The problems we solve
- High transaction fees from off-the-shelf gateways — Generic gateways eat 2.9% + 30¢. At scale that's six figures a month you can recover.
- Single point of failure — Routing 100% of volume through one processor means one outage = one bad quarter.
- PCI scope and compliance overhead — Touching raw PAN data triggers audits, controls, and ongoing engineering tax.
- Multi-currency, multi-rail complexity — Cards, ACH, SEPA, UPI, wallets, crypto — each with its own auth, settlement, and dispute flow.
What's included
- PCI-DSS Level 1 architecture — Tokenization, hosted fields, HSM key management, and audit-ready logging from day one.
- Smart payment orchestration — Dynamic routing across Stripe, Adyen, Checkout.com, Worldpay, and local rails to lift auth rates 4–9%.
- Fraud & 3DS engine — ML risk scoring, device fingerprinting, velocity checks, and 3DS2 with friction-free SCA.
- Settlement & reconciliation — Event-sourced ledger, T+1 reconciliation, multi-currency FX, and finance-ready exports.
- Merchant & developer portals — Self-serve onboarding, KYB, hosted checkout, plugins, and a typed SDK in 6 languages.
- Disputes & chargeback automation — Auto-evidence assembly, Verifi/Ethoca alerts, and win-rate dashboards.
Outcomes you can measure
- 30–60% lower effective processing cost at scale
- 99.99% uptime SLA with multi-processor failover
- Faster merchant onboarding from days to minutes
- Audit-ready PCI-DSS Level 1 documentation
Technology stack
Go · Node.js · PostgreSQL · Kafka · Redis · HashiCorp Vault · Stripe Connect · Adyen · AWS
Typical timeline
8–16 weeks to a production-ready MVP. Fixed-scope discovery in week 1, working software every 2 weeks.
