translation. Connect legacy ATM networks and modern APIs through the same platform.

Native ISO8583 and ISO20022 message handling
Automatic format translation between systems
Custom message mapping for proprietary protocols

Monitoring Dashboard

Complete Visibility Into Every Transaction

Monitor every transaction in real-time. Track system health, identify bottlenecks, and generate compliance reports — all from a single dashboard designed for operations teams.

Real-time transaction monitoring
System health and uptime tracking
Exportable regulatory reports
Custom alert rules

Built for Scale

MiOS infrastructure handles the demands of Indonesia's most critical payment systems.

12+ Protocol formats supported natively

6+ Institutions running MiOS in production

10+ Years powering mission-critical systems

Proven Across Industries

From regional banks to government agencies — MiOS adapts to the unique requirements of each deployment.

"MiOS serves as the middleware layer connecting regional banks (BPDs) to billers through the national switching network — handling message translation and routing at scale."

BPDNet Integration Team Regional Banking Network

"With MiOS handling the middleware between our switching system and core banking APIs, we can serve mobile, ATM, and branch channels through a single integration point."

Bank Muamalat Technology Team Islamic Banking

"As a fintech focused on financial education, we needed a cost-effective way to connect to banks and billers. MiOS gave us enterprise-grade switching without the enterprise price tag."

Bali Muda Engineering Fintech

"MiOS monitors transportation infrastructure devices across multiple vendor systems through SNMP integration — consolidating data into a unified dashboard for real-time visibility."

Ministry of Transportation IT Government Agency

Choose Your Integration Path

Whether you need a turnkey solution or full customization, we meet you where you are.

Pre-Built Modules

Deploy ready-made switching and middleware modules with standard configurations. Go live in weeks.

Explore modules

API Integration

Connect your existing systems through our REST API gateway. Full documentation and sandbox environment included.

View API docs

Custom Development

Work with our engineering team to build tailored protocol adapters, routing rules, and business logic for your exact requirements.

Talk to our team

Frequently Asked Questions

Everything you need to know about MiOS and how it works.

MiOS is a switching and middleware platform that bridges two or more systems for data communication. It routes transactions, translates message formats, validates data, and orchestrates business logic — serving as the connective layer between banks, fintechs, billers, and third-party services.

MiOS natively supports ISO8583, ISO20022, JSON, XML, HTTPS, WSDL/SOAP, TCP/IP, SMTP, SNMP, and plain text formats. Custom protocol adapters can be developed for proprietary formats.

Core switching deployments typically go live within 8–12 weeks. The modular architecture means you can start with essential capabilities and expand over time without disrupting existing services.

Yes. MiOS is designed for interoperability. It can sit alongside existing switches, handling specific channels or protocols while you migrate at your own pace — no big-bang replacement required.

We provide dedicated implementation support, ongoing technical assistance, and platform management. Every client is assigned an integration lead who works with your team from scoping through go-live and beyond.