The Problem
Payment failures cost e-commerce businesses 1-3% of GMV annually. Compliance gaps expose companies to PCI fines, and single-gateway dependencies create catastrophic single points of failure during high-traffic events.
Our Solution
We build stateless, idempotent payment orchestration layers that route transactions intelligently across multiple PSPs, handle retries with exponential backoff, and maintain a reconciliation ledger that is always consistent — even across partial failures.
Key Features & Capabilities
Production-grade capabilities honed across 50+ enterprise engagements over 9 years as lead engineer.
Multi-Gateway Orchestration
Smart routing across Stripe, Braintree, PayPal, Razorpay, and custom PSPs based on card BIN, geography, and real-time success rates — with automatic failover in under 200ms.
PCI DSS Compliance Architecture
Tokenisation strategies, network segmentation, and audit controls that reduce PCI scope to SAQ-A — meaning your servers never touch raw card data.
Idempotent Payment API
Idempotency keys, distributed lock patterns, and exactly-once semantic guarantees that prevent double charges even under network partitions and retry storms.
Subscription & Revenue Management
Metered billing, seat-based pricing, trial management, upgrade/downgrade proration, dunning flows, and MRR/churn analytics with Stripe Billing or custom engines.
Digital Wallet & In-App Payments
Apple Pay, Google Pay, BNPL (Klarna/Affirm) integrations, and in-app currency / credits systems with real-time ledger reconciliation.
Fraud Detection & Risk Scoring
ML-based transaction risk scoring, velocity checks, device fingerprinting, and 3DS2 orchestration — reducing chargebacks without sacrificing conversion.
Tech Stack
Battle-tested technologies — not chosen for novelty, but for production-grade reliability.
Ready to build Payment Integration & FinTech?
Book a free 30-minute strategy session. We'll review your requirements and share an honest technical assessment — no sales pitch.