Payment Gateway & Embedded Finance Infrastructure
Moving money requires infrastructure that is fast, exact and always available. We design and operate payment gateways, ledgers and partner integrations for fintechs and the banks that sponsor them.
Scope
What is included
The plumbing behind cards, ACH, real-time payments and banking-as-a-service programs.
Gateway architecture
Routing, retries and failover across processors, built for high availability.
Card, ACH, wire and instant rails
Connectivity to card networks through your processor, plus ACH, wire, RTP and FedNow through your bank partners.
Tokenization and vaulting
Card data kept out of your systems to reduce PCI DSS scope.
Ledger and reconciliation
Double-entry ledgers and automated matching against processor and bank files.
Banking-as-a-service integration
Accounts, cards and money movement connected through sponsor bank and platform APIs.
Webhooks and observability
Event delivery, dashboards and alerting so every payment can be traced end to end.
Method
How it works
Three stages, each with a written output, so you always know what has been done and what comes next.
- 01
Design
We map money flows, partners, compliance duties and failure scenarios.
- 02
Build and certify
Integrations are built and taken through processor and network certification.
- 03
Operate
We monitor authorization rates, settlement and reconciliation every day.
Standards and technology
Are you a payment processor or a bank?
No. We build and run the infrastructure that connects you to licensed processors, card networks and sponsor banks. Funds are always held and moved by those regulated partners.
Can you reduce our PCI scope?
Usually, yes. Tokenization, hosted payment fields and network segmentation keep card data out of most of your systems, which narrows what has to be assessed.
Do you support multiple processors?
Yes. Multi-processor routing improves resilience and gives you leverage on cost. We design for it from the start, even if you launch with one.
Related
Often taken together
09 / 14
Penetration Testing
Find the weaknesses first, then keep finding them as your systems change.
10 / 14
Identity & Access Management
The right people, the right access, verified every time.
11 / 14
vCISO & Advisory
Senior security leadership for institutions that need the role but not the full-time hire.